  We show that the irradiated accretion disk model can account for all the
optical and infrared observations of the anomalous X-ray pulsars in the
persistent state. Model fits do not constrain the outer disk radii, while
placing an upper limit to the inner disk radii, and thus to the strength of the
dipole component of the stellar magnetic field. While magnetar fields (B_* >
10^{14} G) in higher multipoles are compatible with the irradiated disk model,
magnetic dipole components of magnetar strength are not consistent with optical
data.
