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Can grandchildren of veterans join usaa?

Can Grandchildren of Veterans Join USAA?

USAA, the United Services Automobile Association, is a leading insurance and financial services company catering to the military community, including veterans and their families. But can their descendants, including grandchildren of veterans, also join and reap the benefits of membership?

Who is Eligible for USAA Membership?

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Before delving into the specifics, let’s understand the eligibility criteria for USAA membership.

Table 1: USAA Eligibility Criteria

Membership TypeEligibility
VeteransMembers who have served honorably in the Army, Navy, Air Force, Marines, Coast Guard, Space Force, and National Guard; Reserve Officers’ Training Corps (ROTC); officer candidates schools (OCS); and Military Academy; and were discharged with at least an honorable discharge or were missing in action
RetireesRetirees with honorable service; veterans who were medically discharged or released early after 24 years of continuous service; and individuals whose spouses died in service, or during retirement or pay benefits (widows(er)s, dependents with service-related injuries)

Are Grandchildren Eligible for USAA Membership?

Now, getting back to the original question: can grandchildren of veterans join USAA?

While the original membership categories prioritize direct relationships (i.e., service members, spouses, dependents), some grandchildren might still qualify.

When Grandchildren Become Eligible

The short answer is that some grandchildren can join USAA as dependents under the right circumstances:

Death in service or within the first five years after the service member’s discharge (Gold Star dependents). The service member has died during service, was discharged due to disability sustained during service, or is missing in action (as mentioned earlier).
Total Disability rating: In cases where a parent/spouse becomes permanently and totally disabled during military service due to injury or disease directly related to service. Some grandchildren can qualify under a "dependency exception."
Family of honorably discharged veteran or retiree (limited time window): Until June 2010, certain grandchildren might be eligible to join USAA if their grandfather, step-grandfather, father-in-law, or uncle/grand-uncle’s military record qualified. Contact USAA to check whether you meet these requirements.

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