Do we have to wait until I am approved before my spouse can send in her/his application for coverage as an Associate Member?

Your spouse can apply at the same time as you. When she/he completes her/his application for Associate Membership, she/he can insert “pending” as your certificate number. If your spouse applies for coverage on her/his own, she/he cannot be covered under your certificate of insurance; only your children could be covered as Dependents.