Dependent Coverage - Frequently Asked Questions (FAQ)

• Is Dependent Coverage the same as Associate Membership



• Can a Dependent apply for coverage or add additional coverage to an existing policy, if over the age of 65?



• Can a non US Citizen be covered as a Dependent or apply for Associate Membership?



• I want to cover my full time college age children, how long are they eligible?



• For my spouse to be covered under WAEPA, do they have to be a US Citizen? For example, can I cover my spouse who is a Resident Alien in the US?



• Can I add my mom to my WAEPA insurance plan?



• Would my spouse get better insurance by joining WAEPA?



• Can a spouse be covered as both a dependent and as an associate member?



• Can dependent children be covered by both the member and associate member?

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Is Dependent Coverage the same as Associate Membership

No. WAEPA gives you two ways to provide life insurance protection to your family:

1. As Dependents - Cover your spouse, domestic partner and children under your own policy. Coverage levels go up to $250,000.



2. As Associate WAEPA Members - Enable your spouse, domestic partner^*, non-dependent adult children, a parent, or parent-in-law, to purchase their own WAEPA insurance. Coverage levels go up to $750,000.

Can a Dependent apply for coverage or add additional coverage to an existing policy, if over the age of 65?

No. Both the prospective or existing Member and Dependent need to be under the age of 65."

Neither applicant nor dependent can apply for coverage once 65 or older.


Can a non US Citizen be covered as a Dependent or apply for Associate Membership?

Yes. If the person is a legal resident who is assigned a social security number. Other than that US Citizenship is required.




I want to cover my full time college age children, how long are they eligible?

Until your children are age 23.


For my spouse to be covered under WAEPA, do they have to be a US Citizen? For example, can I cover my spouse who is a Resident Alien in the US?

WAEPA Dependent coverage applies to dependents (regardless of US resident status).

To apply for Associate Membership, a spouse must be a legal permanent resident with a tax ID or SSN.


Can I add my mom to my WAEPA insurance plan?

Your mother can apply for WAEPA life insurance as an Associate Member (if she is under the age of 65). She cannot be covered as a dependent to you.


Would my spouse get better insurance by joining WAEPA?

In almost all cases, WAEPA rates are significantly less than FEGLI rates.

Please view our WAEPA vs. FEGLI  Rate Comparison page.





Can a spouse be covered as both a dependent and as an associate member?

No.


Can dependent children be covered by both the member and associate member?

No. Only the member OR associate member may cover dependent children.