I got $1000 from Aflac for my sleeve surgery. Two days for hospital and $500 for the actual procedure under my hospitalization policy. It was a great postop bonus! I submitted the bill from the hospital for the first part and had to get a copy of the OR report from medical records to verify the surgical procedure. I'm not sure about the difference between the $750 you saw and the $500 I got. I had no idea how much they would pay for the procedure and had estimated to receive $250, so the $500 was a nice surprise. I don't know about the short term disability because I don't have that AFLAC policy. Good luck!