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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 ElectionsHow 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 ReferenceOPEN ENROLLMENT
begins
OCTOBER 23
AND ENDS AT 5 P.M. EST ON NOVEMBER 10, 2017.
ABOUT THIS GUIDE
This document is intended to highlight or summarize certain provisions of Aflac’s benefits plans. It is not a
Summary Plan Description (SPD) or an official plan document. Your rights and obligations under the plans
are set forth in the plan documents. All statements in this summary are subject to the terms of the official plan
documents, as interpreted by the appropriate plan fiduciary. In the case of an ambiguity or conflict between a
provision in this summary and a provision in the plan documents, the terms of the plan documents control. Aflac
reserves the right to review, change or terminate the plan, or any benefits under it, for any reason, at any time
and without advance notice, unless required by law.
Aflac Incorporated provides benefits for Aflac and all its subsidiaries and related companies and shall not be
deemed the employer of plan beneficiaries.
WHEN TO ENROLL
OPEN ENROLLMENT 2018
Open Enrollment begins Oct. 23, 2017, and ends at 5 p.m. EST on Friday, Nov. 10, 2017. You can enroll
at any
time
during the open enrollment period. Please remember you must enroll on an Aflac computer
or have VPN access to log in from a personal computer.
NEW HIRES
If you are new to Aflac, make your benefits elections for 2018 no more than
31 days
from your date of hire.
New employees are automatically enrolled in the Group Term Life Plan in company-paid options of Basic Group
Life and Basic Accidental Death and Dismemberment at 1.5 times your base annual salary.
The Aflac 401(k) Plan has a default contribution (automatic enrollment) of 6 percent of your gross salary.
If you’d like to enroll in the dental, vision or medical plan and apply for additional life or AD&D coverage, you
must make these elections during your initial enrollment period, which is no more than 31 days from your date of
hire. We encourage you to make your election as soon as possible after your date of hire to ensure premium
deductions for any changes in your elections start with your first pay statement. You may change your 401(k)
at any time after enrollment.