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What is a REAL ID?

2019-09-13

If you’ve recently renewed your driver’s license, you may be familiar with the term “REAL ID.”  If not, we’ll fill you in. The federal government established REAL IDs — which will replace your current state-issued driver’s license —to meet a set of national minimum standards for state-issued driver’s licenses. Beginning on October 1, 2020, TSA will require you to present a REAL ID to fly within the United States. Federal facilities, including military bases, will also require that you have a REAL ID to gain access. 

According to the Department of Homeland Security, REAL ID does not create a federal database of driver’s license information. Rather, REAL ID is a national set of standards to make identity documents more consistent and secure.   

In accordance with the REAL ID Act H.R. 1268, the minimum issuance standards set by the federal government require showing the following documentation to receive a REAL ID: 

  • A photo ID document, or a document showing the person’s full legal name and date of birth 

  • A document showing the person’s date of birth 

  • Proof of the person’s Social Security number or verification that the person is not eligible for a Social Security number 

  • Documentation showing the person’s name and address of principal residence 

  • Documentation showing the person is a citizen or national of the U.S. or is a legal alien or resident. 

PLEASE NOTE: You should bring certified or original source documents. If your legal name has changed, proof of name change may be required. Proof of residency documents should be recent. 

While the federal government has set minimum issuance standards, requirements vary from state to state. Please check your state’s Department of Motor Vehicles (DMV) website for a list of documents your state requires. If you need help finding this information or have questions, contact an AAFMAA Member Benefits representative at MemberBenefits@aafmaa.com or call 800-522-5221, Select Option 2, then Option 2 again.            

If you are a Veteran, be sure to bring a copy of your DD form 214 with you to the DMV. You are required to present this documentation to have your Veteran status included on your driver’s license.   

Read the full text of the law here.  

Common Questions

Yes, your AAFMAA policy will cover a death related to COVID-19 if you are an existing AAFMAA Member with a policy issued more than two years ago or prior to a COVID-19 diagnosis, even within the first two years the policy is owned. The only exclusion on AAFMAA policies is death by suicide within the first two years.

However it is important to note that death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Contestable death claims are reviewed and subject to denial if we find undisclosed material information that would have changed the outcome of the policy issuance decision.

Yes, if you are applying for a policy that requires medical underwriting, you must disclose a positive COVID-19 diagnosis. Not doing so would be considered material misrepresentation and could result in your policy being voided.

As mentioned above, death claims made against an underwritten policy issued within the last two years are contestable, regardless of the cause of death. Additionally, you don’t have to die for a material misrepresentation to void your contract. The policy can be voided at any point within the first two years if AAFMAA finds that you provided incorrect information about your health history and that the correct information would have prevented us from issuing the policy.

If you were diagnosed with having contracted COVID-19 prior to applying for life insurance and you failed to disclose that diagnosis on your application, your death claim could be denied. This is because, if you had disclosed your COVID-19 diagnosis, we would have followed current industry guidelines and possibly postponed acceptance of your application. In this case, your policy would be voided and your survivors would only receive a refund of the premiums you had paid.

No, the COVID-19 vaccine is classified as a typical wellness check, for which we do not require disclosures and do not deny death claims. We strongly suggest that our Members follow CDC recommendations and receive the COVID-19 vaccination as soon as they are eligible.

Industry guidelines indicate that a COVID-19 diagnosis may postpone acceptance of your application for a period of three weeks to 1 year following recovery, depending on the severity of symptoms and treatment. This timeline is subject to change as new information becomes available and industry guidelines are adjusted accordingly. Those who experience a full recovery may be considered for issue before 12 months, while serious cases (such as those which required a ventilator) may be postponed for longer.

No. Receiving a COVID-19 vaccination will not affect the acceptance of your application.

No, AAFMAA cannot change your premiums or your health classification on a policy you currently hold. Your premiums and health classification will remain the same, even if you have been diagnosed with COVID-19 or you are at a higher risk of exposure due to your job, living situation, or recent travel, or if you get one of the COVID-19 vaccinations approved for emergency use by the USFDA.