Life and Accident Insurance


Planning for your family's financial security in unforeseen circumstances is crucial. To ensure that you are covered, Western Digital provides all employees with basic life insurance and accidental death and dismemberment (AD&D) insurance at no additional cost to you.

During Open Enrollment, you also have the option to purchase supplemental Life and AD&D insurance for you and your family through easy payroll deductions.

In addition, while traveling on company business, you have the protection of our company-paid business travel accident insurance.

Basic Life and AD&D Insurance 

Employees may choose one of two company paid options:

  • 2 times your annual salary, up to a maximum of $1,000,000*
  • $50,000 

Supplemental Life and AD&D Insurance  

If you need additional coverage for yourself, you may purchase:

  • Supplemental Life of 1 to 8 times your annual earnings up to $3M
  • Supplemental AD&D of 1 to 8 times your annual earnings up to $2M 

Supplemental Family Life and AD&D  

If you need additional coverage for your family, you may purchase:

  • Spouse/Domestic Partner Life Insurance - Choice of $25,000, $50,000, $100,000, $200,000 or $300,000 (not to exceed 100% of your Basic and Supplemental coverage)
  • Child(ren) Life Insurance - Choice of $5,000 or $10,000 (covered from birth through age 26)
  • Spouse/Domestic Partner only AD&D Insurance - 60% of your coverage amount
  • Child(ren) only AD&D Insurance - 20% of your coverage amount
  • Spouse/Domestic Partner and Child(ren)
    • Spouse/Domestic Partner - 50% of your coverage amount
    • Child(ren) - 10% of your coverage amount

Business Travel Accident Insurance  

When traveling on behalf of the company, you are protected under a company-paid business travel accident insurance policy should an accident occur. This policy provides coverage for certain injuries or death resulting from an accident during business travel outside of your home country.

Coverage is up to five times your annual base salary, up to a maximum benefit of $2M. You do not need to enroll, and there is no cost to you.

To contact Chubb, see the BTA Contact Sheet.

*The IRS requires that the value of any group-term life insurance greater than $50,000 be included in your taxable income. This is known as Imputed Income. The value will be listed on your paycheck as "Group Term Life (Sec 125)" and is not a deduction from your pay. The IRS determines the value of your life insurance based on your age. See Page 15 here for more information.