1. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. AFLAC Group Disability Advantage for NAF Business Support Services Staff

2. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. What is Disability Insurance?Importance of Guaranteed IssueHow do I enroll?Filing ClaimsFAQ

3. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. Disability Insurance provides needed income if you become Totally Disabled and are unable to work due to a covered injury or illness. Total disability benefits will be payable monthly once the elimination period has been satisfied.

4. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. You choose the amount of coverage: Up to 60% of your total income to be paid to you while you are Totally Disabled. The amount you choose will determine your bi-weekly premium. The plan has a 14/14 day elimination period. This means benefits are not payable until your 15 th consecutive day out of work (including weekends) whether it is for a covered injury or illness. This allows you to use your sick leave for less serious sicknesses or injuries. The AFLAC Disability Plan has a three month benefit period.

5. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. If you are not sure if you are eligible for this benefit, please call your local HR department. *Please refer to the Disability Advantage Brochure for more information on coverage and limitations as well as this product video: http://www.aflac.com/videos/gdap/

6. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. Guaranteed Issue AFLAC is WAIVING all medical questions for this first plan year (up to a $3000.00/month benefit amount)! This means that even if you have a pre-existing condition, you are eligible for this insurance and your application will be accepted if your benefit amount is under $3,000.00. Qualified employees wanting more than $3,000.00/month must answer all questions on the application to be reviewed by underwriting. If you choose not to apply for coverage in the first plan year, at the following open enrollment you will need to answer the health/medical questions. Answering “yes” to any of the medical questions will cause your application to be denied. If you are a new employee, or newly eligible, you will be given Guaranteed Issue if you apply for coverage within the first 31 days of your eligiblilty. THIS IS VERY IMPORTANT!!

7. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. Make sure you sign up before the end of Open Enrollment! The Enrollment Period is September 1 st to October 31 st. If you miss the Open Enrollment period, you will have to wait until the next year to enroll All applications taken during the Open Enrollment Period will have an effective date of January 1, 2016

8. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. How do I enroll? 1.Fill out a paper application provided by your local HR Manager. This application should be tuned over to HR once completed to verify your eligibility. Don’t forget to sign the 2 nd page. *Employees in Japan MUST apply online. No paper applications will be accepted due to insurance laws 2.See the next page for how to apply online.

9. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. To Enroll Online go to: www.MyWeCareBenefits.net/aflac Case ID: A816 User ID: 9 digit SSN Password: MCCSNAF Choose coverage amount based on annual income and submit application through the web site portal

10. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. Filing a claim: Download your claim form at: www.AflacGroupInsurance.com/docs/claimforms/DisabilityClaimForm.pdf Make sure all fields are completed. Submit the form with all documentation Supporting your disability. Claim forms need to be mailed, faxed, or e-mailed to AFLAC Group

11. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. Mail claims: Fax Claims: E-mail Claims: CAIC/AFLAC GROUP CLAIMS PO BOX 427 Columbia, SC 29202 (866) 849-2970 GroupClaimFiling@Aflac.com

12. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. FAQs: What is considered a pre-existing condition and what are the plan limitations for them? Within the 12 months prior to your Disability Plan effective date: 1. A Dr. must have advised, diagnosed or treated the covered employee 2. Symptoms existed that would ordinarily cause a prudent person to seek medical advice or treatment A covered employee will receive 50% of their disability benefit within the first plan year and 100% of their disability benefit after the first plan year for pre-existing conditions. Is pregnancy considered a pre-existing condition? Yes. If you are already pregnant before the plan effective date, you will be able to collect 50% disability benefits on your plan. If conception is after your effective date this is not considered pre-existing and full benefits are payable.

13. Edit the text with your own short phrases. The animation is already done for you; just copy and paste the slide into your existing presentation. This animation looks best on a medium or dark colored background. The text will be hard to read on very light or very dark backgrounds. FAQs Cont: I’ve filed a claim, how quickly will I be paid? AFLAC Group processes claims in about four business days. A check will be mailed to you unless you have filled out an Aflac Direct Deposit form (attached to the last page of the claim form). If any important information is missing, Aflac will send you a letter letting you know what needs to be submitted. How much will I be paid if I’m only Disabled/Out of work for a partial month? After your 14 day elimination period, your monthly benefit will be divided by 30 and paid for the number of days you are disabled. Example: You are out of work for 20 days. 20-14 = 6. If your monthly benefit is $1200.00/30 = $40.00 per day of disability less your 14 day elimination period. I have additional questions about the plan or need help with the enrollment web site. Who do I call? Call (800) 983-0979 and ask for the Aflac MCCS NAF coordinator