WAEPA WAEPA Term Life Policy / FEGLI Term Life Program Comparison Chart
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1 WAEPA WAEPA Term Life Policy / FEGLI Term Life Program Comparison Chart WAEPA Life Comments FEGLI Life Comments Group Participating Yes premium Program refunds available to insureds, as and when declared. Enrollment Age Eligibility Limit Yes Up to Age 65. No Age Limit FEGLI Program Booklet available at: Age Termination Yes Age 85. No Age Limit. Date of Hire Initial Eligibility Period* 365 days. 60 days. *FEGLI program excludes certain federal employees (e.g. non-us citizens employed overseas; a corporation supervised by Farm Credit Admin.) and includes certain District of Columbia employees (e.g. judicial and nonjudicial employees of D.C. courts). Guaranteed Issue Yes - $100,000. Yes 5 Xs pay. Evidence of Insurability Initial Enrollment Period Yes amounts over $100,000. Not required during Initial Eligibility Period. (Required outside of Life Status Change periods.) Late Entrant Yes with Evidence of Insurability. No waiting period. Yes with Evidence of Insurability with 1 year waiting period since last waiver of Belated Elections Allowed Yes with Evidence of Insurability. Yes, within 6 months of initial eligibility for reasons beyond control of Employee. Life Status Change - Member Elections Yes 90 day Eligibility Period, full elections Both plans allow adding a spouse upon marriage or dependent child upon birth. available under Optional B (up to 5 Xs salary for Employee) & C s (dependents). Open Enrollment Periods ( Open Seasons ) Only as announced. Not regularly scheduled. Only as announced. Not regularly scheduled. Employer Paid Yes - limited to 1/3 For Postal Employees, USPS pays
2 Voluntary (Optional) Waiver of Premium Benefit Insurance - Disability - USERRA Terminal Illness Benefit Age Reductions (ADEA) Yes - all coverage is voluntary. Yes - 25%-50% of benefit option. Age-based Maximum Levels apply. WAEPA Plan Age 60 $250,000 Age 65 $125,000 Age 70 $75,000 Age 75 $50,000 Age 80 $25,000 Age 85 - $0.00 of premium cost for FEGLI Basic level coverage (See link above for Basic coverage calculation). Yes - must elect Basic coverage to enroll for Voluntary Yes 12 month period, unless disability is workrelated. Direct pay. Yes 12 months, no premium required. Yes 12 months, no premium required. Yes - as to Basic coverage only. No - for Active Employees. Applies to postretirement coverage only. 100% of Basic FEGLI provides 12 months Disability Continuation with premium waived. FEGLI Plan (Post Retirement or Age 65, whichever is later) Basic (3 Options): - 75% Reduction, no further premium payment required. - 50% Reduction, increased premium level. - No Reduction, increased premium level. Optional : Option A 75% Reduction (2% reduction per month down to 25% of preretirement No further premium payment required once coverage starts to reduce.) Options B and C Full Reduction (2% per month down to $0. No further premium payment required once coverage starts to reduce.) - No Reduction (Active Employee rates still apply). Suicide Exclusion Yes - within two (2) years of effective date, or the date coverage is increased.
3 Limits Member: $750,000 Spouse: $250,000 Dep Child: $25,000 Employee: Dollar limit based on individual pay. Max - 6 Xs pay. increases as pay increases. Spouse: $25,000 Dep Child: $12,500 Extra Benefit Yes under age 45, as to Basic. Termination of Pre-Retirement Group Post-Retirement Group Dependent - Spouse - Cancellation of Group Policy. - Non-payment of premium/cancellation of - Member reaches age 85 - Spouse reaches age 75 - no longer a Member - entry into Armed Forces - death. Dependent Child reaches age 26. (Associate Member coverage available thereafter.) Yes coverage can be continued while Membership is maintained. To age 85. No length-of-coverage requirement. Units of $10,000 to $250,000 Max, subject to Age-Based Max levels. WAEPA Plan Age-Based Max: Depending on plan selected: Age 60 -$120,000 Age 65 - $60,000 Age 70 - $30,000 Age 75 - $0 - Cancellation of. - separation from federal employment months after non-pay status. - retirement, unless continued. - insufficient pay. - transfer to Excluded Position, unless excepted. - for annuitants, termination of annuity. - death. No - Conversion to individual policy is required to keep Direct pay. No age limit. 5 yr length-of-coverage requirement. Units of $5000 to $25,000 Max, depending on multiple of pay selected by Employee for Optional FEGLI Age Multiplication Factor (AMF) applied to increase Basic coverage between ages without additional premium due. AMF= 2.0 at age 35 and under. Decreases 1/10 each year to age Children Yes - from 14 days of age, unmarried, primarily supported Yes - from live birth, unmarried, dependent and
4 by Member and under age 26 (and adult disabled children age 26 and over). under age 22 (and adult disabled children age 22 and over). Domestic Partner Non-Dependent Accidental Death & Dismemberment (AD&D) ** Common Carrier Premium Payment - Payroll Deduction Units of $1000 to $25,000 Max, depending on age and plan selected. Adult Children with Associate Membership. Yes 20% of Amount, up to $150,000, subject to Age-Based Maximums. Included with Yes 40% of Amount, up to age 65. Included with Yes - while actively working. Domestic partner coverage not available in Virginia. Units of $2500 to $12,500 Max, depending on multiple of pay selected by Employee. Yes - with Basic and Option A ($10k) only. Yes - while actively working. - Direct Billing - Bank Acct (auto withdrawal) - E-Bill Assignments Permitted. Permitted. Incontestability Period Yes - 2 years Yes - 2 years
5 **AD&D Exclusions WAEPA: suicide; attempted suicide; injuring oneself on purpose; voluntary self-administration of drug not in accordance with doctor s directions; sickness, disease or bodily infirmity; war; commission of a felony; flight in experimental, military or above-atmosphere aircraft, flight as pilot or crew; in experimental, military or above-atmosphere aircraft, flight as pilot or crew; work-related injuries; injuries resulting from intoxication (according to laws of jurisdiction where injury occurs); injuries from prolonged exposure, cumulative trauma and repetitive motion; while performing police duty as member of military. FEGLI: physical or mental illness; diagnosis/treatment of physical or mental illness, ptomaine or bacterial infection, except by accidental external wound; war; armed aggression/insurrection while acting as an actual combatant; suicide; attempted suicide; injuring oneself on purpose; illegal drugs; driving while intoxicated. This comparison is for informational purposes only. FEGLI program information is based on publicly available information as of October 1, 2014 and was not provided by FEGLI or the federal government. For more information about WAEPA plan benefits, view the WAEPA Plan Summary. For more information about FEGLI, visit the program website or view the program booklet. The WAEPA group term life policy is underwritten by Life Insurance Company of North America and is not endorsed by the federal government.
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