FAQ: New Federal Employees

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How much Insurance can I get under Open Enrollment?

You can choose $25,000, $50,000, $75,000, or $100,000 of coverage.

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What are the Eligibility Requirements?

To receive guaranteed issue coverage, you must:

  • Be a newly hired, first-time civilian federal employee
  • Apply within 365 days of your original federal hire date
  • Be a United States citizen under 70 years old

You are not eligible if you have moved from one federal position to another.

Active Members of the US Military are not eligible.

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Are Medical Exams Required?

No. Because the coverage is guaranteed, no exam is required.

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Are there any other benefits?

Travel Accident:
The life insurance plan includes these benefits for accidental death and dismemberment. If death results from a accident while you are riding on a common carrier (such as an airline, bus, train, or ship) as a paying passenger, the benefit will be payable to your beneficiary.

25% of your coverage amount for Accidental Death and Dismemberment (AD&D).
40% of your coverage amount for a Travel Accident.

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What if I need more than $100,000 in coverage?

If you need more than $100,000 in coverage you can apply to increase your WAEPA coverage at any time (depending on your age). You can also apply for coverage for your dependent spouse and children.

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Can I enroll in both WAEPA and Federal Employees Group Life Insurance (FEGLI)?

Yes, you can enroll for both WAEPA and FEGLI at the same time.

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How do I Enroll?

Enrollment for our Guaranteed Issue Group Term Life Insurance is easy. Here’s all you do:

Or to mail in your completed application, do the additional steps below:

  • Include your premium payment and lifetime WAEPA membership fee ($2.00) (make check payable to WAEPA).
  • Mail your payment (and your enrollment form if you did not use the online form with Electronic Signature) to:
    433 Park Avenue
    Falls Church, Virginia 22046

As a WAEPA member, you may be able to save on additional coverage amounts available to you. Find out more by going to this page – Member Life Rate Charts

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