If you’re a federal civilian who happens to be stationed in or commutes to a combat zone, you would be covered. If you’re an activated Reservist or National Guardsman, who gained WAEPA membership prior to activation, your basic coverage would also be intact.

The Accidental Death & Dismemberment (AD&D) coverage, which is in addition to, not a part of, the basic coverage you have, won’t be paid if the death was a result of an “Act of War”.