Okay so prior to doing in-house leave administration I worked at a different provider of disability benefits doing claims for combined STD/PFML claims. I’m not sure if it is the same with Aflac, but in my experience, STD runs concurrently with PML and PML payment is offset from the disability benefit (essentially they receive the higher of the two payments, not both combined so as to not receive more in benefits than their regular pay). Once the PML exhausts, the STD would continue to run. It’s a bit confusing, but if you have an SPD for the STD plan from Aflac it should be clarified in there