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2018 BENEF ITS GUIDE HEALTH AND WELLNESS PLANS ADDITIONAL BENEF ITS REFERENCE About This Guide When to Enroll 2018 Benefits Highlights How to Make Your 2018 Benefits Elections

How to Apply for

Aflac Coverage

Health Plan and Prescription Drug Benefits Dental Plan Options Vision Plan Employee Assistance Program Flexible Spending Group Term Life Accidental Death and Dismemberment Short- and Long-Term Disability 401(k) Plan Managing Your Retirement Salary Redirection Appendix and Legal Notices Summary of Benefits Glossary Quick Reference

WELCOME!

Our user-friendly, interactive Table of Contents follows you

from page to page. Simply click on a topic you are interested

in reading about and “jump” to that page automatically.

This guide will help you understand the full range of health

and welfare benefits that will be available as of Jan. 1, 2018.

After reading through the enclosed information, be sure to use

this guide as a benefits resource you can refer to throughout

the year.

NEED CONTACT INFORMATION?

The last page of the guide is a quick reference directory

of telephone numbers and websites for all our providers.

We encourage you to access these sites to become a

more educated decision-maker and consumer of Aflac’s

benefits programs.

Should you have questions that need more detailed explanation

than you can find in this guide, visit the Benefits community

at

my.Aflac.com

. Select the

Employee Services

tab and

click

Benefits

or contact the Human Resources Benefits team

at 706-317-0770.

ONL INE INFORMATION

Visit Employee Self Service from any company computer,

or from home if you have VPN access, to review benefits

materials online and to enroll. Benefits information is also

posted on

my.Aflac.com > Employee Services > Benefits .

2018

Benefits Guide

Aflac is committed to providing its greatest asset — its talented

employees — with comprehensive and affordable benefits.

Our 2018 Health and Welfare Benefits offerings deliver maximum

options and flexibility while reflecting our culture.

Aflac.com/ BenefitsGuide

WEB ACCESS

The 2018 Benefits Guide can be

viewed from a personal device at

Aflac.com/BenefitsGuide

,

as

well as on the Benefits community

page on

my.Aflac.com

.

The symbol

indicates a hyperlink.