ONLY $ 3.12 PER PAY PERIOD

(GROUP DISCOUNT RATE)

OR

ONLY $ 3.62 PER PAY PERIOD

(NON-GROUP DISCOUNT RATE)

Dear Brother and Sister:

The APW-ABA is partnering with Unum, Sun Life and USI-Affinity to provide additional benefits for APWU Members, Associate Members, Retirees and Spouses.

In addition to the APW-ABA's Value, Advantage and Plus programs that members are currently eligible for, you will now have access to affordable permanent Whole Life Insurance and additional expanded Accident Insurance.

Special Enrollment Period!!!
For a limited time, June 1, 2011 through July 31, 2011 you can call Toll-Free 1-855-APW-3ABA (1-855-279-3222) into the USI Affinity Call Center we have established to enroll in these exciting benefits. This special opportunity will take place in advance of the one-on-one meetings scheduled for your work site in the coming months. The Union trained USI-Affinity counselors will be canvassing the country enrolling members by region. But we wanted to make sure everyone had an opportunity to enroll now!!!

You may purchase Up to $50,000.00 of Whole Life Insurance with NO Medical Questions if you are enrolled or choose to enroll in our Value, Advantage or one of our Plus Plans. In Addition, you may also purchase expanded Accident Insurance coverage with NO Medical Questions or Medical Exam!!!

EVERY APWU Member, Associate Member and Retiree will be immediately eligible to purchase up to $50,000.00 of permanent whole life insurance with NO medical exam or medical questions if you are working 20 hours per week or if you are a retiree, working 20 hours OR volunteering 20 hours a week - YOU QUALIFY!!! Whole Life stays with you for life while term life insurance usually expires at some point or, in some cases; the death benefit is dramatically reduced as you age. Coverage is available on spouses (with limited medical questions) and children. Drastic reductions DO occur for Civil Service Retirees.

Why consider Whole Life Insurance?

Whole Life Insurance coverage enables members to provide financial security for their loved ones in the event they are no longer here to provide for them.
It builds cash value that grows at a minimum guaranteed rate of 4% and it can be borrowed on if needed.
It provides a Living Benefit option that allows the insureds to request an advance, up to 100% of the benefit amount chosen if they are diagnosed with a terminal illness.

Why you should consider expanded Accident Insurance?

• Expanded Accident Insurance provides a guaranteed issue of benefits for covered accidents that occur on or off the job, 24 hours a day!
• This coverage provides a lump sum benefit based on the type of injury you sustain or the type of treatment needed...so trips to the emergency room or doctor's office for such injuries as broken bones and burns are covered.

The APW-ABA's Value and Advantage Plans pay YOU daily tax-free cash benefits for up to 365 days for a covered accident. 24/7/365!

The APW-ABA's Plus Program allows you to purchase additional Accidental Death Benefits that are very affordable at just pennies a day! The Value Plan already includes $6,000 of Accidental Death Benefits and the Advantage plan includes $10,000 of Accidental Death Benefits, however, you can now add an additional $20,000 $30,000 $40,000 $50,000 $75,000 or $100,000 to either the Value or Advantage Plans existing coverage. This coverage is available to all Members and Associate Members with NO MEDICAL exam required. (Retirees and Spouses are eligible for $20,000, $30,000, $40,000 or $50,000, also with no medical exam required.)

You may choose any of the plans by:

Speaking with a Union trained Counselor when they begin travelling across the country - meeting with YOU at your post office, station or branch, beginning June 1, 2011. Or you may apply during the Special Enrollment Period by calling toll-free 1-855-APW-3ABA (1-855-279-3222) and speaking with the APW-ABA counselor who can sign you up via telephone.

Please share this information with your members and their families. Soon a special informational digest will be provided to each APWU Member, Associate Member, Retiree and Spouse for review. QUESTIONS, please call
the APW-ABA at 1-800-526-2890.

Fraternally,

Dave Daniel
National Director