For complete plan details, please review the Summary Plan Description. For personalized benefits information and pricing and to enroll, go to Western Union
Employee Access and select Customer Login.
Life and Accident Insurance

Life Insurance
Buying life insurance is a critical element in protecting your family's future. It helps ensure that if something happens to you, your loved ones will have the financial resources needed to protect their home, pay bills, go to college, and maintain their standard of living.

Plan Who Pays for Coverage Coverage Amount
Basic Life Western Union 1 times your annual benefits salary up to
$1,000,000 (rounded to next higher $1,000)
Supplemental Life You 1, 2, 3, 4 or 5 times your annual benefits salary up to $1,000,000. Amounts exceeding 3 times or $300,000 are subject to evidence of insurability (see Online EOI Applications below).
Spouse Life You $10,000 increments up to the lesser of 50% of employee amount or $250,000. Amounts exceeding $50,000 are subject to evidence of insurability (see Online EOI Applications below). Election requires enrollment in Supplemental Life Insurance.
Child Life You $5,000 or $10,000 for each child

How much coverage do you need?
Click here for a calculator to help you decide.

Increasing Coverage or Electing Coverage For the First Time
You can increase your life insurance coverage during open enrollment. Some increases, however, may be subject to evidence of good health -- also referred to as Evidence of Insurability (EOI). If you are electing life insurance coverage for the first time, your request will also be subject to EOI. (This does not apply to Child Life.)

Apply online for EOI – no forms!
If you are required to submit an EOI application you will receive a letter from Aetna with instructions for that process. You must apply within 30 days of receiving this letter. To ensure that you complete this process on time, you are encouraged to complete the application online. If necessary, you may still mail your application in the envelope provided.

If you have any questions, please call 1-800-660-9913 to speak to an Aetna representative in the EOI unit.

Accidental Death and Personal Loss (AD&PL) Insurance
Accidents happen. It is important to plan ahead for the unexpected, that is why AD&PL insurance is a valuable addition to your financial plan that helps protect you, your family and your lifestyle if you unexpectedly die or become disabled due to an accident.

Plan Who Pays for Coverage Coverage Amount
Basic AD&PL Western Union 1 times your annual benefits salary up to $1,000,000 (rounded to next higher $1,000)
Supplemental AD&PL You Equal to your Supplemental Life election
Spouse and/or Child(ren) AD&PL You Spouse only: 50% of employee Supplemental AD&PL
Spouse and child(ren): spouse 40% + child(ren) 10% of employee Supplemental AD&PL
Child(ren) only: 15% of employee Supplemental AD&PL

AIG Business Travel Accident Insurance
You are automatically enrolled for this coverage and Western Union pays the cost. The plan provides a benefit if you are severely injured in an accident while traveling for your job. These benefits are paid in addition to amounts paid from your life and AD&PL plans. Depending on your loss, you or your beneficiary will receive a percentage of your business travel accident insurance benefit amount.

Plan Who Pays for Coverage Coverage Amount
Basic Business Travel Accident Insurance Western Union 4 times your annual benefits salary

In certain circumstances, your spouse, dependent children, interns, and guests are eligible for coverage when they accompany you. Coverage is as follows:

Spouse $50,000
Children/Guests/Interns $25,000

See your Summary Plan Description for complete details of your life and accident plans.


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