How far back does First Advantage go?
Aflac short-term disability and supplemental insurance policies generally evaluate and process claims based on specific timely filing provisions outlined in individual policy contracts, which usually require claim documentation to be submitted within a specific window following the date of a covered accident, illness, or medical treatment—frequently within 90 days to one year. Once a valid claim is approved, benefit payouts compensate policyholders for the duration of the approved disability period up to the maximum benefit period specified in their plan, which typically spans from several months up to a full year. Retroactive payments or back-pay adjustments for delayed filings are strictly governed by the contractual proof-of-loss deadlines and waiting periods established in the original policy agreement.
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