3. South Carolina Car Seat Law
◦ Infants must ride rear-facing until they reach 1 year of age
AND 20 pounds.
◦ All children must be in a child restraint up to their 6th
Birthday. *Child restraints include both high-back and
low-back (no-back) booster seats.
◦ Children must be in the back seat, if available.
◦ Children under the age of 6 are not required to be in a
booster seat if they weigh more than 80 pounds or if they
can sit “properly” in the vehicle’s seat
◦ Violators are subject to a fine ranging from $150 to $342
per child in the vehicle, plus additional court costs.
3
4. 4
Car Seat Best Practices
◦ Most recent recommendations released 3/2012
◦ Developed by:
◦ AAP- American Academy of Pediatrics
◦ NHTSA- National Highway and Traffic Safety
Administration
◦ Supported by:
◦ Safe Kids USA, - South Carolina, - Midlands,
Buckle Buddies
5. Preventing Ejection
Contacting the Body on its Strongest Points
Spreading Crash Forces
Allowing a Child to Ride Down the Crash
Protecting the Head, Neck and Spinal Cord
How Child Safety Seats
Reduce Injury
7. Infant Carrier
Minimum and Maximum seat height and weight limits vary. Always read the manufacturer’s instructions.
STAGE 1:STAGE 1:
Rear Facing Car SeatsRear Facing Car Seats
American Academy of Pediatrics (AAP) recommends a rear-facing car
seat until 2 years of age or until they reach the highest height or weight
allowed by the car seat manufacturer.
Children are 5 times safer riding rear-facing until their 2nd
birthday
3-In-One
4 - 30 lbs 5 - 40 lbs
Convertible Seat
5 - 45 lbs
8. Why Rear Facing?Why Rear Facing?
A 1/4” pull on a
child’s spine can
cause paralysis –
or worse!Spikes develop
and hook together
A child’s spine is like
building blocks
Quadriplegia X-ray
An adult’s spine is
like Legos
10. Harness At or Below
Shoulder Level
Harness Snug and
Comfortable
Crotch Strap -best fit
Harness Clip at
armpit level
Proper Fit in
Rear-Facing Car Seat
Head 1-inch below
top of shell*
11. • Baby’s back and bottom should be flat
against restraint
• Nothing BEHIND baby or between
baby and harness
• No bulky clothing
• Space between the back of the vehicle
seat and the top of the car seat
Proper Fit in
Rear-Facing Car Seat
12. Rear-Facing
45° Recline Angle
Arrow must be level to ground
If the arrow is not level,
use a tightly rolled up
towel or small blanket
Bubble on base must be centered
Line must be level to ground.
A tightly rolled towel may be used.
Angle Adjuster can be
used for children who
can sit up unassisted
and/or have full head
control
Detachable
base must be
used
13. A rear-facing car seat should never be installed in a
front passenger seat that has an active airbag!
3
Avoid Front Seat Airbags!Avoid Front Seat Airbags!
15. Minimum and Maximum seat height and weight limits vary. Always read the manufacturer’s instructions.
STAGE 2:STAGE 2:
Forward-Facing Car SeatsForward-Facing Car Seats
American Academy of Pediatrics (AAP) recommends all children 2 yrs or
older, or those younger than 2 yrs who have outgrown the rear-facing
weight or height limit for their CSS, should use a forward-facing CSS with a
harness for as long as possible, up to the highest weight or height allowed
by the manufacturer of their CSS;
forward-facing car safety seats for most children through 4 years of age.
3-In-One
20 - 65 lbs
Convertible Seat
20 - 80 lbs
16. Harness At or Above
Shoulder Level in
Reinforced Slots*
Proper Fit in
Forward-Facing Car Seat
Harness Snug and
Comfortable
Harness Clip at
armpit level
Ears below top of
shell
Crotch Strap -best fit
18. Forward-Facing
Always use SafeStop when using
LATCH or top tether with forward-
facing child under 40 lbs
Absorbs energy and
reduces impact to a
smaller, forward-
facing child
SafeStopRecline
Only use adjustable bottom to position
forward-facing restraint at a more
reclined angle.
19. 19
STAGE 3:STAGE 3:
Belt Position Booster SeatsBelt Position Booster Seats
All children whose weight or height is above the forward-facing limit for
their car safety seat should use a Belt-Positioning Booster Seat until the
vehicle seat belt fits properly. Typically when they have reached at least 4
feet 9 inches in height and are somewhere between 8 and 12 years of age.
forward-facing car safety seats for most children through 4 years of age.
3-In-One
20 - 80 lbs
20. Proper fit in vehicleProper fit in vehicle
When the child fits “properly” in the vehicle seat, they fit like an
adult
◦ Varies by child’s age/size and vehicle size
Your child must be able to answer “YES” to ALL of these 4
questions-
1.Does the should belt cross the center of your shoulder and the
lap belt touch the tops of your legs?
2.Can you sit with your hips against the back of the seat?
3.Do you knees bend at the edge of the seat?
4.Can you sit comfortably for the entire trip?
20
21. STAGE 4:STAGE 4:
Vehicle Seat BeltsVehicle Seat Belts
When children are old enough and large
enough to use the vehicle seat belt alone, they
should always use Lap and Shoulder Seat
Belts for optimal protection.
All children younger than 13 years should be
restrained in the Rear Seats of vehicles for
optimal protection.
21
23. Car Seat Installation
1. CSS facing proper direction
2. Correct belt path
3. Compress vehicle seat cushion
4. Buckle, tighten, lock the safety belt
5. No more than 1” of movement at
the belt path
24. Three Ways to Lock a Seat BeltThree Ways to Lock a Seat Belt
Locking Latch
plate
Locking
Retractor
Locking Clip
4
25. Does the Vehicle Have LATCH?Does the Vehicle Have LATCH?
Check the vehicle
owner’s manual
Locate the lower
anchors in the vehicle
seat- specific seating
positions only
Labels, tags, or
buttons identify lower
anchor locations
Lower anchors can be
visible or hidden
5
The Radian’s SuperLATCH can
be used to secure a child up to 80
lbs in vehicles made after 2005
26. TethersTethers
• For forward-facing use
• Secure the top of the seat
with strap and hook
• Reduces the forward
movement of car seat
• Refer to vehicle owner’s
manual for maximum weight
limit of tether
• The Radian’s SuperLATCH can
be used to secure a child up
to 80 lbs in vehicles made
after 2005
• Attach tether strap to
storage clip on back of car
seat when not being used
6
The Radian’s VersaTether can
be also used Rear-Facing
using Tether Connecting Strap
27. Installation Resources at YourInstallation Resources at Your
FingertipsFingertips
Recall Registration Card
28. Car Seats are good for ONE collision ONLY
Contact the child safety seat manufacturer after ANY
collision
DO NOT use a car seat that the child has
outgrown
DO NOT use a car seat beyond its usable life
Car seats expire typically 6 years from manufacture date
DO NOT use a second-hand car seat that is
missing instructions and parts and/or has an
unknown history
Safe PracticesSafe Practices
8
29. 29
Safe PracticesSafe Practices
DO NOT place an infant carrier on the top of a
grocery/shopping basket
DO NOT use both the seatbelt and lower anchor
system- one or the other only
DO always wear your seatbelt, especially during
pregnancy
DO ensure your child travels safely every time
they travel in anyone’s vehicle
30. What is the “best” car seat?
The one that fits the child
The one that fits the vehicle
The one that will be used
correctly every ride
Wise Investment:
Maximum Harness Weight Limit vs. Cup Holder, Fabric Color/Pattern, Toy Net
31. Go to www.mercurydistributing.com/aflac within 6-months of
attending car seat class
Choose 1 item
Enter:
◦ Name
◦ Employee number
◦ Contact phone number
◦ and credit card payment information, if applicable.
Check Consent box
Credit card information is processed through the PayLeap
Questions? Mercury Distributing 800-815-6330
How To Order Car SeatHow To Order Car Seat
1
32. Post-TestPost-Test
• This class is not intended to make you an expert and is
intended as a base for car seat knowledge
• Always read the manufacturers’ instructions for the
vehicle and the car seat you are using
Program funded by Aflac in partnership with Anthem Future Moms Insurance Program. According to the National SAFE KIDS Campaign Motor vehicle crashes are the leading cause of injury-related death to children ages 1 to 14 and the second leading cause of injury-related death for children under 1 year of age. A $52 child seat saves $2,181 in medical, work loss, resource and quality of life costs. This demonstrates the vital importance of safety belt use Car seats reduce the risk of fatal injury for infants by 71% and toddlers by 54 %. Booster seats reduce the risk of non-fatal injury to young children by 45% and seatbelts by up to 82%. The evidence is overwhelming that seat belts save lives and reduce the severity of injuries Riding unrestrained is the most important risk factor for death and injury among children as passengers in motor vehicles. The average child car seat saves $330 in insurance (auto and car) and tax payments. The overall critical misuse for child restraints is about 73 percent. Infant seats have the highest percent of critical misuse, followed by rear-facing convertible seats.
Classroom Set-up Roster (attendee plus 1 guest) 1 Notes Page/Evaluation Packet for each person(attendee & guest) 1 Pre/Post Test Page 1 Pencil for each person (attendee & guest) 1 Waiver (attendee only) Classroom Activities Class begins at 11:45 am sharp Participants arriving 15-minutes late will have to reschedule. (liability concern) Verify Roster All sign-up issues are handled by Aflac staff. Demonstrations (route harness, etc.) Ensure enough materials are available for next class and breakdown classroom
Georgia’s law is based on the AGE/HEIGHT of the child – not on the WEIGHT. The law can be found online under the Official Code of Georgia Annotated (O.C.G.A.) Section 40-8-76. This is a primary offense law. The driver receives a citation for each offense. Penalties Under 8: $50 first $100 second or subsequent tickets Ages 8-17 $25 fine per citation Points assessed against violator’s driver’s license 1 point for first violation 2 points for additional violations
Ejection – Keeps child in CSS, L/S keeps occupant in vehicle. For every person who dies as a result of a motor vehicle crash, 45 are hospitalized and 1100 required medical attention. Strong Body Parts – Shoulder and thighs. Spreads crash forces over larger body area Ride down with the vehicle – In CSS or safety belt Protects – Head, neck and spinal cord Children are not Little Adults - Physical Development: Babies have big heads. Bones, tendons, muscles are not fully developed
Chicco KeyFit 30 Infant Car Seat Chicco Cortina Travel System (Stroller and KeyFirt 30 Infant Car Seat) Evenflo Titan 65 Convertible Car Seat Diono Radian R120 3-In-One (Convertible and Booster)
Options for smaller infants should be discussed with the infant’s healthcare provider. DO NOT use any car seat with a premature infant until after consulting your doctor. Premature infants may have difficulty breathing when in a sitting position. Children should remain rear-facing as long as possible. Min and Max Weights and Heights vary. Always read the manufacturer’s instructions.
Take a look at the left photo - point out the spikes on the top of the second vertebra down and show the space they fit into on the bottom of the one above it. Explain that this is an adult spine and they fit together much like legos. Then explain that the child spine does not have the 2 spikes and the child spine fits together more like ABC blocks. Have them remember a toddler building a tower of 3 and how unstable and easy to fall apart that was. Then explain that the muscles and ligaments in a small child are still loose (that is what makes them able to come through the birth process). The next slide will illustrate how much more support is provided to the neck/spine in the rear facing position. Finally, point to the x-ray (on right) and the large space just below the skull – post injury result – quadriplegia if they survive.
Video – View by placing “arrow” on photo. American Academy of Pediatrics recommends to keep your child rear-facing until they have reached the maximum height/weight limit of the seat. NEVER turn a car seat forward-facing with an infant weighing less than 20 pounds or less than one year of age. Crash forces may cause serious neck injury or death. Take a look at the photo on the right (rear-facing) the child rides with the car seat whereas the photo on the left (forward-facing), take a look at the bottom chart – results indicate the tremendous neck forces that are put onto a child that faces forward.
Rear-facing The shoulder harness straps should ALWAYS start at or below the child’s shoulders Harness on the child’s shoulders should be snug with no slack (pinch test). Harness clip (retainer clip) must be at armpit level. This helps to keep the harness straps on the shoulders. Child’s head must be at least one inch below the top of the car seat back. *Diono Radian R120: 44” or when there is less than 1.5” from the top of shell.
Hands-On – Place a doll in the seat with harness straps properly placed. Evenflo Titan 65: Harness strap length can be adjusted as your child grows (infant to toddler position). Have parents/caregivers practice changing. There are two positions on the harness straps. The top loop is for infant use. The bottom loop is for use as your child grows. To change the harness strap position, loosen the shoulder harness (push the harness release button on front of car seat). At the same time, pull up on the harness strap near the child’s shoulders. Slide the harness strap off of the splitter plate. Pull harness strap through to the front of the child restraint. Thread each harness strap through the appropriate slot. Pull the harness strap to the back of the child restraint. Reattach the splitter plate into the appropriate pocket on the harness strap. Helpful hint: Adjust one harness strap at a time! Chicco KeyFit 30: Use Newborn Insert for infants who weigh between 4 and 11 lbs. Do NOT use Newborn Insert if child weighs more than 11 lbs.
Hands-On – Identify recline and move to semi-reclined position How many different recline positions do you have? The car seat MUST be in the RECLINE position for rear-facing infant use. The back of the car seat supports and protects the child and absorbs crash forces. In some vehicles it may be necessary to place a tightly rolled towel or small blanket beneath the front edge of the car seat to provide enough recline for an infant’s head to lie back comfortably, if car seat allows. Diono Radian R120: Restraint bottom and base are both flat on the vehicle seat with front of the restraint against the back of that vehicle seat. The reason the Radian does not have an Angle indicator is because it cannot be adjusted. The Radian natural reclines between 35-45 degrees depending on the vehicle seat. It is up to the parent to determine if their child fits properly in the seat. You cannot use pool noodles or rolled towels with our seats. Many have tried to take the base off, as well, and used noodles, but we do not endorse that either. It totally changes loads on the seat, harness, etc. We have no way of knowing what those changes are because we do not crash test with pool noodles or rolled towels. If the angle is too upright, then the child is not adequately fitting in the seat. Angle Adjuster gives more room for front passenger. Engineered of dense foam. Angle Adjuster costs around $9.99 retail. Chicco Key Fit 30: Recline angle may be adjusted by pushing Recline Buttons while lifting base. Angle is correct when entire bubble is between arrows. Vehicle must be on a level surface for the bubble to indicate correctly. If vehicle is not on a level surface, check the level line on the carrier. It must be level with the ground. A tightly rolled towel may be used under the front edge of the carrier if needed to adjust the angle of the carrrier when not using the base. Evenflo Titan 65: Practice with parents/caregivers moving the recline stand – recline position for rear-facing use. Adjust the car seat so that the level line is level with the ground. If the level line is not parallel to the vehicle floor, use a tightly rolled towel or small blanket beneath the front edge of the child restraint. You need to provide enough recline for an infant’s head to lie back comfortably. 2) upright position for forward-facing use only
DO NOT use this car seat in the front seat of a vehicle equipped with an active air bag. Air bags can cause serious injury or death to children under 13 years of age. If your vehicle has an air bag, refer to your vehicle owner’s manual for car seat installation. Evenflo Titan 65: If the rear seat of your vehicle is equipped with side air bags: Vehicles built prior to the 2002 model year : DO NOT use this car seat in a vehicle seating position with a side air bag unless authorized by the vehicle manufacturer. Model year 2002 and newer vehicles : Refer to your vehicle owner’s manual before placing this car seat in a seating position equipped with a side air bag.
Video – View by placing “arrow” on photo. Frontal airbags come out from the dash at about 180-200 MPH. Serious injury or death can occur to a very young child sitting in the front seat.
AAP recommends keeping your child rear-facing until the child reaches the maximum weight or height limit of the rear-facing restraint (age 2). At a minimum, 1 year and 20 pounds. AAP recommendation: This policy statement provides 4 evidence-based recommendations for best practices in the choice of a child restraint system to optimize safety in passenger vehicles for children from birth through adolescence: Rear-facing car safety seats for most infants up to 2 years of age; forward-facing car safety seats for most children through 4 years of age; (3) belt-positioning booster seats for most children through 8 years of age; and (4) lap-and-shoulder seat belts for all who have outgrown booster seats. In addition, a fifth evidence-based recommendation is for all children younger than 13 years to ride in the rear seats of vehicles.
Hands On Demo: How to move the harness straps from one slot to another. Shoulder harness straps MUST start at or above shoulder height, using the strap slots closest to your child’s shoulders. Harness on the child’s shoulders should be snug with no slack (pinch test). Chest clip fastened and at armpit level. Top of the child’s ears MUST be below the top of the car seat back. Best practice is to leave the child in a car seat with a harness system until they reach the upper weight limits of that harness. *Diono Radian R120: Forward-Facing: Keep child in harness system until the weight/height limit has been reached. Locate label on seat and review with parents (Radian R120 to 80 pounds). *Shoulders can go above top harness slot as long as top of ears are not above top of shell (tested with Load Cell devices). After a certain weight specified by the manufacturer is reached, the harness must be removed. Then the seat can be used as a belt-positioning booster. Booster: Once they have outgrown the harness, skipping the booster seat step is common but dangerous. Diono Radian R120 recommends using booster mode once child has outgrown maximum weight and height of harness. Do NOT use as a booster with child under 50 lbs and under 40” tall and if child’s shoulders are below the 4 th harness position. Child must be tall enough because seat sits low. Evenflo Titan 65: Titan 65 will accommodate children to 65 pounds in the harness system.
Evenflo Titan 65: Lift the car seat and flip the recline stand located under the car seat to the Upright Position. The car seat MUST be in the UPRIGHT position for forward-facing toddler use. Child MUST weigh 20-50 pounds and be at least one year of age. NOTE: Recline position is to be used for rear-facing ONLY. Be sure to read instructions on what needs to be done to convert from rear to forward facing. DO NOT use the two lower harness slots forward-facing. The harness may not properly restrain the child in the event of a crash. Make sure that the harness straps are in one of the two upper harness strap slots, and the splitter plate is attached to the bottom of the harness strap in the toddler position . This will provide more room for your toddler to fit comfortably.
Diono Radian R120 Forward-Facing Recline: Do NOT operate adjustable bottom when using detachable base with rear-facing installation. Only use adjustable bottom to position forward-facing restrain at a more reclined position. Can help with tighter installation. Recline is about 1-inch. SafeStop: SafeStop is a load-limiting device designed to absorb energy and reduce impact to a smaller, forward-facing child. Store SafeStop with top tether on back of restraint. ALWAYS use SafeStop when using LATCH or top tether with forward-facing child under 40 lbs. Do NOT use SafeStop with any other installation configuation. Do NOT use with rear-facing child. Use for child 20-40 lbs. Reduces chest G’s for smaller statured child because more vunerable and can’t withstand as well as a bigger child. Takes force away from child’s chest like a construction worker’s Life-Line Rip cord—the cord rips away as they fall to reduce force.
Products that are not regulated are sometimes called “aftermarket” products and are designed to improve the comfort, fit, or installation of car seats and/or seat belts. Some examples are infant head-positioning pads and shoulder belt positioning devices. Carefully read all manuals and instructions including vehicle and car seat manufacturers’ instructions and recommendations. Many warn against using “extras” with their products. Some devices can be used if they are made by the manufacturer of the car seat for that seat. Remember, if it came with the car seat, it is safe to use with that car seat. Some devices can cause injury if not properly secured during a crash. Suction window shades and mirrors are two examples of objects that can harm vehicle occupants during a crash. Window shades that “stick” to the windows are better to use.
Ask a Volunteer to come up so you can walk them through the process. Demonstrate routing of seat belt for both rear-facing and forward-facing. According to statistics, children are safer when properly restrained in a rear seating position than in the front seating position. Any back seat location is the safest. DO NOT use this car seat with vehicle seats which face the rear or side. Not all back seats are able to accommodate a car seat – hump in the back, no middle position; take into consideration other occupants in the vehicle; width of vehicle seat; size of car seat; air bags; etc.
In some vehicles usually manufactured before 1996 there may be a need to use a locking clip in order to install a safety seat correctly. Refer to car seat and Vehicle Owner’s Manual for instructions on how to secure in a vehicle.
Demonstrate how to re-route the LATCH system from the forward-facing belt path to the rear-facing belt path. LATCH is an installation system that was created to standardize the way car seats are attached to vehicles without having to use a seat belt. LATCH consists of two lower attachments and an upper tether on a car seat that connect with lower anchors and a top tether built into a vehicle’s back seat. (from NHTSA press release “LATCH Child Safety Seat System Confusing Says NHTSA Study” 12/22/2006) If no information is available in the Vehicle Owner’s Manual (VOM) or no VOM present, the CPS technician should assume the weight limit for LATCH is 40 pounds. If the child weighs more than 40 pounds, use the seat belt to install. Diono Radian R120: This restraint features the SuperLATCH installation system. Vehicles lower anchor points or top tether can be used to install this restraint for a child weighing up to 80 lbs in vehicles made after September 2005. For vehicles made before September 2005, consult vehicles owner’s manual for lower anchor and tether limits. The symbol in blue specifically, the child in the seat, typically denotes the presence of LATCH (Lower Anchors and Tethers for Children) and may help you locate the anchors and tether anchors in your vehicle. LATCH was added to make vehicle installation easier. In some cases, the vehicle seat belt works just as well. LATCH system is not better than a seat belt. When the LATCH system and Tether Strap are not in use, you MUST secure hooks A car seat should be installed with a seat belt or with lower anchors – not both. Car seats have not been tested with both systems being used together. General methods to obtain tight installation: Place the car seat on the vehicle seat in the proper direction and at the correct recline. Place the seat belt or LATCH system through the appropriate belt path as directed by the manufacturer. Place a hand in the car seat to compress the vehicle seat cushion, while pulling on the LATCH strap or seat belt to tighten.
Always check the instruction booklet provided by the vehicle manufacturer for the actual location of tether anchors. Some tether anchors are on the floor of the cargo area or roof top in SUVs. For many cars the tether anchors are located as you see in the displayed graphic above or behind the vehicle seat. You should also have your 2011 LATCH book available to provide parents/caregivers with the appropriate tether/LATCH information (tether/LATCH location in the vehicle; tether anchor part number). Tether use is very low. Please educate the parent/caregiver on the importance of using a tether on almost every forward-facing car seat. If the child is under 40 pounds, (or based on vehicle weight limit) they should use the tether. Please explain and promote tether use to caregivers. This one action could help prevent serious injuries in a crash. NOTE: If no information is available in the Vehicle Owner’s Manual (VOM) or no VOM present, the CPS technician should assume the weight limit for tether anchor is 40 pounds. If the child weighs more than 40 pounds, use the seat belt to install and no tether. Diono Radian R120: This restraint features the SuperLATCH installation system. Vehicles lower anchor points or top tether can be used to install this restraint for a child weighing up to 80 lbs in vehicles made after September 2005. For vehicles made before September 2005, consult vehicles owner’s manual for lower anchor and tether limits. Top tether does not have to be used if, but adds more stability to seat when used.
If parents are unsure about the correct way to install their child safety seat refer them to their CSS manufacturer’s instructions and their vehicle owner’s manual. The back side of many seat belts also list important CSS installation information. The seat belt on the left refers you to the vehicle owner’s manual the seat belt on the right indicates that you must use a locking clip to install a css when using this seat belt. Advise parents to fill out and return their Children’s Product Recall Registration Card that comes with the seat.
ALWAYS follow car seat instructions for specific weight and height guidelines. Locate expiration date on seat; do not use seat after this date. Some manufacturers suggest a life of 5 to 6 years from the date of manufacture. JPMA (Juvenile Products Manufacturer’s Association) recommends 6 years. Not only is there concern about degradation of components and hidden damage due to MVCs or other events, but also, and equally important, the federal standard has been considerably upgraded Diono Radian R120: Do NOT use this restraint in harness mode if it is older than 8 years. Do NOT use this restraint in booster mode if it is older than 10 years. Manufacture date is on side of restraint. Dispose of car seat properly; most of the components of the car seat are recyclable (follow car seat instructions)
Each type of restraint system has advantages and disadvantages and those should all be considered when selecting a child safety seat. Child safety seats should be chosen based on three major criteria: 1) the CSS that fits the child, 2) the CSS that fits the vehicle, 3) the CSS that will be used correctly and consistently each time. Many parents choose seats based on their appearance. It is recommended that the seat be tested for an appropriate fit in the parents vehicle before the seat is purchased.
After Safe Kids training, eligible employees will be instructed about the car seat program, and how to order. Employee will go to www.mercurydistributing.com/aflac . They can call the Mercury toll free number if they have product or ordering questions or for twins. They will see pictures, specifications and their cost for the items that are available under the program. Order form will note if item is currently out of stock and, if so, expected availability. They will enter the order information with their name, employee number, contact phone number, what item they have selected and credit card payment information, if applicable. The order form will have a check box that they understand the item will be sent to the address on file with Aflac. All credit card information will be processed through the PayLeap secure payment gateway, and will not be available to Mercury. Mercury will receive the order and manually verify eligibility using the employee number. Mercury will also verify that the employee has not already ordered on this program. Mercury will process the order and ship to the address on file. Mercury will send Aflac a report of employee purchases monthly showing transaction date, employee name, employee address, item purchased If an employee wants to return the item, Mercury will waive the restocking fee as long as the item is new, unused, and in its original packaging with all tags and materials. The employee is responsible for paying to ship the item back to Mercury. Mercury would then credit the employee’s credit card, if applicable, and credit Aflac on the next monthly transaction report for their contribution.