Aflac’s GSTD features consist of: Guaranteed-issue: The monthly benefit has been risen to a maximum of $3,000 for individuals who qualify, at the mercy of certain requirements. Total underwriting is not required.Related StoriesUCLA launches second Grand Challenge to reduce health insurance and economic impacts of depressionDeaths from avoidable risk factors: an interview with Dr Ali Mokdad, IHMEMarriage position associated with survival outcomes pursuing cardiac surgeryCredit for pre-existing conditions: If the GSTD policy replaces additional group short-term disability protection, employees obtain credit toward Aflac’s pre-existing conditions limitation clause.Thalidomide treatments even come with guidelines for managing unwanted effects . NEWSFLASH: There are no specific things like side effects There are no such things as side effects , all of them are EFFECTS. Some ramifications of any drug are desirable and some effects are not really. The key for Big Pharma is normally to downplay the unwanted effects and make vast amounts of dollars on marketing the desirable results. Billions more, that is, compared to the resulting lawsuit payouts that plague every drug. As with thalidomide, the side effects of most drugs are a veritable laundry list of horrors from a sci-fi terror flick as the side effects of a wholesome diet, exercise and targeted natural supplements are vitality and wellness. Which one do you desire? Health and vitality or controlling side effects .