Federal Employees and IRAs Guide

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Individual Retirement Arrangements (IRAs) are a key tool in your retirement savings journey, allowing you to make contributions as you plan for your future post-career. WAEPA’s Federal Employees & IRAs Guide walks you through the different types of IRAs as well as specific considerations for Federal employees.

What You’ll Find in this Guide

What is an Individual Retirement Arrangement (IRA)?
Traditional IRA versus Roth IRA
Getting an IRA “Up and Running”
Conversion of Traditional IRAs and Recharacterizations
Other Uses of IRAs Besides Retirement Savings
Estate Planning and IRAs

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Group Term Life Insurance

Up to $1.5 million in temporary protection for current and former Feds. Fully portable, this coverage goes where you go.

QuickDecision Group Term Life Insurance

With QuickDecision underwriting, eligible applicants can apply online and receive a coverage decision in 30 minutes or less.

Group Short-Term Disability Insurance

Up to $6,500 in monthly paycheck protection for up to six months if you’re unable to work due to a covered illness or injury.

Guaranteed Issue Group Term Life Insurance

New Federal employees can receive up to $100,000 in guaranteed coverage when they apply within their first year without medical exams.

Chronic Illness Rider

A living benefit that can be added to a Group Term Life Insurance policy and offers support if you become permanently chronically ill.

Automatic Benefit Increase Rider

An optional add-on to Group Term Life Insurance that gradually increases your coverage to stay aligned with your changing needs.

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