2018 Aflac Incorporated Benefits Guide

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You must provide notice of the second qualifying event to:
Benefits Department
Aflac Incorporated
P.O. Box 5248
Columbus, GA 31906-0248
706-317-0770
HEALTH INSURANCE MARKETPLACE AND OTHER
COVERAGE OPT IONS
You and your enrolled dependents may have additional coverage
options available to you if you lose coverage through what is
called a “special enrollment period.” For example, you may be
eligible to buy an individual plan through the Health Insurance
Marketplace established under the Patient Protection and
Affordable Care Act. In the Marketplace, you could be eligible for
a tax credit that lowers your monthly insurance premiums, and
you will be able to see what your deductibles and out-of-pocket
costs will be before you decide to enroll. For more information
about the Marketplace, visit . Being eligible
for COBRA continuation coverage will not limit your eligibility for
coverage or a tax credit through the Marketplace.
However, if you sign up for COBRA continuation coverage
instead of a Marketplace plan, you will only be able to switch to
a Marketplace plan during a Marketplace open enrollment
period or if you have a “qualifying event” such as marriage or
birth of a child.
There may also be other coverage options for you and your
family through Medicaid or other group health plan coverage
options (such as a spouse’s plan). Some of these options may
cost less than COBRA continuation coverage. You can learn
more about many of these options at .
I F YOU HAVE QUEST IONS
Questions about the Plan or your COBRA continuation
coverage rights should be addressed to the contact or contacts
identified below. For more information about your rights under
ERISA, including COBRA, the Health Insurance Portability and
Accountability Act (HIPAA), and other laws affecting group health
insurance plans, contact the nearest regional or district office
of the U.S. Department of Labor’s Employee Benefits Security
Administration (EBSA) or visit . Addresses
and phone numbers of regional and district Employee Benefits
Security Administration offices are available through its website.
KEEP YOUR PLAN ADMINISTRATOR INFORMED
OF ADDRESS CHANGES
Protect your family’s rights by keeping the plan administrator
informed of any changes to family members’ addresses. You
should also keep copies of notices sent to the plan administrator
for your records.
PLAN CONTACT INFORMAT ION
Information about the Plan and COBRA continuation coverage
may be obtained at the address and phone number below.
Please provide the plan name, number and administrator
information when requesting information. Address:
Aflac Incorporated
P.O. Box 5248
Columbus, GA 31906-0248
706-317-0770
Plan Name: Aflac Employee Health and
Welfare Benefits Plan
Plan Number: 501
Plan Administrator: Benefits Manager
AFLAC INCORPORATED 401 (K) SAVINGS AND
PROF I T SHARING PLAN
The Aflac Incorporated 401(k) Savings and Profit Sharing Plan
(the “401(k) Plan”) includes features that allow you and Aflac, as
well as other participating companies (the “Company”), to make
contributions to the 401(k) Plan. This notice is provided to meet
certain legal requirements and to help you make more informed
decisions about your contributions. Any covered employee who
is not classified as a temporary employee is eligible to begin
making contributions to the 401(k) Plan after receiving his or her
first paycheck. Temporary employees in covered positions are
eligible after reaching age 21 and completing 1,000 hours of
service in the first year of employment or any calendar
year thereafter.
AUTOMAT IC PLAN CONTRIBUT IONS
You may make pretax and/or Roth contributions to the 401(k)
Plan of up to 75 percent of your compensation other than
annual bonuses and up to 75 percent of your annual bonus
after required taxes are deducted. However, your total pretax
and Roth contributions for the year may not exceed a dollar limit
imposed by the IRS ($18,000 in 2017). If you will be age 50 by
the end of 2018, you may contribute an additional amount for
the year as a catch-up contribution. During the 2017 plan year,
the maximum catch-up contribution was $6,000.
If you’re eligible to participate in the 401(k) Plan and don’t make
an affirmative election, you will be automatically enrolled in the
401(k) Plan 30 days after your hire or rehire date (or if you are
a temporary employee, 30 days after you meet the age and
service requirements for participation). If you are automatically
How to Apply for
Aflac Coverage