| Welcome | 4 |
| About This Guide | 4 |
| When To Enroll | 4 |
| What's New in 2014 | 5 |
| How to Make Your 2014 Benefit Elections | 7 |
| How to Apply for Aflac Coverage | 10 |
| Health and Wellness Plans | 13 |
| Aflac Health Plan and Prescription Drug Benefits | 13 |
| Dental Plan Options | 19 |
| Vision Plan | 22 |
| Benefits | 2 |