To reach out to small business owners, Aflac is lowering the minimum worksite size requirement for its short-term disability policy from five full-time employees to three full-time employees.

"We understand that small business owners want the ability to provide quality insurance products in their employee benefit packages, and we're taking steps to help address their needs," said Karen Riedel, second vice president, director of Product Marketing.

"Finding an affordable way to help sustain their business is a top of mind priority for employers of all sizes. Voluntary products like our short-term disability policy are at no direct cost to the business, a much needed value-add for small business owners who want to enhance their benefit offerings," said John Laughbaum, vice president of Channel Marketing and Sales Development.