2018 Aflac Incorporated Benefits Guide

2018 Benefits Highlights How to Make Your 2018 Benefits Elections

HOW TO MAKE YOUR 2018 BENEFITS ELECTIONS

FIRST,

review all the benefits options summarized in this guide.

NEXT,

go to

my.Aflac.com > Employee Services > Benefits

to review the 2018 rates for each benefit.

FINALLY,

record and save your elections online by going to

my.Aflac.com > Employee Services > Self Service

(using Google Chrome as your browser) and follow these steps:

When the

Aflac ESS

page opens, select

Benefits and Payments

Under

Benefits Enrollment

, select

Open Enrollment 2018

Read and accept the Terms and Conditions for enrolling in your benefits.

There are a total of seven steps to the enrollment process. Click the

Next

button when you have completed

a step to go to the next step. If you need to go back to a step, click the previous button or you can click

the box with the step number at the top of the window.

Step 1

Personal Profile -

Confirm your address is correct. Click the

Edit Personal Profile

button to

correct your address if needed.

Step 2

Dependents and Beneficiaries -

Check that your dependents and beneficiaries are correct. To add or

change a dependent or beneficiary, click the

Edit Dependents and Beneficiaries

button. Make sure to add

the Social Security number and date of birth for dependents you add. If you add a dependent to coverage,

you must supply documentation to the Benefits department certifying their eligibility.

Step 3

Benefits Summary -

Review your current benefits elections and plans available that you are not

currently enrolled in.

Step 4

Health Plans -

Click the pencil icon in the action column to change your election for plans you

are currently enrolled in. Click the page icon in the action column to enroll in new plans. Click the option

you wish to select and check the boxes for the dependents you wish to enroll. If a check box for a

dependent is disabled, this means the dependent is not eligible for the plan. Click the add button to

indicate your selection.

Step 5

Insurance Plans -

When electing life coverage, make sure to specify your beneficiaries in the

bottom of the window. If a beneficiary is not listed, go back to Step 2 and add them, then return to

Step 5. You can click on the box with the step number at the top of the screen to go directly to a step.

Note: There is no beneficiary selection for spouse life for your spouse or domestic partner, dependent

life for your child(ren) or the child(ren) of your registered domestic partner, or accidental death and

dismemberment insurance options. If you see a pop-up box with the heading “ EOI (Evidence of Insurability)

REQUIRED!”, this means you must provide evidence of insurability for the coverage you have selected before

the coverage will become active. Refer to the instructions in the pop-up window. You will also receive an email

notifying you of your insurance change and the need to provide evidence of insurability. The coverage you

selected is pending until your requested coverage has been approved or denied by Reliance Standard.

Step 6

Flexible Spending Accounts -

When enrolling in your flexible spending account during Open Enrollment,

specify the annual contribution amount. The annual amount will be divided into 24 equal payroll deductions in 2018.

Please review your Benefits Confirmation Statement to verify your per pay period deduction amount.

You must

re-enroll annually for this benefit.

2018 BENEF ITS GUIDE About This Guide When to Enroll HEALTH AND WELLNESS PLANS ADDITIONAL BENEF ITS REFERENCE

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