2018 Aflac Incorporated Benefits Guide

SHORT- AND LONG-TERM DISABILITY COVERAGE

EL IGIBI L ITY:

Enrollment is automatic for all full-time employees on the first day of employment. Part-time employees are not eligible.

YOU SHOULD KNOW:

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Short- and long-term disability coverage is provided by

Reliance Standard.

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If you are unable to work because of illness or injury, you

may become eligible for benefits that pay you a continuing

income of at least 60 percent of your basic weekly pay,

up to the plan’s benefit maximums.

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Aflac provides these valuable income-continuation

benefits at no cost to you.

How the

benefits work

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You become eligible for short-term disability benefit payments after you have been disabled due to illness

or injury and unable to work for eight consecutive days. Benefits may continue for up to 25 weeks, until

you are no longer disabled, or until the date you reach your Social Security Normal Retirement Age,

whichever is sooner.

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You become eligible for long-term disability benefit payments if you are totally disabled as defined by the

plan.

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Benefit payments begin after 180 days of total disability (nonexempt employees) or after 90 days of total

disability (exempt employees). Long-term disability benefits may continue for a specified period, until you

are no longer disabled or you reach age 65 or normal retirement age.

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The plans consider any benefits payable from other sources, such as other group disability policies, Social

Security, workers’ compensation and state disability, then pay any additional amount needed to ensure

your income from all sources is at least 60 percent of your predisability basic weekly pay.

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Any disability must be certified by a licensed physician and approved by the claims administrator.

Your cost

There is no cost to you. Aflac covers 100 percent of the cost.

FOR MORE INFORMATION ABOUT:

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Short- and long-term disability coverage: Call the claims administrator at 877-202-0055 or go to

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All of your Aflac benefits: Go to

Accidental Death and Dismemberment Short- and Long-Term Disability Group Term Life Flexible Spending Employee Assistance Program ADDITIONAL BENEF ITS Vision Plan Dental Plan Options Health Plan and Prescription Drug Benefits HEALTH AND WELLNESS PLANS

How to Apply for

Aflac Coverage

How to Make Your 2018 Benefits Elections 2018 Benefits Highlights 2018 BENEF ITS GUIDE About This Guide When to Enroll REFERENCE 401(k) Plan Managing Your Retirement Salary Redirection Appendix and Legal Notices Summary of Benefits Glossary Quick Reference