Dedicated to Civilian Federal Employees since 1943

Dedicated to Civilian Federal Employees since 1943

Affordable Benefits for DoD Employees

Dedicated retirement and financial benefits, and life insurance for Department of Defense personnel.

Financial & Retirement Planning and Life Insurance for DoD Employees

Since 1943, Worldwide Assurance for Employees of Public Agencies (WAEPA) has provided group term life insurance, retirement planning, and financial services as benefits to employees of the federal government, including Department of Defense civilian personnel.

DOD employees throughout the military, including the Army, National Guard, Navy, Marines and Air Force, may qualify for services under WAEPA. Active-duty military servicemembers do not qualify, but may be eligible after transition to a DOD civilian role.

As a member, you can benefit from all the following services:

Life Insurance Options

WAEPA is proud to offer life insurance plans for new Department of Defense employees that give you the reliability and flexibility you truly need. Compared to FEGLI, WAEPA provides lower costs and premiums for members across several age groups.

Group Term Life Insurance

Group Life Insurance from WAEPA provides up to $1.5 million in coverage for eligible members, which will not be lost if you change jobs or retire – even after leaving the federal government. An eligible member’s coverage also extends to spouse and children.

Guaranteed Issue Life Insurance

Guaranteed Issue Life Insurance means qualifying federal employees, including DOD civilians, cannot be turned down. There are no requirements for medical documentation. An applicant must simply be a U.S. citizen under age 70 applying within one year of first-time, non-military government hire.

Long-Term Care Insurance

Long-Term Care Insurance provides extra protection if you are injured or become ill. WAEPA has been protecting members against the high costs of long-term medical care since introducing this service in 1998.

Long-term care benefits activate if you are unable to care for yourself for medical reasons. They cover a portion of the cost of services provided by facilities such as nursing homes, adult day care centers, assisted living facilities or professional care taking place in your own home.

Financial Wellness Planning

At WAEPA, we advocate tirelessly for federal employees to have the facts to make informed decisions about savings, retirement and other topics. Financial planning can be complex for federal employees, but we are here to help.

Our Financial Wellness Planning service helps you build your financial future and is completely free and always available to members. With guidance from the experts at Ernst & Young, we can assist you in organizing your financial security by offering comprehensive financial planning services that are customized to your needs.

Other Benefits and Resources for Members

WAEPA is always adding new benefits and resources for federal employees. In partnership with the National Institute of Transition Planning (NITP), we have developed webinars, pre-retirement planning handbooks, and more that you can use any time. 

At WAEPA, we understand the trust that Department of Defense employees place in us every day. As a nonprofit organization founded by and for federal government employees, we never rest in our goal of offering world-class resources tailored especially for our members.

If you qualify for our services, but you're not a WAEPA member yet, you should consider the value of our 30-day “free look” period to evaluate your insurance policy options. To get started, simply apply online now with the link below. We look forward to serving you.

Guides

Our WAEPA Guides cut through the complexity and get to the heart of the matter – helping you decide what’s right for you.

Resources

Our tools and resources are here to make your decisions easier.

DoD Benefits

Learn more about benefits from the Department of Defense.

Ready to Apply?

Not a WAEPA member? Apply now and start enjoying the benefits.