Aflac, a US-based provider of guaranteed-renewable insurance, has introduced its enhanced group short-term disability insurance product, Aflac Group Disability Advantage.

The enhanced product offers income replacement and partial disability benefits that can help offset loss of income and other costs resulting from illness or injury.

The product’s guaranteed-issue coverage includes increased disability benefits, optional benefits for pre-existing conditions, and optional limited benefits for mental illness and alcoholism/drug addiction.

Aflac said that the new product will provide total monthly benefit limit of $6,000, while replacing the maximum benefit up to 60 percent of salary.

Apart from waiver of premium benefit, the new product will also offer lowered minimum-income requirement, under which minimum income has been reduced to $9,000 per year for employees to qualify for coverage.

Aflac executive vice president and chief marketing and sales officer Michael Zuna said that the short-term disability plan helps protect covered workers who are facing the loss of their ability to earn an income.