2018 Aflac Incorporated Benefits Guide

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APPENDIX AND LEGAL NOTICES
SUMMARY PLAN DESCRIPT IONS
Summary plan descriptions (“SPDs”) for the Aflac Incorporated
(“Aflac” or the “Company”) health and welfare and retirement
plans (collectively the “Plans”) are available on
. These SPDs are accessible
to participants and eligible employees in compliance with ERISA.
If you’re unable to access , or if you would
like a paper copy of any of the SPDs, you may request printed
copies from Aflac’s Benefits Department. For more information,
please call the Benefits Department at 706-317-0770.
This guide provides an overview of Aflac’s employee benefits
plans. It does not replace legal plan documents, SPDs, group
policies or certificates of coverage describing specific benefits,
limitations and exclusions. These documents are available on
. If there
are discrepancies in this guide, your benefits will be determined
in accordance with the official plan documents.
Receipt of this guide should not be considered to mean that you
are a participant or eligible to participate in the Plans or benefits
programs described in this guide if you do not otherwise meet
the eligibility requirements set forth in the documents which
govern the Plans or you fail to enroll as described in this guide.
Where the following notices refer to a spouse, it is Aflac’s
intent for the word spouse to mean legal spouse or registered
domestic partner.
STATUS CHANGES
Benefits elections for the health and welfare benefits options
made during the annual enrollment period are for the next
calendar year and become effective Jan. 1, 2018. The benefits
you elect remain in effect through Dec. 31, 2018. You may not
make changes to your elections under the health and welfare
benefits options unless you experience one of the following
events, known as a “status change”:
• Marriage, registration of a domestic partnership, divorce,
legal separation, cessation of a domestic partnership,
annulment, birth, adoption or placement for adoption of a
child or death of a spouse/child;
• Termination/beginning of employment for employee/
spouse;
• Any of the following events that change your employment
status, or that of your spouse or dependent: termination
or commencement of employment; a strike or lockout;
going on or returning from an unpaid leave of absence;
a change in worksite; or if a change in your employment
status affects your plan eligibility due to an eligibility
provision that is based on your employment status;
• Significant change in health benefits coverage attributable
to the employment of a spouse;
• Entry of a Qualified Medical Support Order resulting
from divorce, legal separation or change in legal custody
that requires you to add group health coverage for your
dependent child under the health and welfare benefits
options or requires your former spouse or another person
to provide health care coverage for the dependent child;
• Dependents becoming eligible for coverage or losing
eligibility;
• Eligibility for coverage under Medicare and/or Medicaid;
• Loss of coverage under Medicare, Medicaid, PeachCare,
AllKids, Child Health Plus or any other state child health
program;
• Eligibility for a premium subsidy under Medicaid or the
Children’s Health Insurance Program (“CHIP”);
• Relocation to an area in which the current health plan is
unavailable;
• Your expected hours of service change from at least 30
hours per week to less than 30 hours per week, and you
enroll in other medical coverage, even if the change does
not result in your ceasing to be eligible under the plan;
and
• You are eligible for and intend to enroll in Exchange
coverage, during either an Exchange special or open
enrollment period.
Please note: A dependent’s new eligibility for PeachCare for
Kids, AllKids, Child Health Plus or any other state child health
program does not constitute a status change.
If you experience one of the status changes listed above,
immediately go to
to complete a Status Change form or call the
Benefits Department at 706-317-0770 if you have questions.
You generally must complete and submit a Status Change
form to the Benefits Department within 31 days of the date the
status change occurred. The health and welfare benefits options
generally prohibit status changes more than 31 days after the
How to Apply for
Aflac Coverage