Affordable Benefits for HHS Employees

Dedicated retirement and financial benefits, and life insurance for U.S. Department of Health and Human Services personnel.

Financial & Retirement Planning and Life Insurance for HHS Employees

Are you a civilian employee of Health and Health Services under the age of 70? If you’re a United States citizen within your first full year of work with the federal government, you may qualify for Group Term Life Insurance and other benefits from WAEPA.

WAEPA – Worldwide Assurance for Employees of Public Agencies – is a nonprofit organization that was originally established in 1943. Since 1973, WAEPA has provided Group Term Life Insurance and a variety of other valuable services to all civilians within the U.S. federal government.

Whether you work within a health department, the Office of the Inspector General or any other agency within Health and Human Services, you can qualify for benefits. Doctors, educators, administrators, clerical and technical experts are all eligible.


As a WAEPA member, you’ll receive all the following benefits:

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 Health and Health Services employees, cannot be turned down coverage for up to $100,000 within their first year of hire. If you qualify for this offer, you do not need to submit medical documentation or other complex paperwork to access your benefits. An applicant must simply be a U.S. citizen under age 70 applying within one year of first-time, non-military government hire.

Compared to FEGLI, WAEPA provides lower costs and premiums for members across several age groups. You never need to submit medical documentation or other complex paperwork. Our HHS employee Group Term Life Insurance is yours to continue using even if you change jobs or leave federal service.

Financial Wellness Planning Throughout Your Career

Navigating the maze of savings and retirement planning topics can be a challenge. Our financial wellness planning resources and advice will put you on the right track and help you meet your financial goals within the federal service and beyond.
As part of our ongoing commitment to deliver the very best service for our members, we have partnered with the personal finance industry leaders at Ernst & Young. With their help, WAEPA members can access personalized financial advice at every career stage.

Benefits and Resources to Help You Prosper

Our insurance products are only the beginning of what we have to provide our members. Through our wide-ranging partnerships with verified industry experts, we are always developing new resources for our members.

With our convenient benefits and resources, the information you need to make informed choices is always at your fingertips. We work with the National Institute of Transition Planning to provide a roster of helpful webinars you can access any time.

Get started with WAEPA today using the link below.


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


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

HHS Benefits

Learn more about benefits from the U.S. Department of Health and Human Services.

Ready to Apply?

Apply now and start enjoying the benefits.