Aflac Value Rider:

This enhancement uses the unique concept of paying a cash benefit to Aflac Short-Term Disability policyholders who have the Aflac Value Rider on their policy. Under the Rider's terms, an Aflac Short-Term Disability policyholder with the Aflac Value Rider on his or her policy would be paid up to $1,000, less any claims paid for every consecutive five-year term that a claim is not filed on the policy. Once this time frame has passed and the policyholder is paid, the five-year process repeats itself for up to five consecutive terms.