Welcome to Aflac

YOUR GUIDE TO BENEFITS ADMINISTRATION AND SERVICE

Z180825 EXP 2/20

Table of Contents
Account Details

Letter from Dan Amos, Aflac Chairman and Chief Executive Officer.........................................................................1

Account Information and Deduction Schedule ..........................................................................................................2

Aflac Contacts ...........................................................................................................................................................3

Online Resources

Aflac Business Services ............................................................................................................................................4

MyAflac Employer Resource Center .........................................................................................................................5

MyAflac Employee Resource Center.........................................................................................................................6

File a Claim................................................................................................................................................................7

Everwell .....................................................................................................................................................................8

Benefits Information

Why Aflac...................................................................................................................................................................9

Products at a Glance ...............................................................................................................................................10

Value-Added Services .............................................................................................................................................11

Frequently Used Forms

New Hire Cover Letter .............................................................................................................................................12

New Hire Letter........................................................................................................................................................13

Employee Separation Cover Letter .........................................................................................................................14

Aflac Always ............................................................................................................................................................15

 Date

Dear

Welcome to the Aflac family! I’m pleased to present this

handy guide containing the resources and information
you’ll need as we work together to help keep your
employees financially secure.

Aflac was founded more than a half century ago on a

simple promise: to be here for policyholders in their
times of need. We continue to keep that promise and
are proud of the reputation we’ve earned for paying
claims fairly and promptly.

Why is paying claims quickly so important to us? Quite

simply, because we know health care expenses won’t
wait. Thanks to our industry-leading One Day PaySM
program, we aim to put cash into the pockets of our
policyholders in as little as 24 hours.*

We know you have many choices when it comes to

meeting the insurance needs of your employees. We’re
glad you chose Aflac. You have our promise that we’ll
work with you to help ensure your employees have the
benefits options and support they need, today and long
into the future.

Sincerely,

Dan Amos
Chairman and Chief Executive Officer

*One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if
submitted online through Aflac SmartClaim, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements
for your claim(s) carefully. Aflac SmartClaim is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time
is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company
Statistic, 2018. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance
Company of New York. Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999.

1
Account Information
Aflac account number:

Plan year start date: Plan year end date:

Payroll deductions:
Aflac bills in arrears, so your initial payroll deduction should occur before your first invoice date. As a result,
invoices reflect deductions you have already withheld from employees’ paychecks. This helps ensure you have
the funds needed at the time of invoice.

According to the dates established during your account setup:

• Your first deduction should take place on:

• Your second deduction should take place on:

To view your current deduction amounts, visit Aflac Business Services at www.aflac.com/businessservices

• Within Business Services, follow the directions below to view your current deductions by employee.

3
2

1. From the home tab click 2. On the left navigation bar, click 3. Click "Deduction Summary" to
"My Accounts" "Deductions" view your accounts set deductions

2
Aflac Contacts
Your Aflac Associate(s)
Name: Name:
Address: Address:

City, State, Zip: City, State, Zip:

Email: Email:
Phone: Phone:
Broker District Sales Coordinator
Name: Name:
Address: Address:

City, State, Zip: City, State, Zip:

Email: Email:
Phone: Phone:
Regional Sales Coordinator Market Office
Name: Name:
Address: Address:

City, State, Zip: City, State, Zip:

Email: Email:
Phone: Phone:

Customer service center:

Aflac believes client concerns deserve to be heard by real people. That’s why we have friendly, knowledgeable
customer service representatives ready to assist.

Call us at 1.800.99.AFLAC (800.992.3522) from 8 a.m. to 8 p.m. ET, Monday through Friday.

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Business Services
The most convenient way to manage your Aflac account is through Aflac’s online billing portal, Aflac
Business Services

Once activated, you will be able to:

• View your account 24 hours a day, seven days a week.

• View and update employee status information.

• Update payment method information.

• Review and pay your Aflac invoice.

• Print frequently used forms.

Monthly recurring auto draft:

Take one thing off the monthly checklist. Review your account’s eligibility for recurring monthly payments,
and if eligible, enroll today. Once enrolled, you will receive email notifications prior to your monthly invoice
being processed.

Activate your Aflac Business Services account today.

Visit www.aflac.com/businessservices

If you have questions or encounter issues when using Aflac Business Services, please contact your agent or
email businessservices@aflac.com.

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MyAflac Employer Resource Center
Tools to simplify your benefits management

It’s where you can:

Access Aflac Business Services, which is the most secure and convenient place to view your account
information and pay your Aflac invoice.

Access and print your Section 125 plan documents with your tax ID and zip code.

View the new-account checklist, which contains the information you’ll need to get your account up
and running.

Get information on cafeteria plans and pretax information.

Access your Benefits Enrollment Toolkit and the MyAflac Employee Resource Center, which gives your
employees the information they need about their benefits.

Visit the Employer Resource Center at https://www.aflac.com/business/resources/myaflac.

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MyAflac Employee Resource Center
The MyAflac Employee Resource Center was created to help employees understand and manage
their policies

It’s where employees can:

File claims and check the status of payments.

Learn how to get claims paid promptly with a claims checklist.

Get information about One Day PaySM from Aflac, which pays cash fast – often in less than 24 hours.*

View additional resources, such as product information, a glossary of health care and insurance
terminology, how-to videos and more.

Enroll in Aflac Always® to continue coverage if they change jobs or retire.

Learn about and contribute to Aflac’s efforts to help children with cancer.

Visit the Employee Resource Center at https://www.aflac.com/individuals/myaflac.

*One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if
submitted online through Aflac SmartClaim, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements
for your claim(s) carefully. Aflac SmartClaim is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time
is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company
Statistic, 2018.

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File a Claim
Claim Assistance for your employees:

Aflac SmartClaim® Mobile App:

Our system will guide your employees every step of the way — from filling out the right forms to filing their claims
— so their claims can be processed quickly. Log in or register for access at aflac.com/MyAflac. Once logged in,
click File a SmartClaim at the bottom of the landing page.

To submit a claim by fax or mail, visit aflac.com/individuals/file-a-claim to download and complete the
appropriate claim forms. Once complete, fax to 1.877.442.3522. To send by mail, send completed forms to:

Aflac Worldwide Headquarters

Attention: Claims Department
1932 Wynnton Road
Columbus, GA 31999

To request claim forms by phone, please call 1.800.992.3522 between 8 a.m. and 8 p.m. ET,
Monday through Friday.

*One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if
submitted online through Aflac SmartClaim, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements
for your claim(s) carefully. Aflac SmartClaim is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time
is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company
Statistic, 2018.

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Everwell™
Everwell was created with one goal in mind: to lighten the burden of managing benefits by providing one-stop,
online access to all of your benefits – with added support to help you navigate health care reform.

Selecting and managing benefits is as easy as point, click and enroll – for you and for your employees. For the
first time, you can select and manage your Aflac dental, vision and major medical benefits on one simple-to-use
platform. You have the freedom to offer the plans you need to help protect your employees and they can choose
options that are right for them.

Spend more time managing your business and less time managing your benefits options. Since Everwell is
powered by Aflac, you can have added peace of mind that comes from knowing your benefits platform is backed
by more than 60 years’ experience. So, let’s take your benefits to a better place today.

Getting started is easy: Just point, click and enroll. Simple as that.

• Your employees can register and select plans.

• They can view and compare plan costs.

• Customer service is available 24/7.

It’s easy for them: Give your employees direct, online access to everything from major medical, dental and
vision, to additional supplemental insurance policies. We also include helpful features like:

• Reminders for product enrollment deadlines.

• Downloadable brochures and educational product videos.

• Simplified benefits with easy-to-use tools.

It’s easy for you: We made it easier than ever for you to help your employees work and live well by including
intuitive functionality. With Everwell, you can:

• Administer and manage accounts in real time.

• Manage qualifying events.

• Add and remove employees.

The policies and plans offered through the Everwell exchange are provided by multiple carriers. Please visit
aflac.com/everwell for details.

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Why Aflac

1
We pay your employees cash benefits for financial peace of mind
Aflac isn’t just any insurance. Our cash benefits help cover what major medical insurance does not,
including deductibles, copayments and any other expenses your employees may have. Because we pay
your employees directly (unless payments are otherwise assigned), they can use their benefits in any way
they choose.

2 We put your employees first

From our customer service centers — where real people care about your employees and work hard to
pay their claims — to our benefits for simply completing a routine medical exam, Aflac is committed to
supporting policyholders in everything we do.

3
We process claims quickly with One Day PaySM
If a claim is submitted before 3 p.m. ET, Monday-Friday, we’ll work hard to process it by midnight.1 After all,
we know your employees have bills to pay. One Day Pay means they can resume their lives with peace of
mind as quickly as possible.

4 We’ve earned a great reputation

• Ethisphere Magazine included Aflac on its list of the World’s Most Ethical Companies for the 13th
consecutive year in 2019.2
• In 2018, FORTUNE magazine included Aflac on its list of Most Admired Companies for the 17th time.3

One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if
1

submitted online through Aflac SmartClaim, including all required documentation, by 3 PM ET. Documentation requirements vary by type of claim; please review requirements
for your claim(s) carefully. Aflac SmartClaim is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time
is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company
Statistic, 2018. 2“World’s Most Ethical Companies,” Ethisphere Magazine, Q1 2019. 3“World’s Most Admired Companies,” Fortune Magazine, February 2018. Coverage is
underwritten by American Family Life Assurance Company of Columbus. In New York, American Family Life Assurance Company of New York underwrites coverage. WWHQ
| 1932 Wynnton Road Columbus, GA 31999.

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Products at a Glance
Aflac provides a variety of supplemental insurance policies that allows you to offer your employees more robust
coverage at no cost in premiums to your business.

Learn more about which products may be best for your workforce:

Accident1: Aflac accident insurance pays cash benefits that can help provide peace of mind following a
covered accident. Benefits can be used to help pay for any expense, including emergency treatment or
treatment-related transportation and lodging.

Aflac Plus Rider2: The Aflac Plus Rider helps protect employees from costs associated with serious
illnesses such as heart attacks, strokes, Type 1 diabetes, and advanced Alzheimer’s and Parkinson’s
disease.

Dental3: Aflac dental insurance provides benefits for covered checkups and cleanings, x-rays, fillings,
crowns and much more.

Disability4: Aflac short-term disability insurance offers income replacement benefits to help with the loss
of income due to a covered illness or injury.

Cancer/Specified-Disease5: Aflac cancer insurance pays employees a defined benefit for covered cancer
treatments and also helps with costs that may not be covered under major medical insurance such as
travel and accommodations, deductibles and copayments and other miscellaneous expenses.

Critical Illness/Specified Health Event6: Aflac critical illness insurance can help with the treatment
costs of life-changing illnesses and health events like heart attacks or strokes, among others, so your
employees can stay focused on their recovery.

Hospital7: Aflac hospital insurance can help your employees be better prepared for unexpected hospital
expenses that may not be covered by their major medical coverage.

Life8: Aflac life insurance can help protect the financial future of your employees and their loved ones,
if something happens to them.

Vision9: Aflac vision insurance is designed to help with the costs of eye exams, treatments and vision
correction materials.
Vision

This document is a brief product overview for planning purposes only and is not a legally binding contract. Policies have limitations and exclusions that may
affect benefits payable. For costs and complete details of coverage, please contact your local Aflac agent. 1In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma,
A36100OK–A36400OK, & A363OFOK. In Virginia, Policies A35100VA–A35400VA, A35B24VA, & A35BOFVA. 2In Oklahoma, Riders CIRIDEROK, CIRIDERHOK. The Aflac
Plus Riders are not available for residents in Idaho, New York, Pennsylvania or Virginia. 3In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–
A82400ROK. In Virginia, Policies A82100RVA–A82400RVA. 4In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK and A57600LBOK. In Virginia, Policies A57600VA
and A57600LBVA. 5In Idaho, Policies A78100ID–A78400ID. In Oklahoma, Policies A78100OK–A78400OK or Policies B70100OK; B70200OK; B70300OK; B7010EPOK;
B7020EPOK. In Virginia, Policies A75100VA–A75300VA. 6In Idaho, Policies A71100ID and A71200ID. In Oklahoma, Policies A71100OK, A71200OK, A74100OK, A74200OK,
and A74300OK. In Virginia, Policies A71100VA and A71200VA. 7In Idaho, Policies A49100ID–A49400ID and A4910HID. In Oklahoma, Policies A49100OK–A49400OK and
A4910HOK. In Virginia, Policies A49100VAR–A49400VAR and A4910HVAR. 8In Idaho, Oklahoma, and Virginia, Policies ICC64100–ICC64300 and ICC64500 and Policies
ICC1368100–ICC1368400. 9In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA.

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Stay Competitive:
Uncover More Value in Your Benefits
Businesses are under more pressure than ever before to remain competitive and attract the right talent. Whether
competing with big companies or other small businesses, the fight for talented, skilled workers is on. Staying ahead
is now easier through Aflac’s Value-Added Services. Our services go beyond supplemental benefits options to help
safeguard your employees’ physical, mental and financial well-being. Choose the services that are best for you and
your team from the menu below.

Choose One (Agent required to see 75% of employees):

AD&D Coverage with Travel Services: Employees can receive up to $7,500 of accidental death and
dismemberment coverage from Reliance Standard Life Insurance. When traveling at least 100 miles
from home or in a foreign country, travel assistance is included for employees and their dependents.

Fraud Protection: EZShield® provides award-winning fraud protection for your employees, including Dark
Web monitoring. EZShield is also available as an employer-paid offering.

Health Advocacy and Medical Bill Saver: Health AdvocateTM helps employees navigate health care-
and insurance-related issues, resolve claims, negotiate medical bills and more.

College Assistance Plan (CAP): From admissions and college planning, to financial aid and applications,
this online support center offers tools and resources to help employees navigate the entire college
preparation process. CAP is also available as an employer-paid offering.

Telemedicine: MeMD ® allows employees to connect with a medical provider online and receive
personalized treatment anytime, almost anywhere. MeMD® is also available as an employer-paid offering.

Personal Wellness: Health AdvocateTM helps employees develop a healthy lifestyle plan to achieve their
wellness goals with support from online resources.

Financial and Legal Fitness: Health AdvocateTM assists employees with financial and legal preparedness
and provides access to complimentary consultative services from licensed professionals.
The value-added services described above are not available in all 50 states. Availability is also dependent upon satisfying a predetermined percentage of employees
seen during an account’s open enrollment period. Please contact your Aflac agent for more information.

Value-Added
Services
The value-added services listed here and made available on Everwell are offered by multiple providers. Aflac’s affiliation with the value-added service providers is limited only to
a marketing alliance. Other than this marketing alliance, Aflac and the value-added service providers are not affiliated in any way. Aflac makes no representations or warranties
regarding the value-added service providers, and is not responsible for any of the products or services provided by the value-added service providers. Value-Added Services
are not available to accounts located in ID, MN, MO or NY. Value-Added Services are not available to residents of ID or MN. Additional state restrictions may apply and benefits
may vary by state. Each value-added service provider offers its products and services subject to its own terms, limitations and exclusions. Refer to plan details in Everwell for
further information on terms, limitations and exclusions. Aflac herein means American Family Life Assurance Company of Columbus.
Health Advocate: This offering may not supersede the terms and conditions of any existing contract the client has with Health Advocate. Health Advocate reserves the right
to refuse any client group through Aflac if the client group cancels a pre-existing contract with Health Advocate prior to expiration date of the contract. Medical Bill Saver has
restrictions for negotiations on in-network deductibles and co-insurance in Arizona, Colorado, District of Columbia, Illinois, Indiana, New Jersey, North Carolina, South Dakota
and Utah.
MeMD: When medically necessary, MeMD providers can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD
providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD’s providers are each licensed by the appropriate licensing board for
the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

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New Hire Cover Letter
Please email or fax the completed letter to your Aflac associate.

Attention:

Phone:

Fax:

Company name:

Employee name:

Phone number:

Hire date:

Date eligible for benefits:

Please be advised that we have a new employee.

Thanks,

Enter account contact name

The letter on the next page is intended for distribution

to your new employees during orientation.

Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, American Family Life Assurance Company of New York underwrites
coverage. WWHQ | 1932 Wynnton Road | Columbus, GA 31999.

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Congratulations On Your New Role!
You work hard for your paycheck, and we’d like to help you protect it

We know life is a balancing act. It’s about standing up to the expected and unexpected every day. For more than
60 years, we’ve been there when people need us most by helping them people protect their financial security and
peace of mind.

While you can’t foresee everything that can come your way, you can make smart choices that better prepare you
for things life can throw at you. That’s why I’d like to talk to you about how Aflac insurance can help.

Aflac isn’t health insurance that pays doctors and hospitals. Aflac pays cash benefits directly to the policyholder.1
Benefits are paid regardless of any other coverage your employees may have — even worker’s compensation.

And because we want your employees to be able to focus on getting better and not worry about how they will pay
unexpected medical bills or other expenses, we focus on paying them cash as quickly as possible. With One Day
PaySM, eligible claims can be paid in just 24 hours when submitted online.2 Also know your Aflac policy belongs to
you, not your company. So if you change jobs, your coverage can go with you.

For more information about Aflac policies and to apply for coverage, call me at {{agent phone number}}
or visit aflac.com.

You’ll always have our promise that we’ll help protect you and your family. I look forward to assisting you.

Agent:

Phone:

Email:

1
Benefits are paid directly to you, unless assigned otherwise. 2One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim®
process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim, including all required documentation, by 3 p.m. ET. Documentation
requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim is available for claims on most individual Accident, Cancer, Hospital,
Specified Health and Intensive Care policies. Most other claims are processed within four days. Processing time is based on business days after all required documentation
needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2018. Coverage is underwritten by American
Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Aflac Worldwide
Headquarters | 1932 Wynnton Road | Columbus, Georgia 31999

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Employee Separation Cover Letter
Please email or fax the completed letter to your Aflac associate.

Attention:

Phone:

Fax:

Company name:

Employee name:

Phone number:

Separation date:

The above named employee is no longer employed by our company. Please notify them of their options to
continue coverage on a direct basis.

Thanks,

Enter account contact name

{{Enter account contact name}}

PLEASE NOTE, this letter doesn’t remove this employee from the monthly invoice. Those changes should be
submitted online through Aflac Business Services.

Content on the next page is intended for distribution to

employees who are no longer employed by your company.

Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, American Family Life Assurance Company of New York underwrites
coverage. WWHQ | 1932 Wynnton Road | Columbus, GA 31999.

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Life Moves Forward
Aflac Always® keeps your benefits moving forward, too
Ready or not, your life moves forward. Make sure your Aflac coverage moves with you. With Aflac Always, your
benefits are protected through automatic payments even if you change jobs, your employer stops providing
payroll deductions for your premium or you retire.

With Aflac Always:

You keep the policy just the way it’s always been. Keep your insurance policies without having to do
any extra paperwork, and lock in the same premium rate you enjoyed with your employer.*

You choose how you pay. Select how your premiums are paid (e.g., bank draft) and when.

It’s ready to go to work for you, 24/7. Should you ever change jobs or retire, Aflac Always is ready to
step in to help ensure you keep your coverage.

Protecting your policy is FREE and as easy as 1-2-3! Simply log in to aflac.com/myaflac, select Aflac
Always in the left column and enter your payment information.

Life is always full of the unexpected. But Aflac Always will help ensure your financial future is protected.
Sign up today at aflac.com/MyAflac.

*This does not apply to NY. Individual coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American
Family Life Assurance Company of New York. Aflac Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999

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 Accident Cancer Life Hospital

Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of
New York. Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999.

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