USAA Membership Eligibility for Family Members

USAA Community - Eligibility for Family Members.jpg

Updated March 2022

In the USAA Community, we strive to be a trusted place for our members to comment or ask a question about a service USAA provides, connect with other members, or ask questions on military life topics. Each month, we look at the trending topics driven by your questions and comments to address in further detail.

 

This month, we are taking a closer look at top questions regarding USAA membership eligibility for family members.

 

Generally, USAA membership is open to active, retired, and separated veterans with a discharge type of “Honorable” and “General Under Honorable Conditions” from the U.S. military and their eligible family members. Here is what you need to know about USAA eligibility for family members.

 

Who is an eligible family member?

Spouses, widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage, as well as individuals whose parents joined USAA.

 

Are children of my wife (second marriage) eligible for membership?

YES. USAA members can pass membership eligibility to step-children as well as biological children.

 

Are children of deceased parents eligible?

For a child to be eligible, the parent must join USAA while living. Once the parent’s USAA membership is established, membership eligibility can be passed on to the member's children. USAA membership cannot be established posthumously for deceased parents.

 

Can my siblings join?

No. Your USAA membership eligibility cannot be passed to siblings.

 

Are Parents Eligible for USAA?

No. Your USAA membership eligibility cannot be passed to parents.

 

Why these eligibility restrictions?

USAA was founded in 1922 when 25 Army officers came together to insure each other’s automobiles.   Since that time, USAA has continued to grow as a membership-based organization. Our eligibility rules reflect USAA’s primary mission…to be the provider of choice for the U.S. military community and their immediate families. This does not reflect USAA’s opinion concerning the desirability or insurability of other family members but rather, a decision to focus our resources on the current eligibility groups.

 

You can find additional details on USAA eligibility requirements here.

 

Have any questions I can help answer? Please let me know in the comments.

 

 

 

Disclosures: Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible former dependents of USAA members may join USAA.

 

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186 Comments
July registration
Occasional Visitor

Is my son eligible for USAA benefits? Specifically, can he qualify for a USAA mortgage?

Briana Hartzell USAA
Administrator
Administrator

Dear @July registration,

Thanks for your question! Benefits are passed down from parent to child so my initial answer is yes! I have asked a specialist to look into your specific situation and I will post an update as soon as I get an answer. Thanks again for posting here in community!

Briana Hartzell USAA
Administrator
Administrator

Hi @July registration! I just confirmed that yes, your son is eligible. You can add your son under your profile/family members (this option can be found in your personal profile) or have your son call new member solutions at 800-365-USAA (or 800-365-8722).

July registration
Occasional Visitor

Thank you so much, Briana for the quick response! I'll give him the information!

IHWS
New Member

If an eligible member, who has children that are now members, leaves USAA, do the children retain their membership?

Briana Hartzell USAA
Administrator
Administrator

Hi @IHWS

Yes. When a person establishes a membership , they are members for life. Thank you for posting!

LuckyRunner
New Member

How do I establish eligibilty / open accounts for my minor children?

LuckyRunner
New Member

Follow-up question, my spouse is on my account. Does she have her own USAA number now? (i.e., when I pass, will she have any issues maintaining her membership?)

Briana Hartzell USAA
Administrator
Administrator

@LuckyRunner,

 

You can add your children to your account online through your “Profile & Settings” or by calling 1-800-531-8722. When you add your family members, they will then be listed in your profile and be assigned a member number (like in the screen shots below).

Step1 Add Child.png

Step2 Add Child.png

 

Your spouse does have her own member number, you can find It through your personal profile (Your spouse’s name should be listed under “Family Member Information”).

 

I hope this helps! Please let me know if you have any additional questions. Thanks for commenting.

LisaS
New Member

My Wife's father is a member and my wife is a member, is it possible for me to become a memeber via my father in-law?   If so how?

 

Thank you!

Briana Hartzell USAA
Administrator
Administrator

@LisaS,

Thank you for your question! You are eligible through your wife, not your father in law. However, it is best to talk to an eligibility specialist at 1-800-531-8722 to make sure all the details are in order (since we can't discuss specific details about your spouses eligibility in this channel). I hope that helps! Thanks again for posting!

Skipnbtx
Occasional Visitor

I am a vet and USAA member with home/auto/bank. 

 

I understand my children/step children are eligible for membership. Once they become a member are then their children eligible to become members? 

 

Thank you.

Briana Hartzell USAA
Administrator
Administrator

@Skipnbtx Thanks for commenting. Yes, you can pass on membership to your children- who can then pass it to their children! Happy New Year!

Bobbiwasabi
New Member

USAA has been great to my husband and I with home and auto insurance. I am the veteran in the relationship and have been looking into life insurance for me and have noticed other companies doing a “joint life insurance policy”. Is this something offered at USAA? Or is it at least possible to get my husband his own life insurance policy through USAA?

USAA Social Service
USAA Service
USAA Service

@Bobbiwasabi, great question! I will have your inquiry forwarded to a specialist for review! ~ Samantha 

PerfectlyMe240
Occasional Visitor

I have eligibility thru my mother, my spouse thru me, we were wondering does this extend to in-laws on either side? Such as sister, niece or mother-in-laws? TIA

Alan Hawn
Frequent Contributor

You must be insane to Join or recommend USAA it is not what it used to be.  They dont care anymore about military so it is better to use a Federal Credit Union.

Briana Hartzell USAA
Administrator
Administrator

Thank you for your question @PerfectlyMe240. Membership does not pass through in-laws. You mentioned a sister, if it is your sister she would also be eligible through your mother. I hope that helps answer your question. You can always speak with an eligibility specialist by calling 1800-531-8722. Thanks again for taking the time to post!

Sapphiric
New Member

Hello. My cousin because a non-member of USAA since her divorce, can she still get benifits if I add her.

Briana Hartzell USAA
Administrator
Administrator

Hi @Sapphiric,

You cousin may still be eligible despite the divorce. I recommend your cousin call to speak with an eligibility specialist at 1800-531-8722. Thank you!

Shes_A_63Bravo
Occasional Visitor

I see an option for Brother/Sister under "Add a Family Member". If sibligs are not eligible to get a membership through me, a prior servicemember with active USAA membership, then why is it an option?

I don't want to be tricekd into enter his social security number on to be denied, so USAA can market to him. People are leary about entering their SS# and being farmed, documented and tracked.

usaa.jpg

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 I would like to know, in advance, what benefits or services a sibling, niece/nephew are eligible for BEFORE I offer membership. Can they purchase auto, medical, dental, checking, investments, etc.? Is there a document detailing what these non-child/spouses are elibible for? Are they allowed "membership" or just the ability to login and purchase a few services?

USAA Social Service
USAA Service
USAA Service

@Shes_A_63Bravo, thank you for your inquiry. I've sent you a private message with some information. To retrieve the message select your username on the top right-hand corner and click on the envelope icon. Thank you! -Cynthia

RMSF
Occasional Visitor

I find your eligibility rules for former spouses are in need of revision. While widows of former veterans are eligible to avail themselves of your entire suite of products, a spouse who was married to a veteran of 20 years and helped build his/her military career and is eligible for military benefits is not eligible to your entire suite of products. The specific case I am speaking of is of a retired USAF veteran who divorced his wife of 20 years to marry his mistress. Although the ex wife is eligible for military retiree benefits, she is not eligible for all of USAA’s full suite of benefits and is reminded of her non-veteran status by USAA customer service agents. When former spouses who were married to veterans for a certain number of years divorce, the former spouse becomes their own “sponsor” and no longer has to use their former spouse’s social security number. I would say this is just, fair, and provides dignity. Your current policy strips that former spouse of their dignity and further punctuates the situations under which a spouse was divorced. I encourage you to reexamine your current policy and make things right for women discarded after many years of service to their family and spouse who serves. 

bklawn
Visitor

Question, I was married to a member that mother was in the Army, My ex-wife was a member and i became a member with accounts under USAA. I got a divorce and got married again, I still have all benefits as before correct?

Briana Hartzell USAA
Administrator
Administrator

Hi @bklawn, You are correct and have the same benefits as before. Thank you for taking the time to post!

Roy27
New Member

Hello, so I joined as a member today and my wife tried joining as well. It did not let her create her own log in but when I log in to my membership, it shows me that she has a USAA number like I do. Does my log in work for the both of us or can she create her own?

USAA Social Service
USAA Service
USAA Service

Hi Roy! You're wife has the option of creating her own log in as well. We would love to help her out over the phone. When ready, our New Member department can be reached at, 210-531-8722. Thank you!

guy44
New Member

Is there any indication/future plans  about adding a parent for membership eligibility?

USAA Social Service
USAA Service
USAA Service

@guy44, currently there are no plans in the works, but we do review our eligibility periodically. If and when this happens, our members will be the first to know. Thank you for your inquiry! -Cynthia

TNmachinist
Occasional Visitor

Eligibility query: 

I am the widowed spouse of an honorably discharged active duty service member. If...someday...I remarry, will I lose my eligibility and membership? 

USAA Social Service
USAA Service
USAA Service

@TNmachinist -Hi, I'm sorry for your loss, good question. If you were a USAA member before your spouse passed then you get to retain your membership with USAA. If your spouse did not establish membership before they passed then you would need to join USAA before remarrying. Not all widow(er)s are eligible unfortunately. Eligibility may be extended to an un-remarried widow(er) of a veteran who never established membership and who: Retired from the military, including medical retirement, or passed away while actively serving (including National Guard & Reserve) in the military, regardless of cause of death. ~Shawna

hotrodvr
New Member

I’m a veteran that joined USAA when I was still active duty. I still use USAA and it’s my primary bank. Would my parents be eligible to join? 

 

There’s just so many stipulations and contradictions.  For example, here on this site specifically it says the siblings are not eligible. Yet...  almost every day I see that commercial where that soldier is at his sister’s restaurant. He then mentions she’s eligible because he’s a member.  See what I mean? Contradictions. That’s why I’m asking if my parents would be eligible?  

USAA Social Service
USAA Service
USAA Service

@hotrodvr, Thank you for reaching out to us. I understand you would like your parents to be eligible for USAA services. I will engage a subject matter expert to review further and we will follow up with you. 

RMSF
Occasional Visitor

Former Military Spouse benefits DENIED. No one answered my first post. I will restate my question/comment.

I have USAA Insurance. My father (retired USAF), my father's wife, my brother (Active Duty Army), and my sister (Army Reservist) all have USAA Insurance and Banking products. 

 

My mother - married to my father for 20 years during his USAF career, and not remarried - was denied USAA Auto and Renter's Insurance based on (in my opinion) an outdated, discriminatory, and sexist set of USAA rules and guidelines. While my father's current wife was able to obtain all USAA products, my mother was not. I find this reprehensible because USAA's business model and paradigm is based on Military service members and family members. It also includes family members that are no longer married to the service member due to death - widowed. However, it makes no exception, provision, or consideration for former spouses who served alongside the service member to build a home and their career. Generally, the military provides these former spouses military benefits such as medical, commissary, base exchange, ID card, and MWR access. This is in recognition of the marriage and the years of service that this spouse gave the military member and our nation. My understanding is that the marriage must have been 10+ years. Basically, "we consider you an extension of your military spouse and thank you for your service". In addition, upon retirement, these former spouses receive plaques to thank them for their service. Furthermore, newer military regulations stipulate that former spouses no longer must be attached to the former servicemember's social security number and "Sponsor" (the military term for the service member) and become their own "Sponsor" using their own Social Security number when accessing military benefits. This also restores dignity to the former spouse. 

 

USAA however, clings to an outdated business model and rules and does not recognize my mother's 20 year contribution, former marriage union, her service to the United States by building a home and supporting my father, or any other efforts. USAA Insurance is a desirable product and I am grateful to have mine via father-son access. However, I find it myopic to deny my mother access to the entire suite of products based on the previous. I find it sends a message of "you are disposable". 

 

I will not mince words - my father divorced my mother after 20 years to marry his mistress. His mistress became his legal wife and obtained the full suite of USAA and military benefits. USAA offered my mother access to USAA banking; and while a competitive product - it is hardly the most competitive bank. As a society, we must ensure women are protected in these cases and are not punished by these misogynistic behaviors. This sends a message that women are disposable. If the Military is able to recognize the service of former spouses, I think USAA should do the same. Many great business schools such as Johns Hopkins University are teaching moral and ethical business models that "Teach Business with Humanity in Mind" (Johns Hopkins Carey Business School).  

 

Moreover, let's turn our attention to statistics and world events. The current cycle of wars has put a strain on military marriages which have already or will end in divorce. This means more former spouses (especially women) will be denied USAA insurance coverage under current rules. How long is too long? How long until these rules are revisited and changed to do the right thing? My specialization is Finance and Accounting (BSBA and MSF) and my research indicates that the cost to change this regulation is negligence. If anything, USAA would be accepting a population of paying customers into its portfolios and increasing its revenues. 

 

I have respectfully made this request via phone, and on this message board. I was ignored on one occasion and on the other I was quoted the USAA regulation. I am submitting the request again and asking USAA to do the right thing and revisit this regulation or at least conduct a business case. My next alternative will be social media, Congress, and the media. 

 

Submitted with respect.

USAA Social Service
USAA Service
USAA Service

@RMSF, This is very concerning. Thank you for sharing your input and thoughts. Your time and feedback are taken seriously and very important. I'm forwarding your information and post to our Subject Matter Experts for additional review and handling. ~ Shane

RMSF
Occasional Visitor

@usaa social service:

 

Thank you for posted a reply to my post. Is there a formal process to file a concern? Is there a timeline? Will I receive a formal response to my post? I searched for emails or a forum and found nothing. I searched for emails to write the Board of Directors and CEO - I also found nothing. I searched for a mechanism for shareholders or USAA members to provide formal feedback - and found nothing. In absence of formal channels, I contacted my Congressman and Senators. My hope is they are able to find a formal channel response and obtain a response and accountability since USAA is opperating under United States banking and insurance laws and regulations. 

 

As you noted, my first message post went without a response. When I called USAA, I was basically read the regulation. No empathy and no offer to provide me with substantive mechanisms to provide feedback or advocate change. I was further emphasized that USAA is a privately held company with no ties to the Armed Forces or Public Stock Market. They were founded by officers and were not subject to military regulations. However sometimes things change. — I find that somewhat duplicitous since USAA’s business model leverages its relationship with the Military and their families to create revenue. Furthermore, USAA should make a better effort to mirror positive Military regulations - not only the ones that generate larger revenue streams and positive financial ratios. 

 

What disheatened me the most is that USAA has always had great customer service when I have called in for varios reasons - from address changes, to a power outage that left me without groceries, to how to roll over my IRA, how to obtain student loans, to insuring my camera equipment. Always polite and helpful. But when I brought my mother’s  issue to the attention of the customer service agent - I was met with a curt, robotic, and unempathetic response. I am guessing that this person does not understand that behind every service member is a spouse who is helping raise children, build their military spouse’s career, build a home while they are deployed or on remote assignment so that service member can serve in their official capacity. [That would be the spouse that always appears front and center in USAA’s commercials. And the spouse who gets retirement and military benefits when a divorce or death occurs - because the United States recognizes their service - and ensures their wellbeing both financially, emotionally, and physically.] Unfortunately, USAA does not unless they were a member while married. Not taking into consideration that due to a myriad of reasons neither spouse might have not signed up for membership with USAA. I can think of three examples - lack of internet and knkwledge of USAA’s existence during the era before the 1990’s; being stationed abroad with different banking and insurance laws; a fixed income that considered USAA a luxury before USAA expanded its suite of products and began to compete in the internet economy.

 

The particular situation I am referring to is compunded by a former spouse with an current retiree military ID card, military privileges, and served their family with distinction. 

 

This policy makes no logical sense. Furthermore, I can only surmise that offering a banking package is only grounded in a desire for a revenue stream and assets that move through a checking ans savings account. Because these retirees have Social Security and part time job checks that do not fail to be deposited. 

 

Please let me know how this process is supposed to unfold, the timeline, and how to provide formal feedback. My ideal outcome would be to inform all my friends and family via social media that USAA took all the merits of the situation and did the moral thing and stood by former military spouses caught in this particular situation. 

 

Best regards. 

T5S_SOTY
Occasional Visitor

Complex question: 

 

I am a member (joined when I was active duty). When my daughter was 16 (before getting a license) she moved to Texas to finish High School from her mom's home. She's now 21 and taking college courses in Michigan (I'm in Florida). 

 

Can I add her and her vehicle to my policy, or can she start a USAA policy today?

 

Thanks...

USAA Social Service
USAA Service
USAA Service

Great questions @@T5S_SOTY, I will be glad to help and have sent you a PM with additional information to proceed     ~ Joseph

only in michigan
Contributor

I've been a member for 20 years and have had the home & auto insurance but changed due to cost went up to much. I also found out my children are not allowed to use the insurance you offer unless they live in my home, so being he is 34 lives in his own home he is NOT eligible. We live in Michigan can you please explain this?

only in michigan
Contributor

@ wrote:

USAA Community Eligibility for Family Members.jpg

In the USAA Community, we strive to be a trusted place for our members to comment or ask a question about a service USAA provides, connect with other members, or ask questions on military life topics. Each month, in our “You Asked, We Answered” (YAWA) series, we look at the trending topics driven by your questions and comments.

 

This month, we are taking a closer look at top questions regarding USAA membership eligibility for family members.

 

Generally, USAA membership is open to active, retired, and separated veterans with a discharge type of “Honorable” from the U.S. military and their eligible family members. Here is what you need to know about USAA eligibility for family members.

 

Who is an eligible family member?

Spouses, widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage, as well as individuals whose parents joined USAA.

 

Are children of my wife (second marriage) eligible for membership?

YES. USAA members can pass membership eligibility to step-children as well as biological children.

 

Are children of deceased parents eligible?

For a child to be eligible, the parent must join USAA while living. Once the parent’s USAA membership is established, membership eligibility can be passed on to the member's children. USAA membership cannot be established posthumously for deceased parents.

 

Can my siblings join?

No. Your USAA membership eligibility cannot be passed to siblings.

 

Are Parents Eligible for USAA?

No. Your USAA membership eligibility cannot be passed to parents.

 

Why these eligibility restrictions?

USAA was founded in 1922 when 25 Army officers came together to insure each other’s automobiles.   Since that time, USAA has continued to grow as a membership-based organization. Our eligibility rules reflect USAA’s primary mission…to be the provider of choice for the U.S. military community and their immediate families. This does not reflect USAA’s opinion concerning the desirability or insurability of other family members but rather, a decision to focus our resources on the current eligibility groups.

 

You can find additional details on USAA eligibility requirements here.

 

Have any questions I can help answer? Please let me know in the comments.

 

 

 

Disclosures: Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of "Honorable". Eligible former dependents of USAA members may join USAA.

 

 [removed sensitive data] - 0518



I've been a member for 20 years and have had the home & auto insurance but changed due to cost went up to much. I also found out my children are not allowed to use the insurance you offer unless they live in my home, so being he is 34 lives in his own home he is NOT eligible. We live in Michigan can you please explain this?

USAA Social Service
USAA Service
USAA Service

Hello @Only in Michigan, thank you for your 20 years of membership.  I am really concerned with the experience you shared, I'd like the opportunity to help review and help answer any questions or concerns you have about our membership.  Eligibility is extended to those military members who have retired or separated from the U.S. military with a discharge type of Honorable.  Once membership is established by the eligible military member, they are able to pass membership down to their spouse and children.  Please send me a Private Message to help review your membership a little further.  I appreciate you sharing and I look forward to hearing from you soon.  ~ Marco

oscotto
Contributor

Can this be updataed to be gender neutural? Thanks so much, USAA

Ice4
Occasional Visitor

I am a retriered DoD employee am I eligible for USAA Ins, finance, ect.

Thank you

USAA Social Service
USAA Service
USAA Service

Thank you for your interest in USAA insurance and banking! Eligibility is open to active duty, guard or reserve, a veteran or eligible family member. Unfortunately, membership does not include Department of Defense employees at this time. Please let us know if you have any additional questions regarding membership. ~ Rick

Briana Hartzell USAA
Administrator
Administrator

@oscotto Absolutely. I have started the change process and the article will be updated shortly. I appreciate your comment and feedback! Keep it coming please!

Chellie1167
Occasional Visitor

I am a USAA member can my childs spouse join and get car insurance with USAA?

USAA Social Service
USAA Service
USAA Service

Hi @Chellie1167! We certainly appreciate your interest extending membership to your child's spouse. USAA membership and products are available to military members, veterans who have an honorable discharge and their eligible family members. To learn more, please enter "Eligibility" on the search box on top of this page or have them visit us at http://usaa.us/2oVxD6F. Thanks! ~ Stacy 

KungFu619
Frequent Visitor

They forgot roommates. I know a handful of USAA clients that joined as roommates. Ironic they allow this, but now siblings. 

 

 

USAA Social Service
USAA Service
USAA Service

Hi @KungFu619! Roommates may be eligible for USAA products and services if they're active military, a veteran who have an honorable discharge and an eligible family member. Eligible members aren't able to sponsor their siblings since the legacy of membership is passed down from parent to child.  Once the parent’s USAA membership is established, the legacy of membership eligibility can be passed on to the member's children.  Hope this helps! Please let us know if you have any additional questions.  ~ Stacy 

Stvmcl
New Member

I have become Durable Power of Attorney for my disabled sister, Hon discharged Lt. Col/Army, also a USAA member. Am I elegible to recieve the additional military benefits/discounts from USAA, as if I was active or retired servicemember?