ASSOCIATE MEMBERSHIP
WAEPA Offers Coverage for Family Members
Apply for up to $1.5 million in Group Term Life Insurance coverage of your own.
Family members of current and former Civilian Federal Employees, including spouses and children, can now apply for their own WAEPA coverage. This includes higher coverage amounts and exclusive member benefits.
Coverage OF YOUR OWN
Benefits of an Associate Membership
Among WAEPA’s many life insurance options for Federal employees, we are proud to offer exclusive coverage to eligible family members of Feds.
Access to Exclusive Rates
As a family member of a current or former Fed, you may be eligible for WAEPA’s exclusive group rates, which can be lower than other insurers.
Higher Coverage Amounts
With an Associate Membership you can apply for up to $1.5 million in Group Term Life Insurance. For spouses and children, this is higher than the dependent coverage limit. You’re also eligible to apply for Group Short-Term Disability Insurance.
Additional Benefits
Becoming an Associate member gives you easy access to unique and useful member benefits, including premium refunds*, free financial planning, and much more.
Why Choose Associate Membership Coverage?
As the spouse, parent/parent-in-law, or adult child/stepchild of a current or former Civilian Federal Employee, you may be eligible for WAEPA’s exclusive protection.
In many scenarios, Associate Membership can provide the coverage that best fits your needs. See if it’s right for you.
Scenario 1
Wendy is married to a Civilian Federal Employee who’s a WAEPA Member. Wendy and her spouse don’t have children, and Wendy is younger than her spouse. Wendy is eligible to join WAEPA as an Associate Member and get coverage based on her age rate. As such, Wendy’s coverage as an Associate Member costs less than her coverage as a dependent on her spouse’s plan, since dependent coverage would be billed at her spouse’s age.
Scenario 2
Kathy’s daughter recently began her career as a Civilian Federal Employee and joined WAEPA. Kathy learns that parents of current and former Federal employees are now eligible to apply for Associate Membership. She chooses to apply for a modest amount of coverage to help provide financial protection for final expenses, giving her and her family additional peace of mind.
Scenario 3
Ethan is insured as a dependent under his father’s WAEPA policy with $25,000 in coverage. As Ethan begins his career, he realizes his financial responsibilities have grown and wants additional protection beyond the dependent coverage available to him. Through Associate Membership, Ethan can apply for up to $1.5 million in Group Term Life Insurance coverage of his own, giving him the flexibility to choose the amount of protection that best fits his needs.
Questions? Call us at (800) 368-3484, M-Th 8:30 a.m. – 6:30 p.m. ET, F 8:30 a.m. – 5 p.m. ET.
Frequently Asked Questions
Why apply for an Associate Membership?
Associate Membership allows eligible family members of current and former Civilian Federal Employees to apply for up to $1.5 million in Group Term Life Insurance coverage of their own. Eligible Associate members may also apply for WAEPA’s Group Short-Term Disability Insurance and enjoy access to exclusive member benefits.
Can I be covered as a dependent instead?
Eligible spouses and children may qualify for dependent coverage under a WAEPA Member’s policy. Parents and parents-in-law are not eligible for dependent coverage but may apply for their own coverage through Associate Membership.
How much coverage is available?
Eligible Associate members may apply for up to $1.5 million in Group Term Life Insurance coverage.
Dependent coverage is available only for eligible spouses and children, up to $500,000 for spouses, and $25,000 for children.
What happens to my existing dependent coverage?
A person cannot be insured under more than one policy with WAEPA at any given time. If you apply for Associate Membership, any existing dependent coverage you may have will end.
Can I be denied coverage?
Yes, you can be denied coverage, depending on underwriting requirements. If you are currently insured as a dependent and apply for more coverage than you currently have, your application could be declined. If that happens, you’ll remain insured under your existing dependent coverage, provided you remain eligible for it.
Who is eligible for Associate Membership?
Eligible Associate members include spouses, adult children, stepchildren, parents, and parents-in-law of current and former Civilian Federal Employees. Additional eligibility requirements and underwriting guidelines apply.
Applying is Simple!
Once you determine the coverage amount for your needs, it’s simple application process to get approved for a WAEPA policy. Our straightforward process ensures you’re guided every step of the way.
Apply for Coverage
Complete your application online. Make sure you have important information available before you start: beneficiaries, Social Security Number, medical history, and payment info.
After Applying
Most applicants apply online and receive a decision in minutes, without any medical exam or blood test.
If additional review is needed, our underwriting team may request more information to complete your application. This process can take 4–6 weeks depending on the information required.
What Happens Next?
Applicants who receive an immediate decision will see their result at the end of the application process. If additional review is needed, we’ll notify you by email or mail once your application has been reviewed.
Disclaimers
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR-FACE/G-30280-0.
WP-AM-0526-29
*Premium refunds are not guaranteed.
**New York and Utah residents are not currently eligible for QuickDecision.
***Group Term Life Insurance is not available in the following U.S. Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
***Louisiana residents: please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.
****Michigan residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
Under the Voluntary Employees’ Beneficiary Association (VEBA) regulations, a VEBA can provide benefits to its members, their dependents, their designated beneficiaries, and other eligible family members. Family members of members can receive benefits from WAEPA, but only if and because their relative is a member. Thus, spouses and other family members cannot participate in our annual Board of Directors election.