Administrator
Administrator
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90 Comments (90 New)

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.

 

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90 Comments
New Member

I currently have USAA because I am a child of two retired service members. If I get married, would I be able to add my spouse to my account?

USAA Service
USAA Service

Hello @SmallestDoor756, we truly thank your parents for their military service and passing the membership down to you.  To answer your question about eligibility for a spouse, Yes.  You can pass the eligibility down to your spouse and children.  If you have any questions, you can always call us or chat with if you have any questions.  ~ Marco

Visitor

My friend's father is Navy veteran, but has never joined USAA. If he joins USAA and gets a credit card (no auto or homeowners insurance though), will she (his daughter) be eligible to become a USAA member?

Visitor

I forgot to mention that he is still living (elderly), and his daughter is 60 (so not a dependent).

USAA Service
USAA Service

@maesk, Great question! Your friend's father will only need to establish his eligibility in order to pass his eligibility to your friend. (There is no requirement for him to obtain a product or service in order to do this.) Hope this helps :) ~Danielle

USAA Service
USAA Service

Hello @maesk, please let your friend's father know we truly appreciate their military service.  For eligibility, there is no purchase necessary or accounts required to pass down membership to a spouse and/or children.  Please have your friend's father call USAA at 800-531-8722 to speak with our New Member Team to get him set up with eligibility so he is able to pass down the membership onto your friend and if they have any siblings.  I hope this helps with your inquiry.  ~Marco

New Member

I searched and couldn't find an answer, sorry if it's already been addressed.

 

My wife is a member through me, former military. She is the legal guardian for her grandfather who has dementia. Can he become a member? Banking would be a lot simpler if we all had our accounts at USAA obviously.

 

Thanks for your time!

CupWinner

USAA Service
USAA Service

@CupWinner, thank you for your inquiry regarding membership eligibility. I can understand wanting to have all accounts in one place, however, membership is passed down from generation to generation, so her grandfather would not be eligible. I hope this information helps and please let me know if you have additional questions. Thank you. 

New Member

Hi there I apologize if this has already been answered in the past. 

 

My dad served in the military for him to pass down his USAA benefits (Insurance, Bank etc.) would he have to have a policy with USAA at some point or does he just need to have created an account and listed me as a child? 

 

If the answer is yes does it have to be an auto or home insurance? Does motorcycle insurance qualify?

 

Thanks for your time. 

USAA Service
USAA Service

@Joshku, thank you for your interest in our membership! That's a great question. Typically, if the eligible member established membership with us, the eligibility would be passed on. I highly recommend contacting our eligibility team at 800-531-8722. A specialist will be glad to review further any possible eligibility options. Tricia