The Fund has contracted with CIGNA Group Insurance for the provision of life insurance coverage. As an employee, you are offered basic life/accidental death and dismemberment (AD&D) and supplemental life insurance for yourself. You can only purchase basic life insurance with AD&D for your spouse, and basic life insurance for your dependent child(ren) if you elect basic life insurance for yourself.

Basic Life/AD&D Insurance

• For Active Employees. The basic life insurance benefit for active members offers an amount equal to two times your base annual earnings. PacifiCorp pays 50% of the cost for basic life/AD&D insurance and you pay 50%. With your employee basic life insurance, you automatically receive basic AD&D coverage. Basic AD&D insurance gives you a benefit in the event of accidental death or certain dismemberment from an accidental injury. The severity of the loss determines the benefit amount paid. In the event you die from an accident, your beneficiary would receive your basic life benefit of two times your base annual earnings, plus the basic AD&D benefit of two times your base annual earnings, for a total of four times your base annual earnings. With the loss of use of one hand or foot, or sight in one eye, you get one-half the basic AD&D benefit. If you lose sight in both eyes, both hands or both feet, a hand and a foot, a hand and sight in one eye, or a foot and sight in one eye, you will receive the full basic AD&D benefit of two times your base annual earnings.
  

• For Your Spouse. You can purchase basic life with AD&D insurance for your spouse. You are automatically the beneficiary for this benefit. The coverage amounts available for your spouse are (1) $30,000, (2) one times or (3) two times your base annual earnings.
  

• For Your Dependent Child(ren) to Age 26. The life insurance benefit for dependent children is $15,000 per eligible child. No matter how many children you cover, you pay $1.02 month for this coverage. You are automatically the beneficiary for this benefit. You may now have insurance coverage for dependent children up to age 26. You are automatically the beneficiary for this benefit.
  

• For Employees Only. If you want more life and AD&D insurance coverage than what your basic life benefit provides, you have the option of purchasing additional life and AD&D insurance. The supplemental and AD&D insurance benefit is provided by CIGNA Group Insurance.
  
  Supplemental insurance allows you to increase your life and AD&D insurance coverage by one, two, three, or four times your base annual earnings. When you combine this with the basic coverage, you can get a total of three, four, five, or six times your base annual earnings.
  
  The information provided on this page is only a brief description of the Benefit Plans offered to participants under the IBEW/Western Utilities Health & Welfare Trust Fund. For detailed information on the life and AD&D plan options available to you, please log-in and download the Plan’s Summary Plan Description or Open Enrollment Guide in the Documents/Forms section of this website.