Page 40
Reference
Appendix and Legal Notices
Appendix and Legal Notices
Summary Plan Descriptions
Summary plan descriptions (“SPDs”) for the Aflac Incor-
porated (“Aflac” or the “Company”) health, welfare and
retirement plans (collectively the “Plans”) are available
o
.
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
benefit 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 discrep-
ancies 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 benefit 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 regis-
tered domestic partner.
Status Changes
Benefit elections for the health and welfare benefit options
made during the annual enrollment period are for the next
calendar year and become effective Jan. 1, 2014. The
benefits you elect remain in effect through Dec. 31, 2014.
You may not make changes to your elections under the
health and welfare benefit 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 employ-
ment status, or that of your spouse or dependent:
termination or commencement of employment; a
strike or lockout; going on or return 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 attrib-
utable to the employment of a spouse;
• Entry of a Qualified Medical Support Order resulting
from divorce, legal separation, or change in legal cus-
tody that requires you to add group health coverage
for your dependent child under the health and welfare
benefit 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”);
and Relocation to an area in which the current health
plan is unavailable.
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
30 days of the date the status change occurred. The
health and welfare benefit options generally prohibit status
changes more than 30 days after the status change event
occurs. However, you will have up to 60 days after a loss of
coverage under Medicaid or CHIP because of loss of eligi-
bility or after you are determined to be eligible for premium
