2017-2018 Enrollment...

2017-2018 Enrollment GuideSupplemental Insurance Options

1 How to Get Started

2 New! EverydayCARE

4 New! Benezon TeleMedicine

6 Aflac Supplemental Insurance Options

Aflac Term Life 5New! Aflac Group Dental 6Aflac Disability 7Aflac Hospital Indemnity 8Aflac Critical Illness 10Aflac Accident 12

16 Value Added Services

MeMD 15Health Advocate 15Medical Bill Saver 15

18 Limitations & Exclusions

Table of Contents

1

AOs: How to Get Started

To ensure a successful enrollment, we need to collect important information about you, your drivers, and other drivers. This ensures we can communicate the benefits options available during Open Enrollment. Follow the simple steps below to access a secure, online form to register your drivers for Open Enrollment.

How to register your drivers:Step 1: Log on to marshdriverbenefits.com.On the home page, you should see a button that looks like this:

This will take you to an electronic form where you can submit the information we need about your drivers.

Step 2: Fill out the enrollment form with your company and driver information.For verification purposes, please provide your six-digit business ID number. You will also be asked to submit the following information about each of your new drivers hired after last year’s Open Enrollment period.

• First and last name• Email address• Phone number

If your company has six or more drivers, you may upload an Excel file with the needed information. For your convenience, we have also provided a template in which you can input your driver database.

Note: Drivers who participated in Open Enrollment last year do not need to be re-registered. You only need to provide information for new drivers hired after last year’s Open Enrollment period.

Step 3: Click “submit.”After you submit the form, we will contact your drivers in the next few weeks to help them complete their enrollment.

You may also contact an Enrollment Specialist to assist you with entering your driver information.

(844) 275-2721Monday - Friday 8:00 a.m. - 7:00 p.m. (Central Time)

AOs: Register Your Drivers for Enrollment

http://marshdriverbenefits.mybenefitslibrary.com

http://email-eoiservice-2956401.hs-sites.com/aoenrollmentpage

2

NEW: EverydayCARE

We are proud to provide you with a new Minimum Essential Coverage (MEC) option.

3

Receive coverage for your basic healthcare needs while avoiding the Affordable Care Act (ACA) Penalty.

At Marsh Driver Benefits, we want to make sure that our drivers have easy and affordable access to the basic medical services they need to stay healthy. This is why we are proud to introduce EverydayCARE through Redirect Health, a Minimum Essential Coverage (MEC) plan that provides coverage for everyday medical needs such as preventive services, doctor’s office visits, urgent care, and prescription drugs. Additionally, if you are currently uninsured, this plan allows you to avoid the ACA penalty of 2.5% of your yearly household income.

To learn more, please reach out to an Enrollment Specialist at (844) 275-2721.

Features• Affordablecoverageforpreventiveprocedures,primarycare,labs,immunizations,andmore.

•$0copayandnodeductiblesforqualifyingmedicalservices.

•AvoidcostlyACApenaltiesperuninsuredmemberofyourhousehold.

•AprescriptiondrugprogramthatprovidescoverageforMEC-coveredpreventivemedications.

•Preventivewellnessservicesforyourchildren.

EverydayCARE

Visit marshdriverbenefits.com for more information.

NEW:

Please see the table below for the weekly rate for EverydayCARE coverage. For more information on how you can participate in this plan, speak to an Enrollment Specialist by calling (844) 275-2721.

Important Note: This description only serves as a summary of your benefit plan. Please refer to your Summary Plan Description (SPD) for actual coverage, limitation, and exclusion provisions.

Covered Person(s) Weekly Rate

Employee Only $25.38

Employee + Spouse $47.31

Employee + Child(ren) $47.31

Family $70.38


4

NEW: Benezon TeleMedicine

Read on to learn more about our newly-offered TeleMedicine program through Benezon.

5

Skip the waiting room and receive treatment through a licensed physician anywhere, anytime.

We understand the importance of flexibility when it comes to seeking medical care, which is why we are happy to introduce a newTeleMedicineplanthroughBenezon.Thisplanallowsyouandyourdependentstoreceivetreatmentandprescriptionsoverthe phone for certain illnesses, such as the flu, bronchitis, sinus infections, and allergies. You are also able to schedule consults, reviewinformation,findyournearestqualifyingpharmacy,andmorethroughBenezon’scutting-edgemobileapp.

Navigate the healthcare system with ease through the Patient Advocacy Program.

This TeleMedicine plan gives you automatic access to the Patient Advocacy Program. The program allows you to connect with patient advocate professionals who are here to support you with seamlessly receiving the healthcare you need. Patient advocate professionals are here to help you with:

• Betterunderstandingyouroverallbenefitspackage

• Recevingpersonalizedsupportwithfindingin-networkproviders

• Gettingasecondopinionontreatmentcosts

• Gainingaccesstotransparencytools

• Negotiatingmedicalbillsandnavigatingtheappealsprocess

Download the app to get started! Here’s how:

1.GototheAppStoreorGooglePlay

2.Downloadthe“Strive Benefits” app

3.EnterServiceKey:marsh

4.Createausername(usingyouremailaddress)

5.Selectyour6-digitpasscode

To learn more, please reach out to an Enrollment Specialist at (844) 275-2721.

Features• Convenientone-stopshopmobileapp

• 24/7/365access

• Noconsultfee

• Videoconsultoptionavailable

• SavingsonRxprescriptions

• Gain access to Benezon’s Patient Advocacy Program,which allows you to receive professional helpwithnavigating the healthcare system

TeleMedicine


Sample Weekly Rate

$2.42

NEW:


6

Aflac SupplementalInsurance Options

Term Life

NEW: Dental

Disability

Hospital Indemnity

Critical Illness

Accident

7

Notice to Consumer: The coverages provided by Continental American Insurance Company (CAIC) represent supplemental benefits only. Theydonotconstitutecomprehensivehealthinsurancecoverageanddonotsatisfytherequirementofminimumessentialcoverageunderthe Affordable Care Act. CAIC coverage is not intended to replace or be issued in lieu of major medical coverage. It is designed to supplement a major medical program.

ContinentalAmericanInsuranceCompany|Columbia,SouthCarolinaAGC1601597IV(8/16)

This is a brief product overview only. Products and benefits vary by state and may not be available in some states. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable.

Refertopages15-21forlimitationsandexclusions.

Term Life Insurance (Policy Series CAI9100)

Aflac Term Life Insurance helps address your loved ones’ immediate and future financial needs following your death. Immediate needscanincludeburial/funeralexpenses,uninsuredmedicalcosts,andcurrentbillsanddebts.Futureneedscouldincludeeducationplans,ongoingfamilyobligations,emergencyfunds,andretirementexpenses.GroupTermLifeInsurancefromAflacprovides a death benefit for a specific length of time and coverage expires at the end of the term.

Features• Termlifecoverageavailable–10-yeartermand20-yearterm

• Coverageavailableforspouse(18-70)andchildren(15days-24years)

• 10-yeartermo$100,000employee(Ages18-70)o$50,000spouse(Ages18-70)(nottoexceedemployee’scoverage)o$10,000perchild(age15Days-24Years)

• 20-yeartermo$50,000employee(Ages18-65)o$25,000spouse(Ages18-65)(nottoexceedemployee’scoverage)o$10,000perchild(age15Days-24Years)

• AnAcceleratedBenefitforTerminalIllnessisbuiltintotheplanandwillpay50%oftheDeathBenefitifaninsuredisdiagnosed with a terminal illness

• AccidentalDeath,LossofSightandDismembermentBenefitRiderisincludedwiththeplan,andpaysanadditionalbenefit for covered losses

• AWaiverofPremiumforTotalDisabilityBenefitisbuiltintotheplanandwaivesallplanpremiumsiftheinsuredistotally disabled for more than six consecutive months

• Thisplanisportable,whichmeansyoucancontinuecoverageifyouchangeemployers(withcertainstipulations)


Sample Weekly Rate 1

$3.471Sampleweeklyratebasedonnon-smokerage35with$50,000ofcoverageunderthe10-yearterm.

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensedtosolicitbusinessinNewYork,Guam,PuertoRicoortheVirginIslands.


8

*If a covered ADA code is revised or replaced by the American Dental Association, we will pay the amount shown in the schedule of de tal procedures for the code most comparable to the revised or replaced code. Benefits will be paid based on current ADA coding covention.

1Sample weekly rate based on employee coverage excluding optional benefit riders.



MaintainYourSmilewithGroupDentalInsurance.

Through Aflac’s Dental Insurance policy, you have the ability to seek treatment at any dentist you choose. This makes it easy for youandyourfamilytoreceivehighqualitydentalcarepricedtofitmostbudgets.Thisnewdentalplanpaysabenefitdirectlyto you, unless otherwise assigned, depending on the procedures or services you receive.

Procedures and Services

Coverage Year Maximum (per insured)Fillings and Basic ServicesX-Ray (once every plan year)Dental Wellness (twice per plan year per insured)Pain management and Adjunctive ServicesOralSurgery,GumTreatments,andProstheticRepairMajor Prosthetic ServicesCrowns and Major Services

$1,600Upto$275(3-monthwaitingperiod)

$35$50

Upto$140(3-monthwaitingperiod)Upto$975(6-monthwaitingperiod)Upto$650(24-monthwaitingperiod)Upto$425(12-monthwaitingperiod)

Orthodontic Benefit Rider

Total Annual Maximum (per family)Lifetime Maximum (per insured)Initial Treatment*ContinuedTreatment(oncepermonth,upto18treatments)Waiting Period

$2,600$1,400$500$50

24months

Cosmetic Benefit Rider

Total Annual MaximumLifetime MaximumCovered Cosmetic TreatmentWaiting Period

$600$1,800

Upto$25024months

Dental Insurance (Policy Series CAI1100)

NEW:



$9.28

Features• Guaranteed-Issue – you can elect coverage for yourself, your spouse, and your children without answeringmedicalquestions

• Benefits are paid directly to you, unless otherwise assigned, depending on the treatment, procedure, orexamination you receive

• Nodeductiblesorco-insurance

• Nonetworks–employeeshavetheirchoiceofdentists

• Paysregardlessofanyotherinsuranceprograms

• OrthodonticandCosmeticBenefitridersavailable


9

What is Short Term Disability Insurance?Short Term Disability Insurance is an income replacement plan that pays a percentage of your income if you become temporarily disabled, leaving you unable to work. The plan provides a monthly disability benefit to covered drivers.

Why Do You Need Disability Advantage Insurance?

The Aflac Disability Advantage Insurance is like insurance for your paycheck. The plan insures a portion of your monthly salary in the event you become disabled or are unable to work due to a covered injury or sickness. Benefit payments begin after any applicable elimination period is satisfied and continue during disability, up to the disability benefit period.

Disability BenefitThe Disability Advantage plan includes a Total Disability Benefit (pays the monthly benefit when a covered driver is totally disabledandunabletoworkduetosicknessorinjury)andPartialDisabilityBenefit(pays50%ofthemonthlybenefitwhenacovereddriverispartiallydisabledandreturnstoworkearninglessthan80%ofbaseincomeduetosicknessorinjury).Benefitsbegin following the expiration of an applicable elimination period.

Issue Ages: 18-74(driveronly)

Waiting (Elimination) Period: AccidentEliminationPeriod:7Days SicknessEliminationPeriod:7days

Pre-Existing Conditions: Therewillbea12monthwaitingperiodforaDisabilitycausedbyaPre-ExistingConditionandwillnotbecoveredunlessitbeginsmorethan12monthsaftertheEffectiveDateofcoverage.

Benefit Duration: MaximumBenefitPeriod:6Months

Guaranteed-Issue Amount: TheGuaranteed-IssueAmountis$1,500

Features• Guaranteed-Issue - No health questions ormedical exam; up to $1,500 during Open Enrollment (healthquestionsrequiredforcoverageover$1,500).

• Coverage is non-occupational, which means the plan covers disability due to off-the-job injuries andsicknesses

• PartialDisabilityBenefitallowingforatransitionperiodbeforereturningtofull-timeemployment

• Minimummonthlybenefit$300uptomaximummonthlybenefitof$3,000

• Premiumpaymentsarewaivedafter90daysoftotaldisability

• Maximumincomereplacementis50%ofthedriver’ssalaryinmoststates*

Disability Insurance (Policy Series C50000)

*State Statutory Disability Insurance Benefits

Themaximumincomereplacementis50%ofsalary.Themaximumincomereplacementfordriverswhoresideinstateswithstatedisability (NJ,HI,CA,andRI)benefitsis40%.


1Sampleweeklyratebasedonannualsalaryrangeof$33,600-$35,999,age18-49,monthlybenefitamountof$1,400.




$13.21


10

1Sample weekly rate is based on plan level II for employee only.

Hospital Indemnity Insurance (Policy Series 8500)

Features• Guaranteed-Issue–youcanelectcoverageforyourself,yourspouse,andyourchildrenwithoutansweringmedicalquestions*

• Theplanpaysregardlessofanyotherinsuranceprograms

• Out-of-hospitalprescriptiondrugbenefitisincluded

• Wellbabycarebenefitisincluded.

• SurgeryandAnesthesiaBenefitisincluded

• Theplanisportable(withcertainstipulations)

Why is Hospital Indemnity Insurance Important?Nomatterhowgoodyourmajormedicalinsuranceis,whenyou’rehospitalizedforaninjuryorillness,youcanexpecttohavemedical expenses and out-of-pocket costs that are not covered. Without a financial plan in place, you could have difficulty paying for high out-of-pocket costs resulting from an accident or illness as well as everyday expenses such as mortgage, rent or car payments, transportation, groceries, and child care.

A Hospital Indemnity Insurance plan from Aflac provides cash benefits paid to you (unless otherwise assigned) to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you may have.

How It Works

$50Hospital Emergency

Room/Physician Benefit

$500Hospital Admission

Benefit

$400Hospital Confinement Benefit ($200 per day)

$950+ + =

The insured has a high fever and goes to the emergency

room.

The physician admits the insured into the

hospital.

The insured is released after

two days.

The Aflac group Hospital Indemnity

Plan pays the insured.

*During initial enrollment and for newly eligible employees, coverage is guaranteed-issue.

Pre-Existing Conditions Plan will not pay benefits for any loss or injury that is caused by, contributed to by, or resulting from a pre-existing condition for12monthsaftertheinsured’seffectivedateorfor12monthsfromthedatemedicalcare,treatment,orsupplieswerereceived for the pre-existing condition—whichever is less.



$10.02


11

Hospital Indemnity BenefitsHospital Confinement (per day)

Paysamountshownwhenaninsuredisconfinedwithin6monthsasaresidentbedpatientastheresultof

injuriesreceivedinacoveredaccidentorbecauseofacoveredsickness;benefitispayableforonlyonehospital

confinementatatime;maximum180daysperyear.

$200

Hospital Admission (per confinement)

This benefit is payable in the amount shown when an insured is admitted to the hospital and confined as a resident

bedpatientwithin6monthsofinjuriesreceivedinacoveredaccidentorbecauseofacoveredsickness.

Residents of Massachusetts are not eligible for Hospital Admission Benefit amounts in excess of $500.

$500

Hospital Intensive Care (per day)

Benefit will pay the daily amount for each day of confinement to a hospital intensive care unit, not to exceed the

30-daymaximumduringanyoneperiodofconfinement.Ifthememberisconfinedtohospitalintensivecare

unitagainwithin6monthsbecauseofthesameorrelatedcondition,itwillbetreatedasthesameperiodof

confinement. This is paid in addition to the hospital confinement benefit.

$200

Surgical Benefit (per procedure)

The benefit is payable for a surgical procedure as listed in the Schedule of Operations. If an operation is not listed

in the Schedule of Operations, the benefit will pay an amount comparable to that which would be payable for the

operation listed in the Schedule of Operations (the operation that is nearest in severity and complexity). If two or

more surgical procedures are performed at the same time through the same or different incisions, only one benefit,

the largest, will be provided.

Upto$2,000

Anesthesia Benefit (per procedure)

When an insured receives benefits for a surgical procedure covered under the Surgical Benefit, the plan pays the

appropriate benefit amount shown in the Schedule of Operations for anesthesia administered by a physician in

connectionwithsuchprocedure.However,theAnesthesiaBenefitpaidwillnotexceed25percentoftheamount

paid under Surgical Benefit.

Upto$500

Hospital Emergency Room/Physician Benefit (per visit)

PaysamountshownifaninsuredhastreatmentastheresultofacoveredsicknessforPhysician’scharges($50),

laboratoryfees($25),x-rays($50)andinjections/medications($25).Limitedtothecalendaryearmaximumof$250

perinsuredor$1,000perfamily.Nottoexceedamaximumof$50pervisit.

$50

Well Baby Care (per visit)

Paysamountshownforinsuredbaby12monthsofageoryoungerwithnomorethan4visitspercalendar

year.

This benefit is available only with employee and dependent children and family coverages.

$25

Out-of-Hospital Prescription Drug Benefit (per prescription)

Benefitwillbepaidforeachprescriptionfilledforaninsured.Aprescriptiondrugmust(1)beorderedbyadoctor;

(2)bedispensedbyalicensedpharmacist;and(3)bemedicallynecessaryforthecareandtreatmentofthepatient.

Nomorethan5prescriptionspercalendaryearperinsured.

This benefit does not include benefits for:

• Therapeuticdevicesorapplications;

• Experimentaldrugs;

• Drugs,medicinesorinsulinusedbyoradministeredtoaninsuredwhiletheyareconfinedtoahospital,rest

home,extendedcarefacility,convalescenthome,nursinghomeorsimilarinstitution;

• Immunizationagents,biologicalsera,bloodorbloodplasma;or

• Contraceptivematerials,devices,ormedicationsorinfertilitymedication,exceptwhererequiredbylaw.

$10

Hospital Indemnity Insurance (Continued)





12

Why do you need Critical Illness Insurance?

Withheartattacksaffectingmorethan900,000peopleeachyearandstrokesaffectingabout795,000peopleeachyear,* Aflac’s Critical Illness Insurance plan can help with the treatment costs of these illnesses and health events. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills.

Critical Illness Insurance (Policy Series 2800)

How It Works

You enroll in $10,000 benefit

Critical Illness Insurance.

You experiencechest pains and

numbness in the left arm.

You visit the ER. A physician

determines that you have suffered

a heart attack

Aflac group Critical Illness pays a First Occurrence

Benefit of

$10,000

*HeartDiseaseandStrokeStatistics,2017Update,AmericanHeartAssociation.

1Sampleweeklyrateisbasedonguaranteed-issueamountof$10,000andage30-39.

Features• Guaranteed-Issue-Nohealthquestionsormedicalexam;upto$10,000foremployeeandupto$5,000forspouse• Lumpsumbenefitsarepaiddirectlytoyou(unlessotherwiseassigned)followingthediagnosisofeachcovered

Critical Illness

• Eachdependentchildunderage26iscoveredathalfoftheprimaryinsuredamountatnoadditionalcharge

• AnnualHealthScreeningBenefitincluded

• Nodeductibles,copayments,ornetworkrestrictions—youchooseyourownmedicaltreatmentprovider

30 Day Waiting Period:Thisplancontainsa30-day“WaitingPeriod”.ThismeansanobenefitispayableforanyInsured Person who has been diagnosed with a Specified Critical Illness before their coveragehasbeeninforce30daysfromtheEffectiveDateshownintheCertificateSchedule.



$2.29Pre-Existing Conditions: Planwillnotpaybenefitsforanysicknessorphysicalconditionstartingwithin12-monthsofanInsured’sEffectiveDatewhichis caused by or resulting from a Pre-existing Condition.


13

BenefitsPrimary Insured $5,000to$50,000

Spouse - Available for purchase 1$5,000-$25,000(nottoexceed50%ofthe

employee’s amount)

Dependent Child(ren) - No Additional Charge 2 50%oftheprimaryinsured’sbenefitamount

First Occurrence Benefit (30 Day Waiting Period)

Illnesses Covered Under Plan Percentage of Face Amount

Cancer (Internal or Invasive) 100%

Heart Attack (Myocardial Infarction) 100%

Major Organ Transplant 100%

End-Stage Renal Failure 100%

Stroke(ApoplexyorCerebralVascularAccident) 100%

Carcinoma In Situ 3 25%

Coronary Artery Bypass Surgery 3 25%

Additional Occurrence Benefit

If an Insured collects full benefits for a Critical Illness under the plan and later has one of the remaining covered illnesses, then Aflac will pay the full

benefitamountforanyadditionalillness.Thetwodatesofdiagnosismustbeseparatedbyatleast6monthsoratleast6monthstreatmentfreefor

cancer per person and not caused by or contributed to by a Critical Illness for which benefits have been paid.

Re-occurrence Benefit

If an Insured receives full benefit for a covered condition and is later diagnosed with the same condition, Aflac will pay the full benefit again.

Occurrencesmustbeseparatedbyatleast12monthsoratleast12monthsTreatmentFreeforCancer.Cancerthathasspread(metastasized)even

thoughthereisanewtumorwillnotbeconsideredanadditionaloccurrenceunlesstheInsuredhasbeenTreatmentFreeforatleast12months.

Health Screening Benefit 4- $50

AnInsuredmayreceiveamaximumof$50foranyonecoveredscreeningtestpercalendaryear.Aflacwillpaythisbenefitregardlessoftheresults

of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a critical illness. There is no limit to the number of years

theInsuredcanreceivethehealthscreeningbenefit;itwillbepaidaslongasthepolicyremainsinforce.Thisbenefitispayableforthecovered

employee and spouse. This benefit is not paid for Dependent Children. The covered health screening tests include but are not limited to:

• Stresstestonabicycleortreadmill• Fastingbloodglucosetest,bloodtestfortriglyceridesorserum

cholesterol test to determine level of HDL and LDL• Bonemarrowtesting• Breastultrasound• CA15-3(bloodtestforbreastCancer)• CA125(bloodtestforovarianCancer)• CEA(bloodtestforcolonCancer)• Chestx-ray

• Colonoscopy• Flexiblesigmoidoscopy• Hemocultstoolanalysis• Mammography• Papsmear• PSA(bloodtestforprostateCancer)• Serumproteinelectrophoresis(bloodtestformyeloma)• Thermograph

1 The employee may elect to purchase spouse coverage. In order to apply for spouse coverage, the employee must also apply. The spouse amount may notexceed50%oftheemployeeamount,subjecttotheminimumfaceamountof$5,000.Iftheemployeedoesnotmeettheunderwritingrequirementsnecessary to participate in the plan, the spouse can still obtain coverage. The spouse would then become the primary Insured and is limited to face amounts between$5,000and$25,000.

2 Children-only coverage is not available.3 PaymentofthepartialbenefitforCarcinomainSituwillreduceby25%thebenefitforinternalCancer.PaymentofthepartialbenefitforCoronaryArteryBypassSurgerywillreduceby25%thebenefitforaHeartAttack.

4 30daywaitingperiod



Critical Illness Insurance (Continued)



14

The Importance of Accident InsuranceWhat would the financial impact of an injury mean to you? Are you prepared for high medical costs in addition to everyday household expenditures and lost wages? Out-of-pocket expenses associated with an accident are unexpected, but an accident’s impact on your finances and your well-being certainly can be reduced.

It’s Insurance for Daily LivingAfter an accident, you may have expenses you’ve never considered. Can your finances handle them? In addition, your regular bills, mortgage or rent, car payments, and utility bills don’t stop when you’re recuperating from an accident. It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatmentorhospitalization,tofollow-uptreatmentsorphysicaltherapy.

Would Your Family be Financially Prepared in the Event of an Accidental Death or Dismemberment (AD&D)?Included with your plan, AD&D insurance pays you or your beneficiaries a set amount of money if your death or dismemberment is the direct result of an accident. To receive benefits related to an accident, your injuries or death must occur within90daysoftheaccidentdate.

Features• Coverageis24-hour,on-andoff-the-job

• Cashbenefitsarepaiddirectlytoyou(unlessotherwisespecified)

• Benefitsarepayableregardlessofanyotherinsuranceprograms

• CoverageisGuaranteed-Issue,providedtheapplicantiseligibleforcoverage

• Nolimitonthenumberofclaimsaninsuredcanfile

• Benefitsareavailableforspouseand/ordependentchildren

• AccidentalDeath&Dismembermentbenefitsincluded

Accident Insurance (Policy Series 7800)

How It Works

$200Ambulance

$200Emergency Room

Treatment

$2,400Closed-Reduction Leg

Fracture

$100Appliance

$30one Follow-Up

Treatment

$2,930+ + + =

You injure your legin a covered

accident and go to the hospital

via ambulance.

The emergency room doctor diagnoses a fracture and treats

you.

You leave the hospital on

crutches.

The Aflac group Accident Advantage Plus Plan pays you.



$4.36

1Sample weekly rate based on employee only coverage


15

Employeeandspousemustbeatleast18yearsofage,whiledependentchildneedtobeundertheageof26.

Accident Benefits per Covered AccidentFracture (diagnosis and treatment within 90 days)

Closed & Open Reduction Benefits $320-$4,000

Dislocations (diagnosis and treatment within 90 days)

Closed & Open Reduction Benefits $240-$3,000

Lacerations (treatment and repair within 72 hours)

Amount paid based on length of laceration $25-$400

Injuries Requiring Surgery

EyeInjuries,Tendons/Ligaments,RupturedDisc,TornKneeCartilage $50-$600

Burns (treatment within 72 hours; first degree burns not covered)

Second Degree $100-$1,000

Third Degree $1,000-$20,000

Medical Fees (for X-rays or doctors services per accident within 72 hours after the covered accident)

Employee or Spouse $125

Child(ren) $75

Accident Follow-Up Treatment

Up to six treatments per covered accident $30

Physical Therapy

Up to six treatments (one per day) per covered accident $30

Emergency Room Benefits

EmergencyRoomTreatment(treatmentinahospitalemergencyroomwithin72hoursaftertheaccident.) $200

EmergencyRoomObservation(heldinahospitalforobservationforatleast24hours,andreceiveinitial

treatmentwithin72hoursaftertheaccident)

$100

Hospital / Rehabilitation Benefits

Hospital Admission (one per Calendar Year) $1,000

Hospital Confinement (Per Day) $200

HospitalIntensiveCare(PerDay)(30daysperinjury) $400

RehabilitationUnitBenefit(PerDay)(60dayspercalendaryear) $75

Emergency Dental Work (injury to sound, natural teeth) $50-$150

Accidental Death & Dismemberment (within 90 days of accident date)Employee Spouse Children

Accidental Death $50,000 $25,000 $5,000

Accidental Common Carrier Death $100,000 $50,000 $15,000

Single Dismemberment $12,500 $5,000 $2,500

Double Dismemberment $25,000 $10,000 $5,000

Loss of One or More Fingers or Toes $1,250 $500 $250

Partial Amputation of Finger(s) or Toe(s) (including at least one joint) $100 $100 $100

Accident Insurance (Continued)





16

Value Added Services

MeMD TeleMedicine

Health Advocate

Medical Bill Saver

The benefits outlined on the following page are included with your enrollment in an Aflac group Accident, Critical Illness, or Hospital Indemnity plan.

MedicalBillSaverhasrestrictionsfornegotiationsonin-networkdeductiblesandco-insuranceinArizona,Colorado,DistrictofColumbia,Illinois,Indiana,

NewJersey,NewYork,NorthCarolina,Ohio,SouthDakota,Texas,UtahandVermont.ValueAddedServicesarenotavailableinIdaho,Minnesota,orwithplans

issued in New York. State availability may vary.

17

Health Advocacy

24/7accesstoPersonalHealthAdvocateswhostarthelpingfromthefirstcall:

• Finddoctors,dentists,specialists,hospitals,andotherproviders• Scheduleappointments,treatments,andtests• Resolvebenefitsissuesandcoordinatebenefits• Assistwitheldercareissues,Medicare,andmore• Helptransfermedicalrecords,labresults,andX-rays• Workwithinsurancecompaniestoobtainapprovalsandclarifycoverage• Servicesavailableforyourspouse,dependentchildren,parents,andparents-in-law

Medical Bill Saver™

Health Advocate professionals also help you negotiate medical bills not covered by health insurance:

• Professionalscontactproviderstonegotiateadiscountonmedicalanddentalbillsover$400• Professionalsnegotiateagreementswiththeproviderinpaymenttermandconditionsforareductioninout-of-pocket

costs• ProvideaSavingsResultStatementtosummarizetheoutcomeandpaymentterms• Servicesavailableforyourspouse,dependentchildren,parents,andparents-in-law

IfyouhaveAflacGroupAccident,GroupCriticalIllness,orGroupHospitalIndemnitycoverage,youalsohaveaccesstothreeservices that make it easier to access care, reduce out-of-pocket medical expenses, and navigate the healthcare system with greater ease.

• Connectwithhealthprovidersviaphone,app,oronlinewithMeMD

• GetanswersandexperthelpwithHealthAdvocacyfromHealthAdvocate

• LetadvocatesnegotiateyourmedicalbillswithMedicalBillSaverTM, also from Health Advocate

These services are now embedded in your group plan - at no extra charge. Best of all, you can start using them as soon as your Aflac coverage starts.

Value Added Services

TeleMedicine

Connectwithboard-certified,U.S.licensedhealthprovidersonlinefor24/7/365accesstomedicalcare-fast:

• Requestconsultationsviawebcam,app,orphonecallfromtheconvenienceofyourhomeorwhileontheroad• Consultationandtreatmentforarangeofhealthissues,fromallergiesandcoldstoshort-termmedicationrefills• Whenmedicallynecessary,MeMDproviderscansubmitePrescriptionselectronicallyforpurchaseandpick-upat

your local pharmacy• $35pervisitconsultationfee• Serviceavailableforyouandyourfamily



18

Limitations & Exclusions

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HOSPITAL INDEMNITY

PRE-EXISTInG COnDITIOn LIMITATIOnApre-existingconditionmeans,withinthe12-monthperiodpriortotheinsured’seffective date, conditions for which medical advice or treatment was received or recommended.We will not pay benefits for any loss or injury that is caused by, contributed to by, orresultingfromapre-existingconditionfor12monthsaftertheinsured’seffectivedate or for 12months from the datemedical care, treatment, or supplies werereceived for the pre-existing condition—whichever is less.Aclaimforbenefitsforlossstartingafter12monthsfromtheeffectivedateoftheinsured’s certificate will not be reduced or denied on the grounds that it is caused by a pre-existing condition.Pregnancy is considered a pre-existing condition if conception was before the coverage effective date.Treatment means consultation, care, or services provided by a physician. This includes diagnostic measures and taking prescribed drugs and medicines.If the certificate is issued as a replacement for a certificate previously issued under this plan, then the pre-existing condition limitation provision of the new certificate applies only to any increase in benefits over the prior certificate. Any remaining pre-existing condition limitation period of the prior certificate continues to apply to the prior level of benefits.EXCLUSIOnS We will not pay benefits for loss caused by pre-existing conditions (except as stated in the Pre-Existing Condition Limitation provision above).We will not pay benefits for loss contributed to by, caused by, or resulting from:1. War–Participatinginwaroranyactofwar,declaredornot,orparticipatingin

the armed forces of or contracting with any country or international authority. We will return the prorated premium for any period not covered by this certificate when the insured is in such service.

2. Suicide–Committingorattemptingtocommitsuicide,whilesaneorinsane.3. Self–InflictedInjuries–Injuringorattemptingtoinjureyourselfintentionally.4.Traveling–Travelingmorethan40milesoutsidetheterritoriallimitsoftheUnited

States,Canada,Mexico,PuertoRico,theBahamas,VirginIslands,Bermuda,andJamaica.

5. Racing–Ridinginordrivinganymotor–drivenvehicleinarace,stuntshoworspeed test.

6. Aviation – Operating, learning to operate, serving as a crewmember on, orjumping or falling from any aircraft, including those, which are notmotor–driven.

7. Intoxication –Being legally intoxicated, orbeingunder the influenceof anynarcotic, unless such is taken under the direction of a physician.

8. IllegalActs–Participatingorattemptingtoparticipateinanillegalactivity,orworking at an illegal job.

9. Sports–Participatinginanyorganizedsport:professionalorsemi–professional.10.Routinephysicalexamsandrestcures.11.Custodialcare.Thisiscaremeantsimplytohelppeoplewhocannottakecareof

themselves.12.Treatment forbeingoverweight,gastricbypassorstapling, intestinalbypass,

and any related procedures, including complications.13.Servicesperformedbyarelative.14.Services related to sex change, sterilization, in vitro fertilization, reversalof a

vasectomy or tubal ligation.15.Aserviceorasupplyfurnishedbyoronbehalfofanygovernmentagencyunless

paymentofthechargeisrequiredintheabsenceofinsurance.16.Electiveabortion.17. Treatment, services, or supplies received outside the United States and its

possessions or Canada.18.InjuryorsicknesscoveredbyWorker’sCompensation.19.Dentalservicesortreatment.20. Cosmetic surgery, except when due to medically necessary reconstructive

plastic surgery.21.Mentaloremotionaldisorderswithoutdemonstrableorganicdisease.22.Alcoholism,drugaddiction,orchemicaldependency.

Continental American Insurance Company is not aware of whether a Employee will receive benefits from Medicare, Medicaid, or a state variation.

If Employees or their dependent(s) are subject to Medicare, Medicaid, or a state variation, any and all benefits under this plan could be assigned.This means that the Employees may not receive any of the benefits in the plan.As a result, please check the coverage in all health insurance policies a Employee may already have or may have before the Employee buy this insurance to verify the absence of any assignments or liens.

TERMInATIOnSAn Employee’s insurance will terminate on the earliest of:• Thedatetheplanisterminated;• The31stdayafterthepremiumduedate,iftherequiredpremiumhasnotbeenpaid;

• ThedateaninsurednolongermeetsthedefinitionofanEmployeewithanactiveIndependent Employee agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

• ThepremiumduedatewhichfallsonorfirstfollowstheEmployee’s70thbirthday;or

•ThedateaEmployeenolongerbelongstoaneligibleclass.Insurance for an insured spouse or dependent child will terminate the earliest of:•Thedatetheplanisterminated;•Thedatethespouseordependentchildceasestobeadependent;or• Thepremiumduedatefollowingthedatewereceivewrittenrequesttoterminatecoverageforaninsured’sspouseand/oralldependentchildren.

Ifthegroupmasterpolicyand/orcertificateterminates,wewillprovidecoverageforclaims arising from covered accidents or sickness that occurred while the plan was in force.DEFInITIOnSInjuryorInjuries–Accidentalbodilyinjuryorinjuriescausedsolelybyorastheresultof a covered accident.CoveredAccident–Anaccident,whichoccursonoraftertheinsured’seffectivedate,while the insured’s certificate is in force, and which is not specifically excluded.Sickness–Anillness,infection,diseaseoranyotherabnormalcondition,whichisnotcaused solely by or the result of an injury.Covered Sickness – An illness, infection, disease or any other abnormal physicalcondition which is not caused solely by or the result of any injury which:1. Occurswhiletheinsured’scoverageisinforce;and2. Wasnottreatedorforwhichtheinsureddidnotreceiveadvicewithin12months

beforetheinsured’seffectivedate;and3. Isnotexcludedbynameorspecificdescriptionintheplan.CalendarYear–TheperiodbeginningonthepolicyeffectivedateandendingonDecember31ofthesameyear.Thereafter,itistheperiodbeginningonJanuary1andendingonDecember31ofeachfollowingyear.DoctororPhysician–Aperson,otherthantheinsured,oramemberoftheinsured’simmediate family, who:•Islicensedbythestatetopracticeahealingart;•Performsserviceswhichareallowedbyhisorherlicense;and•PerformsservicesforwhichbenefitsareprovidedbythePlan.Hospital–Aplacethat:•Islegallylicensedandoperatedasahospital;•Providesovernightcareofinjuredandsickpeople;•Issupervisedbyadoctor;•Hasfull-timenursessupervisedbyaregisterednurse;• Has on-site or pre-arranged use of X-ray equipment, laboratory and surgicalfacilities;and

•Maintainspermanentmedicalhistoryrecords.A hospital is not:• Anursinghome;•Anextended-carefacility;•Aconvalescenthome;•Aresthomeorahomefortheaged;•Aplaceforalcoholicsordrugaddicts;or•Amentalinstitution.HospitalIntensiveCareUnit–Aplacethat:1. Isaspecificallydesignatedareaofthehospitalcalledanintensivecareunitthat

provides the highest level of medical care and is restricted to patients who are critically ill or injuredandwho require intensive comprehensiveobservationandcare;

2. Isseparateandapartfromthesurgicalrecoveryroomandfromrooms,bedsandwardscustomarilyusedforpatientconfinement;

3. Ispermanentlyequippedwithspeciallifesavingequipmentforthecareofthecriticallyillorinjured;

4. Isunderconstantandcontinuousobservationbya specially trainednursingstaffassignedexclusivelytotheintensivecareunitonatwentyfourhourbasis;and

5. Hasadoctorassignedtotheintensivecareunitonafull-timebasis.A hospital intensive care unit is not any of the following step-down units:1. Aprogressivecareunit;

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2. Asub-acuteintensivecareunit;3. Anintermediatecareunit;4. Aprivatemonitoredroom;5. Asurgicalrecoveryroom;6. Anobservationunit;or7. Anyfacilitynotmeetingthedefinitionofahospitalintensivecareunitasdefined

in the plan.DependentChildren–AnEmployee’snaturalchild(ren),stepchildren,fosterchildren,legallyadoptedchild(ren)orchild(ren)placedforadoption,whoareunderage26.An Employee’s natural children will be covered from the moment of live birth provided the birth was after the effective date of the Dependent Children Benefit Rider.NonoticeoradditionalpremiumisrequirediftheDependentChildrenBenefitRider is already in force. Newborn children are not covered from the time of birth unless Dependent Children Benefit Rider coverage is already in force and effective prior to birth.Coverageondependentchildrenwillterminateonthechild’s26thbirthday.However,if any child is incapable of self-sustaining employment due to mental retardation or physical handicap and is dependent on his parent(s) for support, the above age of twenty-six26provisionshallnotapply.Proofof such incapacityanddependencymustbefurnishedtotheCompanywithin31daysfollowingsuch26thbirthday.Spouse–AnEmployee’slegalspousewhoisbetweentheagesof18–64andwhoisnamed on the enrollment application.Treatment – Consultation, care or services provided by a physician includingdiagnostic measures and taking prescribed drugs and medicines.

CRITICAL ILLNESS

LIMITATIOnS AnD EXCLUSIOnSThisCertificatecontainsa30-day“WaitingPeriod”.Thismeansanobenefitispayablefor any Insured Person who has been diagnosed with a Specified Critical Illness beforetheircoveragehasbeen in force30days fromtheEffectiveDateshowninthe Certificate Schedule. If an Insured is first diagnosed during the “Waiting Period”, benefits for treatment of that Critical Illness will apply only to loss commencing after 12monthsfromtheirEffectiveDate;or,attheEmployee’soption,theymayelecttovoid the Certificate from the beginning and receive a full refund of premium.The date of diagnosis of a Critical Illness must be separated from the date of diagnosis ofasubsequentdifferentCritical Illnessbyat least6months,orat least6monthsTreatment Free for Cancer. The date of diagnosis of a Critical Illness must be separated fromthedateofdiagnosisofasubsequentsameCriticalIllnessbyatleast12months,oratleast12monthsTreatmentFreeforCancer.Cancerthathasspread(metastasized)even though there is a new tumor will not be considered an additional occurrence unlesstheInsuredhasbeenTreatmentFreeforatleast12months.The applicable benefit amount will be paid if the date of diagnosis occurs after the WaitingPeriod,thedateofdiagnosisoccurswhiletheInsured’scoverageisinforce;and the cause of the illness is not excluded by name or specific description.Benefits will not be paid for loss due to:1.Intentionallyself-inflictedinjuryoraction;2.Suicideorattemptedsuicidewhilesaneorinsane;3.Illegalactivitiesorparticipationinanillegaloccupation;4.War,whether declared or undeclared ormilitary conflicts, participation in an

insurrectionorriot,orcivilcommotion;5.Substanceabuse;6.Pre-ExistingConditions.

No benefits will be paid for diagnosis made or Treatment received outside the United States.

PRE-EXISTInG COnDITIOn LIMITATIOn“Pre-existing Condition” means a sickness or physical condition which, within the 12-monthperiodpriortotheEffectiveDateofthecertificateresultedinanInsuredPerson’s receiving medical advice or Treatment.We will not pay benefits for any sickness or physical condition starting within 12-months of an Insured’s Effective Datewhich is caused by or resulting from aPreexisting Condition.Aclaimforbenefitsforlossstartingafter12-monthsfromanInsured’sEffectiveDatewill not be reduced or denied on the grounds that it is caused by a Pre-existing Condition.Aconditionwillnolongerbeconsideredpreexistingattheendof12consecutivemonths starting and ending after an Insured’s Effective Date.

DEFInITIOnSCancermeans amalignant tumor characterized by the uncontrolled growth and

spread of malignant cells and the invasion of distant tissue. Cancer includes Leukemia. Excluded are Cancers that are non-invasive such as:1.Pre-malignanttumorsorpolyps;2.CarcinomainSitu;3.AnyskinCancersexceptmelanomas;4.Basalcellcarcinomaandsquamouscellcarcinomaoftheskin;and5.MelanomathatisdiagnosedasClark’sLevelIorIIorBreslowlessthan.77mm.

Cancer is also defined as disease which meets the diagnosis criteria of malignancy established by The American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue or specimen.Carcinoma in Situ means Cancer that is in the natural or normal place, confined to the site of origin without having invaded neighboring tissue.Cancerand/orCarcinomainSitumustbediagnosedinoneoftwoways:1. Pathological Diagnosis - A Pathological Diagnosis of Cancer or Carcinoma inSitu is based on a microscopic study of fixed tissue or preparations from the hemic (blood) system. This type of diagnosis must be done by a Certified Pathologist whose diagnosis of malignancy is in keeping with the standards set up by the American Board of Pathology.2.ClinicalDiagnosis-AClinicalDiagnosisofCancerorCarcinomainSituisbasedonthe study of symptoms.We will pay benefits for a Clinical Diagnosis only if:1.APathologicalDiagnosiscannotbemadebecauseitismedicallyinappropriate

orlife-threatening;and2.Thereismedicalevidencetosupportthediagnosis;and3.AdoctoristreatinganInsuredforCancerand/orCarcinomainSitu.

Heart Attack (Myocardial Infarction) means the death of a portion of the heart muscle (myocardium) resulting from a blockage of one or more coronary arteries. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac Arrest not caused by a Myocardial Infarction is not a Heart Attack. The diagnosis must include all of the following criteria:1.NewandserialElectrocardiographic(EKG)findingsconsistentwithMyocardial

Infarction;2. Elevation of cardiac enzymes above generally accepted laboratory levels of

normalincaseofcreatinephysphokinase(CPK),aCPK-MBmeasurementmustbeused;and

3. Confirmatory imaging studies such as thallium scans,MUGA scans, or stressechocardiograms.

Stroke means apoplexy (due to rupture or acute occlusion of a cerebral artery), or a cerebral vascular accident or incident, which began on or after an Insured’s Effective Date. Stroke does not include Transient Ischemic Attacks and attacks of VerterbrobasilarIschemia.WewillpayabenefitforStrokewhichproducespermanentclinicalneurologicalsequelafollowinganinitialdiagnosismadeafteranyapplicableWaiting Period. We must receive evidence of the permanent neurological damage provided from Computed Axial Tomography (CAT scan) or magnetic Resonance Imaging (MRI). Stroke does not mean head injury, transient ischemic attack or chronic cerebrovascular insufficiency.Renal Failure (Kidney Failure) means the end stage Renal Failure presenting aschronic, irreversible failure of both of your kidneys to function. The kidney failure must necessitate regular renal dialysis, hemo-dialysis or peritoneal dialysis (at least weekly);orwhichresultsinkidneytransplantation.RenalFailureiscovered,providedit is not caused by a traumatic event, including surgical traumas.Coronary Artery Bypass Surgery – undergoing open heart surgery to correctnarrowing or blockage of one or more coronary arteries with bypass grafts, but excluding procedures such as, but not limited to balloon angioplasty, laser relief, stints or other non-surgical procedures.Major Organ Transplant – Having a Major Organ Transplant means undergoingsurgery as a recipient of a transplant of a human heart, lung, liver, kidney, or pancreas.InsuredPerson(s)–1. If Employee coverage is shown in the Certificate Schedule, we insure the

Employee.2. IfcoverageisfortheSpouseofaneligibleEmployee,weinsuretheInsuredas

shown on the Certificate Schedule.3. Coverage for Dependent Children may be included in an attached rider (if

applicable).4. IfanypersonwhowouldotherwisebeanInsuredisspecificallyexcludedfrom

coverage by endorsement to the Certificate or by the application, then such person shall not be an Insured.

5. AnyotheradditionstotheInsuredclassmustbeaddedbyendorsementafterapplying to the Company.

Successor Insured - If the Insured dies while covered under this plan, then the surviving spouse shall become the Insured if such spouse is an Insured Person. If there is no surviving spouse covered under this plan, then this plan shall terminate on the next premium due date. DependentChildren–means yournatural children, step-children, foster children,

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legallyadoptedchildrenorchildrenplacedforadoption,whoareunderage26.Your natural Children born after the Effective Date of this Rider will be covered from themomentoflivebirth.Nonoticeoradditionalpremiumisrequired.Coverage on a Dependent Child(ren) will terminate on the child’s 26th birthday.However, if any child is incapable of self-sustaining employment due to mental retardation or physical handicap and is dependent on his parent(s) for support, the aboveageoftwenty-six(26)shallnotapply.ProofofsuchincapacityanddependencymustbefurnishedtotheCompanywithinthirty-one(31)daysfollowingsuch26thbirthday.Date of Diagnosis - The date of diagnosis is:1. For Cancer andor/or Carcinoma in Situ:Theday the tissue specimen, blood

samplesand/ortiter(s)aretakenonwhichthediagnosisofcancerorcarcinomain situ is based. This includes recurrence of a previously diagnosed cancer provided the insured is free of any signs or symptoms and is treatment free for thatcancerfor12consecutivemonths.

2. ForHeartAttack:Thedatethatthedeath(infarction)ofaportionoftheheartmuscle occurred based on the criteria listed under the Heart Attack definition.

3. For Stroke: The date a Stroke occurred based on documented neurologicaldeficits and neuro-imaging studies.

4. ForendstageRenalFailure:Thedatethatyourdoctororphysicianrecommendsthat you begin renal dialysis.

5. ForMajorOrganTransplantsurgeryorCoronaryArteryBypassSurgery:Thedatethe surgery occurs for covered transplants or covered Coronary Artery Bypass Surgery.

Treatment means consultation, care or services provided by a physician including diagnostic measures and taking prescribed drugs and medicines.Treatment Free means a period of time without the consultation, care or services provided by a physician including diagnostic measures and taking prescribed drugs and medicines. For the purpose of this definition “treatment” does not include maintenance drug therapy or routine follow-up visits to verify if cancer or carcinoma in situ has returned.Waiting Period means the number of days after the Effective Date before we will pay benefits for loss due to a Critical Illness. We won’t pay benefits for a Critical Illness that begins during the Waiting Period.Maintenance Drug Therapy means ongoing hormonal therapy, immunotherapy or chemo-prevention therapy that may be given following the full remission of a cancer due to primary treatment. It is meant to decrease the risk of cancer recurrence rather than the palliative or suppression of a cancer that is still present.Symptoms mean the subjective evidence of disease or physical disturbance.Signs mean the subjective evidence of disease or physical disturbance observed by a physician or other member of the medical profession, acting within the scope of their license.

ACCIDENT

LIMITATIOnS AnD EXCLUSIOnSWe will not pay benefits for injury, total disability, or death contributed to, caused by, or resulting from:• War–participatinginwaroranyactofwar,declaredornot;participatinginthe

armed forces of, or contracting with, any country or international authority. We will return the prorated premium for any period not covered by this certificate when you are in such service.

•Suicide–committingorattemptingtocommitsuicide,whilesaneorinsane.• Sickness–havinganydiseaseorbodily/mentalillnessordegenerativeprocess.Wealsowillnotpaybenefitsforanyrelatedmedical/surgicaltreatmentordiagnosticprocedures for such illness.

•Self-InflictedInjuries–injuringorattemptingtoinjureyourselfintentionally.•Racing– riding inordrivinganymotor-drivenvehicle ina race, stunt show,or

speed test.• Intoxication – being legally intoxicated, or being under the influence of any

narcotic, unless taken under the direction of a Doctor. Legally intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred.)

• IllegalActs – participatingor attempting toparticipate in an illegal activity, orworking at an illegal job.

•Sports–participatinginanyorganizedsport–professionalorsemi-professional.•CosmeticSurgery–havingcosmeticsurgeryorotherelectiveproceduresthatare

not medically necessary or having dental Treatment except as a result of a covered accident.

TERMInATIOnSAn Employee’s coverage will terminate on whichever occurs first:• Thedatethemasterpolicyisterminated.•The31stdayafterthepremiumduedate,ifthepremiumhasnotbeenpaid.•ThedateaninsurednolongermeetsthedefinitionofanEmployeewithanactive

Independent Employee agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

•Thedateaninsurednolongerbelongstoaneligibleclass.Ifthemasterpolicyand/orcertificateterminates,wewillprovidecoverageforclaimsarising from covered accidents that occurred while the plan was in force.

DEFInITIOnSAccidental Injury or Injuries means bodily injury or injuries resulting from an unforeseen and unexpected traumatic event that meets the definition of covered accident.CalendarYearisdefinedasJanuary1throughDecember31ofthesameyear.Covered Accident means an unforeseen and unexpected traumatic event resulting in bodilyInjury.Aneventmeetsthequalificationsofcoveredaccidentifit:• OccursonorafterthePlan’sEffectiveDate,•Occurswhilecoverageisinforce,and•Isnotspecificallyexcluded.

Dependent Children are your or your spouse’s natural children, step-children, legally adoptedchildren,orchildrenplacedforadoptionwhoareyoungerthanage26.However, there isanexception to theage-26 limit listedabove.This limitwillnotapply to any child who is incapable of self-sustaining employment due to mental or physical handicap and is dependent on a parent for support. You or your spouse mustfurnishproofofthisincapacityanddependencytotheCompanywithin31daysfollowingthechild’s26thbirthday.Doctor is defined as a person who is:• Legallyqualifiedtopracticemedicine,•Licensedasaphysicianbythestatewheretreatmentisreceived,and•Licensedtotreatthetypeofconditionforwhichaclaimismade.

A doctor does not include you or your family member.Family member (as referenced under the definition of Doctor and the Family Lodging Benefit) includes the Employee’s spouse, who is defined as a Employee’s legal wife or husband, as well as the following members of the insured’s immediate family:• Son.• Daughter.• Mother.• Father.• Sister.• Brother.

This includes step-family members and family-members-in-law.Hospital refers to a place that:• Islegallylicensedandoperatedasahospital;•Providesovernightcareofinjuredandsickpeople;•Issupervisedbyadoctor;•Hasfull-timenursessupervisedbyaregisterednurse;• Has on-site or pre-arranged use of x-ray equipment, laboratory, and surgicalfacilities;and

•Maintainspermanentmedicalhistoryrecords.A hospital is not:• Anursinghome;•Anextended-carefacility;•Aconvalescenthome;•Aresthomeorahomefortheaged;•Aplaceforalcoholicsordrugaddicts;or•Amentalinstitution.

Hospital Intensive Care Unit refers to a specifically designed hospital facility that provides the highest level of medical care and is restricted to patients who are critically ill or injured, Hospital intensive care units must be:• Separateandapartfromthesurgicalrecoveryroom;• Separate and apart from rooms, beds, andwards customarily used for patientconfinement;

•Permanentlyequippedwithspeciallife-savingequipmenttocareforthecriticallyillorinjured;and

• Under constant and continuous observation by nursing staffs assigned to theintensive care units on an exclusive, full-time basis.

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Psychiatristisadoctorofmedicinewhospecializesinthediagnosisandtreatmentofmental disorders.Psychologist is a clinical mental health professional who works with patients and is not a doctor of medicine who typically provides medical interventions and drug therapies, but provides analysis and counseling.Rehabilitation Unit is a unit of a hospital providing coordinated multidisciplinary physical restorative services. These services must be provided to inpatients under a doctor’s direction. The doctor must be knowledgeable and experienced in rehabilitative medicine. Beds must be set up and staffed in a unit specifically designated for this service.Spouseisthelegalwifeorhusbandwhoisatleastage18andwhoisnamedontheenrollment application.Treatment or Medical Treatment is the consultation, care, or services provided by a doctor. This includes receiving any diagnostic measures and taking prescribed drugs and medicines.

DISABILITY

We will pay all applicable benefits if the covered Employee’s disability is caused by a covered sickness or covered injury and if it occurs while this coverage is in force.All benefits are subject to the limitations and exclusions, pre-existing condition limitations, and other plan terms.Benefits will be paid for only one disability at a time, even if the disability is caused by more than one sickness, more than one injury, or a sickness and an injury. We reserve the right to meet with the covered Employee while a claim is pending, or to use an independent consultant and doctor’s statement to determine whether the covered Employeeisqualifiedtoreceivedisabilitybenefits.The covered Employee must be under the care and attendance of a doctor for these benefits to be payable. Benefits will cease on the date of the covered Employee’s death.

LIMITATIOnS AnD EXCLUSIOnSA. We will not pay benefits whenever coverage provided by this plan is in violation

of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.

B. We will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.

C. We will not pay benefits for disability that is caused by or occurs as a result of:1. Any act of war, declared or undeclared; insurrection; rebellion; or act of

participation in a riot.2.Activelyservinginanyofthearmedforces,orunitsauxiliarythereto,including

theNationalGuardorReserve.3.Anintentionallyself-inflictedinjury.4.AcommissionofacrimeforwhichtheEmployeehasbeenconvicted;wewill

not pay a benefit for any period of disability during which the Employee is incarcerated.

5.Travel in,or jumpingordescentfromanyaircraft,exceptwhenafare-payingpassenger in a licensed passenger aircraft.

6.Havingcosmeticsurgeryorotherelectiveprocedures thatarenotMedicallyNecessary.

7.Mentalillnessasdefined.8.Alcoholismordrugaddiction.

For off-job coverage, the following limitations and exclusions will apply:9.Aninjurythatarisesfromanyemployment.10.InjuryorsicknessthatiscoveredbyWorker’sCompensation.

PRE-EXISTInG COnDITIOnS LIMITATIOnPre-existing Condition is an illness, disease, infection, disorder, pregnancy, or injury thatexistedwithinthe12-monthperiodbeforetheeffectivedateofcoverage.For a condition to have been pre-existing:• Adoctormusthaveadvised,diagnosed,ortreatedthecoveredEmployee,or• Symptomsexistedthatwouldordinarilycauseaprudentpersontoseekmedical

advice or treatment.We will not pay benefits for any disability resulting from or affected by a pre-existing condition if the disability was diagnosed within the 12-month period after theeffective date of coverage.We will not reduce or deny a claim for benefits for any disability due to a pre-existing condition that was diagnosed more than 12 months after the effective date ofcoverage.Pregnancy Limitation

Within the first nine months of the effective date of coverage, we will not pay benefits for a disability that is caused by, or occurs as a result of, pregnancy or childbirth. Disability due to complications of pregnancy will be covered to the same extent as a covered sickness.After this coverage has been in force for nine months from the effective date of coverage, disability benefits for childbirth will be payable. The maximum period of disability allowed for disability due to childbirth is six weeks for non-cesarean delivery and eight weeks for cesarean delivery, less the elimination period, unless proof is furnished that disability continues beyond these time frames due to complications of pregnancy.

SEPARATE PERIODS OF DISABILITySame or Related ConditionsSeparate periods of disability resulting from the same condition or a related condition areconsideredacontinuationofthepriordisabilityiftheyarenotseparatedby180days or more.Once the maximum Disability Benefit has been paid, the covered Employee will not beeligibleforanewDisabilityBenefitduetothesameorarelatedconditionfor180days after all the following conditions are met:• TheEmployeehasbeenreleasedbyadoctorfromthepriordisability.•TheEmployeeisnolongerdisabled.•TheEmployeeisnolongerqualifiedtoreceiveanydisabilitybenefitsunderthe

certificate.After the disability benefit period, the Employee may continue coverage if all of the following conditions are met:• TheEmployeereturnstoworkwithin90daysafterthebenefitperiodends.•Premiumpaymentsforthecoverageresumeuponreturntowork.•Thegroupmasterpolicyisstillinforceuponreturntowork.

Unrelated CausesSeparate periods of disability resulting from unrelated causes are considered a continuation of the prior disability if they are not separated by the covered Employee returning to work at a full-time job for 30 consecutive days, during which theEmployee is performing the material and substantial duties of that job.Once the maximum Disability Benefit has been paid, the Employee will not be eligible foranewBenefitfordisabilityduetoanunrelatedcause,until30consecutivedaysafter all the following conditions are met:• TheEmployeehasbeenreleasedbyadoctorfromapriordisability.•TheEmployeeisnolongerqualifiedtoreceiveanydisabilitybenefitsunderthis

certificate.After the disability benefit period, the Employee may continue coverage if all of the following conditions are met:• TheEmployeereturnstoworkwithin90daysafterthebenefitperiodends.•Premiumpaymentsforthecoverageresumeuponreturntowork.•ThegroupPolicyisstillinforceuponreturntowork.PeriodsofdisabilitymeetingeitheroftheseseparationrequirementswillbeginanewDisability Benefit Period, subject to a new elimination period.

TERMInATIOn OF A EMPLOyEE’S InSURAnCEA covered Employee’s insurance will terminate on whichever occurs first:• Thedatetheplanisterminated.•The31stdayafterthepremiumduedate,ifthepremiumhasnotbeenpaid.•ThedateaninsurednolongermeetsthedefinitionofaEmployeewithanactive

Independent Employee agreement with an approved Motor Carrier that appears in the Master Application’s Schedule A, unless the insured takes advantage of the portability privilege.

•ThedatetheEmployeenolongerbelongstoaneligibleclass.•TheEmployeeattainingage75.

If the covered Employee’s coverage ends, we will provide coverage for claims that arise from short-term disability that was first diagnosed while your coverage was in force. DEFINITIONSActively at Work refers to a covered Employee’s ability to perform his regular duties for a full normal workday. The covered Employee may perform these activities either at his regular place of business or at a location where the covered Employee may be requiredtotraveltoperformhisregularduties.Base Annual Pay is the covered Employee’s annual income from his full-time job with the policyholder. This pay excludes overtime pay, bonuses, or any other special pay.Benefit Period is the maximum number of days after the elimination period, if any, for which the covered Employee can be paid benefits for any period of disability. Each new benefit period is subject to a new elimination period.Forthepurposesofthiscalculation,a“month”isdefinedas30daysforwhichbenefitsare paid.Complications of Pregnancy refers to:

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• Conditions requiringmedical treatment that comes before or comes after thetermination of a pregnancy. The diagnoses for this medical treatment must be distinct from pregnancy but either adversely affected by pregnancy or caused by pregnancy. For a condition to be a complication of pregnancy, it must constitute a classifiably distinct pregnancy complication. Examples of such complications of pregnancy are:

o Acute nephritis,o Nephrosis,o Cardiac decompensation,o Missed abortion,o Disease of the vascular, hemopoietic, nervous, or endocrine systems, ando Similar medical and surgical conditions of comparable severity.

• Furthercomplicationsofpregnancyinclude:oHyperemesisgravidarumandpre-eclampsiarequiringhospitalconfinement,o Ectopic pregnancy that is terminated, ando Spontaneous termination of pregnancy that occurs during a period of

gestation in which a viable birth is not possible.Complications of pregnancy do not include:• Multiplegestationpregnancy.•Falselabor.•Occasionalspotting.•Morningsickness.

Other similar conditions associated with a difficult pregnancy are not considered complications of pregnancy.Cesarean deliveries are not considered complications of pregnancy. Disability• TotalDisability refers to theEmployeebeingunder the careandattendanceof

a doctor due to a condition that causes his inability to perform the material and substantialdutiesofhis full-time jobwith theirMotorCarrier.Toqualifyas totaldisability, the Employee may not be working at any job.

•PartialDisabilityreferstotheEmployee’sbeingunderthecareandattendanceofa doctor due to a condition that causes his inability to perform the material and substantialdutiesofhisfull-timejob.Toqualifyaspartialdisability,theEmployeeisabletoworkatanyjobearninglessthan80percentofthebaseannualpayofhisfull-time job at the time he became disabled.

Doctor is defined as a person who meets all the following criteria:•Apersonwhoislegallyqualifiedtopracticemedicine,• Apersonwhoislicensedasaphysicianbythestatewheretreatmentisreceived,

and•Apersonwhoislicensedtotreatthetypeofconditionforwhichaclaimismade

A doctor does not include the Employee or the Employee’s family member.Elimination Period is the number of continuous days at the beginning of the Employee’s period of disability for which no benefits are payable. Each new benefit period is subject to a new elimination period.EmployeeisapersonwhomeetseligibilityrequirementssetbytheMasterApplicationand who is covered under this plan. Employee means the eligible person whose coverage under the certificate becomes effective. The Employee is named on his certificate schedule. The Employee is always the covered eligible Employee under the group master policy.Family Member includes anyone related to the Employee in the following manner: spouse,brothersorsisters(includesstepbrothersandstepsisters);children(includesstepchildren);parents(includesstepparents);grandchildren,father-ormother-in-law;and spouses, as applicable.Full-Time Job refers to a job at which the Employee works, performing his occupational dutiesforpayorbenefits,fortherequirednumberofhoursperweek.Injury refers to an off-the-job or on-the-job bodily injury not otherwise excluded. An injury meets all the following criteria:•Itisdirectlycausedbyacoveredaccident.•Itisnotcausedbysickness,disease,bodilyinfirmity,oranyothercause.•Itoccursonoraftertheeffectivedateofcoverageandwhilecoverageisinforce.

Medically Necessary refers to treatment, services, or supplies that are necessary and appropriate for the diagnosis or treatment of a sickness or an injury based upon generally accepted medical practice.Mental Illness is defined as a total disability resulting from psychiatric or psychological conditions, regardless of cause. Mental Illness includes but is not limited to the following: bipolar affective disorder (manic-depressive syndrome), delusional (paranoid) disorders, psychotic disorders, somatoform disorders (psychosomatic illness), eating disorders, schizophrenia, anxiety disorders, depression, stress, post-partum depression, personality disorders and adjustment disorders. It also includes any other condition usually treated by a doctor, mental health provider, or other qualifiedproviderusingpsychotherapy,psychotropicdrugsorothersimilarmodalitiesused in the treatment of the above conditions.Off-the-Job Injury means an Injury that occurs while the Employee is not working at

any job for pay or benefits.On-the-Job Injury means an Injury that occurs while the Employee is working at any job for pay or benefits.Period of Disability means the length of time the Employee is either totally disabled or partially disabled from one or more causes. It starts the first full day of total disability or partial disability after the Employee ceases to be actively at work for the policyholder. It ends on the earlier of the following two dates:•ThedatetheEmployeeceasestobetotallydisabledorpartiallydisabled,or•ThedatetheEmployeereturnstoanactivelyatworkstatusforanyapprovedMotor

Carrier.Sickness refers to a covered illness, disease, infection, or any other abnormal physical condition. Sickness must meet all the following criteria:•Itmustnotbecausedbyaninjury.•Itfirstmanifestedandwasfirsttreatedaftertheeffectivedateofcoverage.•Itoccurswhilecoverageisinforce.

Treatment or Medical Treatment is the consultation, care, or services provided by a doctor. This includes receiving any diagnostic measures and taking prescribed drugs and medicines.

TERM LIFE

BEnEFIT COnDITIOnS, LIMITATIOnS, AnD EXCLUSIOnS •Ifacoveredperson,whethersaneorinsane,diesbysuicidewithintwoyearsofthe

date of certificate, our liability for death proceeds is limited to the premiums paid.•Iftheageofacoveredpersonhasbeenmisstated,andiftheamountofpremium

is based on age, an adjustment of premiums will be made based on the covered person’s true age.

• Ifage isa factor indeterminingeligibilityoramountof insuranceandtherehasbeen a misstatement of age, the insurance coverages, benefit amounts (or both) for which the covered person is insured will be adjusted in accordance with the covered person’s true age. Any such misstatement of age shall neither continue insurance otherwise validly terminated nor terminate insurance otherwise validly in force.

•Ifitisdeterminedafterthedeathofacoveredpersonthatthecoveredperson’sagewas misstated, the amount of insurance will be that which the premiums would have purchased at the correct age.

•Ifthepolicyholderfailstoreportanyemployee’sterminationofcoveragewhilethegroup’s master policy remains in effect, our liability will be limited to a return of premium retroactive to the date on which insurance should have been terminated, less any claims paid during this period. In no event will we refund more than two months premium.

•Wemustreceiveproofoflosswithin90daysafteralossoccursorstarts.• Any change in beneficiarymust bemade to us in writing. The changewill be

effective as of the date signed.

LIMITATIOnS AnD EXCLUSIOnS - ACCIDEnTAL DEATH, LOSS OF SIGHT AnD DISMEMBERMEnT BASIC BEnEFIT AnD RIDER, TOTAL DISABILITy WAIvER OF PREMIUM, AnD OPTIOnAL QUALITy OF LIFE ACCELERATIOn BEnEFITNo Accidental Death, Loss of Sight and Dismemberment Benefits or Total Disability Waiver of Premium Benefits are payable or available when the death or loss:• Wascauseddirectlyorindirectly,whollyorpartly,fromsuicideorattemptedsuicide,whethersaneorinsane,oranyintentionallyself-inflictedInjury;or

• Resulted fromoroccurredwhilecommittinganassaultor felony,or resistingorfleeingfromarrest; or

• Resultedfromoroccurredwhileparticipatinginariotorinsurrection;or• Was causedby voluntarily taking, absorbing, or inhalingpoison, poisongas, orfumes;or

• Was intentionally inflicted by any person (If the covered person is an innocentbystanderhavingnorelationshiptoanaltercation,itiscovered.);or

• Wasincurredduringtravel,flight,ordescentfromanykindofaircraft,unlessthecovered person was being transported as a fare-paying passenger on a regularly scheduled flight (This exclusion does not apply to airline employees flying while working,travelingforpleasure,ortravelingtoandfromajobassignment.);or

• Wascausedbydisease,illness,orbacterialinfection(iftheinfectionoccursbecauseof an injury, it is covered).

In addition to the exclusions listed above, the following limitations also apply to the Accidental Death, Loss of Sight and Dismemberment Basic Benefit and Rider:• Thelossmustoccurwithin180daysaftertheaccidentalinjury.• Thisbenefitterminatesforthecoveredpersonwhenthisbenefitispaid.• Substanceabuse*(Thisdoesnotexcludealossbroughtaboutbytheuseofdrugs

prescribedbyandusedasdirectedbyaphysician.);• Waroractofwar,whetherdeclaredorundeclared*;• Service in thearmedforcesofanycountryororganizationor inunitsauxiliarythereto*;

• Intoxication*;or• Racing a self-propelled vehicle on a racetrack, on apublic road, or at another

place*.If two or more accidents cause losses covered by this benefit, we will not pay more than100%oftheAccidentalDeathBenefitshownonthecertificatescheduleforallsuch losses combined. This does not apply to the Seat Belt Benefit*.* These exclusions apply to the Accidental Death, Loss of Sight and Dismemberment Benefit Rider only.

In addition to the exclusions listed above, the following limitations and exclusions will also apply to the Total Disability Waiver of Premium and Optional Quality of Life Acceleration Benefit:Premiums will not be waived if total disability:• Results from neurosis, psychoneurosis, psychopathy, psychosis, ormental and

emotional disease or disorder without demonstrable organic cause (This exclusion willnotapplytoAlzheimer’sdisease,Parkinson’sdisease,orseniledementia.).

• Resultsfromsubstanceabuse(Thisexclusionwillnotapplytoaconditionbroughtabout by the employee’s use of drugs prescribed by and taken in accordance with the directions of a physician).

In addition to the exclusions listed above, the following limitations and exclusions will also apply to the Total Disability Waiver of Premium:

Premiums are only waived in the event of a total disability suffered by the named employee shown on the certificate schedule.

Theemployee’scoveragewillnotcontinuebeyondtheemployee’sattainedageof65.

Anylossduetoapre-existingconditionwillnotbecoveredifthelossbeginswith12months after the covered person’s effective date of insurance. However, premiums may be waived for a loss due to a pre-existing condition of a covered person who was covered by a replaced plan and by this plan on its original effective date. If this plan’s Pre-Existing Condition Exclusion has been satisfied, we will waive premiums. If the employee does not satisfy this plan’s Pre-Existing Condition Exclusion, but can satisfy the replaced plan’s Pre-Existing Condition Exclusion, then we will waive premiums. If the employee does not satisfy the Pre-Existing Condition Exclusion of this plan or that of the replaced plan, premiums will not be waived.

In addition to the exclusions listed above, the following limitations and exclusions will also apply to the Accelerated Benefit for Terminal Illness and Optional Quality of Life Acceleration Benefit:

If two or more Accelerated Benefits for Terminal Illness are payable on behalf of the same covered person under the plan for the same or related sickness, injury, or other loss, we will pay only one Accelerated Benefit for Terminal Illness. The covered person is entitled to choose the Accelerated Benefit for Terminal Illness.

The sum of all Accelerated Benefits for Terminal Illness payable under the plan—and its optional benefits and riders—will not exceed the amount of life insurance shown on the covered person’s Certificate Schedule.LIMITATIOnS AnD EXCLUSIOnS – ACCELERATED BEnEFIT FOR TERMInAL ILLnESS• Wemustreceiveconsentofallirrevocablebeneficiaries.• Wemustreceiveaclaimformforthisbenefitduringthelifetimeoftheterminally

ill covered person.• OnlyoneAcceleratedBenefitforTerminalIllnessforeachterminalillnessshallbe

paid on behalf of the covered person per lifetime.• Aphysicianmustdiagnoseacoveredterminalillness.• Wewillnotbeliableforanypaymentmadeoractiontakenbeforewereceiveand

acknowledge notice of the death of the terminally ill covered person.• Theemployeeshouldseekassistancefromapersonaltaxadvisorbeforemakinga

claim for the Accelerated Benefit for Terminal Illness to determine any tax impact.The Accidental Death, Loss of Sight and Dismemberment Benefit provided by the plan will not increase or decrease the Accelerated Benefit for Terminal Illness.

LIMITATIOnS AnD EXCLUSIOnS – OPTIOnAL QUALITy OF LIFE ACCELERATIOn BEnEFITChildren are not eligible to be insured under the rider. We must receive consent of all irrevocable beneficiaries. Only those long term care services specifically listed and defined in the rider are covered. No Accelerated Benefit is payable under the rider if

Chronic Illness:

• Resultsfromthecoveredperson’soccupation;or• Results from sickness or injury covered under anyWorker’s Compensation oroccupationaldiseaselaw;or

No Accelerated Benefit is payable under the rider for:

• Servicesforcareortreatmentprovidedbyarelative;or• Servicesforcareortreatmentprovidedinagovernmentfacility(unlessotherwiserequiredbylaw);or

• Shopping,housekeepingortransportationservices;or• ServicesforcareortreatmentincurredoutsidetheUnitedStatesanditsterritoriesorCanada;or

• Services or items covered byTitle XVIII of the Social Security Act orMedicaredeductibles and coinsurance amounts. The indemnity benefits are payable, regardless of what Medicare pays, or do not pay.

All certificate provisions apply to the rider, unless inconsistent with or changed by the rider. The incontestability provision of the certificate applies to the rider from the rider issue date.

DENTAL

EXCLUSIOnS

1. Any procedure not shown on the schedule of dental procedures.2. Servicesthatarenotrecommendedbyadentistorthatarenotrequiredforthe

preservation or restoration of oral health.3. Repairs to dental work within six months of the initial work.4. Replacement prosthetics within five years of last placement.5. Treatment involving crowns for a given tooth within five years of last placement,

regardless of the type of crown.6. Replacement for inlays or onlays for a given tooth within five years of last

placement.7. Treatment received while outside the territorial limits of the United States.8. Treatment received prior to an insured’s effective date of coverage or treatment

received during a benefit’s waiting period.9. A dentist’s or dental practice’s failure to comply with the current ADA coding

convention including, but not limited to, upcoding, the overutilization ofcertaincodesand/orthemisrepresentationofservices(e.g.,unbundling).

10. Benefits for sealants are limited to secondary molars for dependent children underage16andwillnotbepayablemoreoftenthaneveryfiveyears.

11. No benefits will be paid for replacement of teeth missing before an insured’s effective date of coverage.

12. We will not pay benefits for services rendered by you or a member of the immediate family of an insured.

ORTHODOnTIC BEnEFIT RIDER LIMITATIOnThis benefit is not payable for dental services when the initial treatment occurred prior to the effective date or before the waiting period ended.

COSMETIC BEnEFIT RIDER LIMITATIOn This benefit is subject to the waiting period listed in your certificate schedule. All treatments must be performed by a dentist or dental hygienist.

NOTICES

If this coverage will replace any existing individual policy, please be aware that it may be in the Employee’s best interest to maintain their individual guaranteed-renewable policy.

The coverages provided by Continental American Insurance Company (CAIC) represent supplemental benefits only. They do not constitute comprehensive health insurance coverage and do not satisfy the requirement of minimumessential coverage under the Affordable Care Act. CAIC coverage is not intended to replace or be issued in lieu of major medical coverage. It is designed to supplement a major medical program.

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or theVirgin Islands. Continental American InsuranceCompany,Columbia,SouthCarolinaAGC08921R2IV(4/17).

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EG_12.19.16Copyright©2017.EOIServiceCompany,Inc.AllRightsReserved.

(844) 275-2721Monday-Friday8:00a.m.-7:00p.m.

(Central Time)

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