FAQ: Eligibility


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Does WAEPA coverage include death caused by sickness?

WAEPA’s member basic coverage is payable for death caused by sickness, subject to the terms of the group policy.

The group policy contains exclusions in the event of suicide. If an Insured commits suicide, while sane or insane, within 2 years from the date his or her insurance under the policy becomes effective, or the date the coverage is increased, his or her Life Insurance Benefits will be limited to a refund of the premiums paid on his or her behalf. If a Dependent Child commits suicide within 2 years from the date your insurance under the policy becomes effective, or the date the dependent coverage was increased and is survived by other Dependent Children under the same certificate, no refund of premiums will be made.

If an insured dies as a result of a covered accident (until age 85), an additional 20% of the basic coverage is paid to the beneficiary. When a person becomes a member and purchases coverage, they receive a plan booklet and certificate of insurance with details regarding the coverage.

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My spouse is a federal, civilian employee. Am I eligible for insurance coverage through WAEPA, even if my spouse is not insured through WAEPA? If so, is there a dollar limit?

You can purchase coverage as an Associate Member, provided your spouse becomes a non-insured member of WAEPA (Membership Form). She/He does not have to purchase insurance, she/he simply has to complete a membership form and pay a one-time $2.00 membership fee.

WAEPA offers a maximum amount of $1,500,000 coverage, regardless if you are applying as a federal employee, retiree or as an Associate Member.

Please view our complete list of rates for all ages and amounts of coverage available.

 

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Does this insurance cover me if I travel overseas? Accidental Death? Murdered? If so is there literature that states my spouse; and/or designated beneficiary, gets it all or is it automatic?

No matter where in the world you may be, your life coverage is there for you. Life benefits are payable in all types of death; if an insured dies within the first two years of coverage, the full life benefit is paid, provided death is not a result of suicide or the application does not contain incorrect medical/health information (misstatements).

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