1. AFLAC|WORKFORCESREPORT|2014 FACTSHEET
California benefits trends
2014 Aflac WorkForces Report results for benefits
decision-makers and employees from California
Employers believe benefits are
extremely or very influential on:
Job satisfaction – 53 percent.
Loyalty to employer – 49 percent.
Decision to leave company – 37 percent.
Willingness to refer a friend – 36 percent.
Work productivity – 42 percent.
Yet, employees believe benefits are
extremely or very important to:
Job satisfaction – 73 percent.
Loyalty to employer – 63 percent.
Decision to leave – 53 percent.
Willingness to refer a friend – 46 percent.
Work productivity – 57 percent.
Key employer and employee disconnects
Company benefits offerings
80
70
60
50
40
30
20
10
0
80% 80%
72% 74%
57%
67%
62% 62%
58%
61%
25%
35%
Major
medical
Dental
insurance
Life
insurance
Vision
insurance
Disability
insurance
Voluntary
insurance
California
U.S. Average
The percentage of California companies offering each type of benefit option compared to
companies across the U.S.

2. PAGE 2
4%
41%
Have less than $1,000 to
pay unexpected out-of-
pocket expenses.
30%
Medical bills have greatly
hindered their ability
to save.
67%
Unable to adjust to the
large financial costs
associated with a serious
illness or injury.
100
75
50
25
0
Financial preparedness of employees
Completely agree they’re
financially prepared for an
unexpected emergency.
Likely to accept a job with slightly lower
compensation but better benefits
Maintaining health care benefits is most
important benefits concern right now
See a growing need for voluntary
benefits
Benefits package meets current needs
extremely well
Extremely satisfied with benefits
package
58%
46%
55%
18%
17%
Employees’ benefits engagement
0 10 20 30 40 50 60 70 80
Understand the concept of consumer-
driven health care extremely well*
Completely agree their employers have
prepared them well for the impact of
health care reform
Have not heard the phrase consumer-
driven health care
Believe their personal health insurance
situation will become more confusing
Say health care reform is too
complicated to understand
9%
76%
64%
69%
Health care reform – are workers ready?
0 10 20 30 40 50 60 70 80
2%
*Among those who have heard the phrase “consumer-driven health care.”

3. 4/8/14Z140355CA
AFLAC|WORKFORCESREPORT|2014 FACTSHEET
About the study
The 2014 Aflac WorkForces Report is the fourth annual Aflac employee benefits study examining
benefits trends and attitudes. The study, conducted in January 2014 by Research Now, captures
responses from 1,856 benefits decision-makers and 5,209 employees from across the United
States. As part of the fourth annual Aflac WorkForces Report, 251 benefits decision-makers and 458
workers from California shared their opinions on a variety of workplace-benefits topics. To learn more
about the Aflac WorkForces Report, visit AflacWorkForcesReport.com.
This material is intended to provide general information about an evolving topic and does not constitute legal, tax or
accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or
individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss
their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which
may also be contacted at 1-800-318-2596) for additional information.
Content within is for informational purposes only and is not intended to be a solicitation.