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Dedicated to Civilian Federal Employees since 1943

Dedicated to Civilian Federal Employees since 1943

FAQ: Coverage Options


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Can I add a Dependent to my WAEPA Certificate?

Yes. To add dependent coverage for a spouse or child, simply submit an application selecting spouse and/or children.

Additionally, a spouse can be covered for more insurance as an Associate Member and usually for considerably less. Unless a spouse is 10 or more years older than the Member, in which case, it would be more cost effective to have a spouse covered as a Dependent.

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How much insurance coverage is available to me?

You may apply for up to $1.5 million of Group Term Life Insurance for yourself, and up to $500,000 of dependent coverage for your spouse. Alternatively, your spouse may apply for up to $1.5 million if they apply as an Associate Member.

Eligible, Dependent children may be insured for up to $25,000 depending on the level of spousal coverage selected. Dependent spouse coverage is limited to 50% of the member’s coverage.

 

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What type of insurance does WAEPA provide? And for what period?

WAEPA member coverage is Group Term Life Insurance, the term being to age 85. The rates change in 5-year increments, and the maximum amount of coverage available begins to reduce starting at age 60.

There is no need to reapply for coverage each year; it automatically renews annually.

View the Complete List of Rates for all ages and amounts of coverage available.

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What happens to my WAEPA coverage and rates after age 60?

Our rates change in 5 year increments and the maximum amount of coverage available begins to reduce starting at age 60. Our Plan Description outlines the maximum amounts of coverage for all age groups.

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