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BENEFITS

VOLUNTARY BENEFITS

AFLAC | PERSONAL ACCIDENT INDEMNITY

Aflac’s Personal Accident Indemnity insurance will pay you a benefit to help cover your out-of-pocket medical costs in case of an
accident. For covered accidental injuries, fixed benefits are paid directly to you, regardless of any other coverage. Benefits are paid
according to a fixed schedule that includes benefits for x-rays, treatment by a physician, treatment received in a hospital room,
follow-up treatment, and more. A wellness benefit is also included. Please note treatment must be received within 72 hours of an
accident.

AFLAC | PERSONAL CANCER
Aflac’s Personal Cancer insurance can help you better cope financially and emotionally if a positive diagnosis of cancer ever occurs.
Benefits are payable for the first-occurrence/diagnosis of cancer, hospital confinements, drugs/medicine administered in the
hospital, radiation and chemotherapy, bone marrow transplantation, stem cell transplantation, experimental treatments, surgical/
anesthesia, transportation, lodging, home health care, extended-care facility, nursing services, hospice, and more. A cancer
screening wellness benefit is also included.

AFLAC | SPECIFIED HEALTH EVENT

The Specified Health Event Protection plan provides hospital intensive care coverage for sickness and injury, and provides specified
health event coverage for critical illness. Some benefits are payable for both hospital intensive care and specified health events -
some benefits apply only to specified health events. Please note, age reductions may apply. Covered benefits include hospital
confinement, first-occurrence benefits, reoccurrence benefits, continuing care benefits, transportation, lodging, benefits for
secondary specified health events, and more.

AFLAC | HOSPITAL PROTECTION
The Hospital Protection plan can help with deductibles, copayments, and other out-of-pocket costs associated with a hospital stay.
This plan will pay a benefit in the event of a hospital confinement and rehabilitation. A mammography benefit is also payable when
a charge is incurred for a mammogram.

AFLAC | SHORT TERM DISABILITY
The Short Term Disability plan provides a source of income if you are unable to work due to a covered illness or injury. This plan is
sold on an individual basis, so you can choose the level of coverage that’s right for you. Aflac will pay you directly, regardless of any
other disability insurance benefits you may have including Social Security. Aflac provides benefits for both total and partial
disability. Even if you’re able to work, partial disability benefits may be available to help compensate for lost income.

FOR MORE INFORMATION OR TO ENROLL
You may enroll for these voluntary AFLAC plans upon hire. Otherwise, open enrollment with AFLAC is held in
October of each year. At that time, you may add coverage or cancel your current plans with AFLAC.
Please contact Tracy Norys regarding enrollment: norys@encous.com or call (714) 283-6080 x103

RETIREMENT PLANNING

TRI-AD | 401(K)
Saving for retirement can be a daunting task, so we have made this easier for you by offering a voluntary retirement savings plan
called a 401(k). You must be at least 21 and be an active employee for at least 60 days in order to participate. This plan is
administered though Tri-AD. Once you are eligible to enroll, if you do not opt out, you will be automatically enrolled at a 3%
contribution (this amount can be changed at any time). If you choose to enroll, you determine your contribution amount. There is
not an open enrollment for the 401(k) plan. So you may enroll, stop contributions, as well as make changes to your contribution
amount at any time. If you wish to make any of those changes, please contact Tracy Norys:
norys@encous.com or call (714) 283-6080 x103

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