Overview

The Income Continuation Insurance (ICI) program is an “income replacement” benefit plan that provides up to 75% of your gross salary (based on a maximum salary of $120,000/year) if you become ill or injured and you are unable to work.

The ICI plan is administered by the Department of Employee Trust Funds (ETF) and claims are processed by Aetna.

If you file an ICI claim, benefit payments will begin after you meet your designated elimination period or use of your sick leave up to a maximum of 130 days, whichever is longer. There are two ICI plan designs that are offered. The plan that you are offered will depend upon your employee type.

  • University Staff employees have a 30-day elimination period.
  • Faculty, Academic Staff, and Limited Appointees may choose a 30-day, 90-day, 125-day or 180-day elimination period. As you accumulate more sick leave, you may want to lengthen your elimination period.
See the Income Continuation Insurance Plan Brochure for plan details.

Eligibility

You must meet the following requirements to be eligible for this plan:

  • Are eligible for coverage under the Wisconsin Retirement System (WRS),
  • Be under age 70 at the time initial eligibility, and
  • Are not receiving a Wisconsin Retirement System annuity.

Enrollment

Initial Enrollment

You have 30 days from your date of employment or your newly benefits-eligible job to enroll in the Income Continuation Insurance program.

When will coverage be effective?
  • University Staff employees: Coverage is effective on the first day of the month on or after your date of employment or your newly benefits-eligible job.
  • Faculty, Academic Staff and Limited Appointees may choose their coverage effective date to be:
    1. The first of the month on or following your hire date.  You will pay the total premium for the first 12 months of coverage (not eligible for employer contribution for 12 months); or
    2. After 12 months of State/UW WRS service. You will be eligible for the employer contribution towards your premium.

Deferred Enrollment

If you do not enroll in Income Continuation Insurance when you are initially eligible, you may have an opportunity to enroll once your sick leave balance reaches certain levels.

University Staff Employees

If you do not enroll when you are initially eligible, you will have a deferred enrollment opportunity to enroll in ICI the first time you are eligible for:

  • Premium Category 3 (accumulate at least 80 hours of sick leave during year – prorated if part-time)
  • Premium Category 4 (have 520 hours of sick leave at end of year)
  • Premium Category 5 (have 728 hours of sick leave at end of year)

You will be given a deferred enrollment opportunity to enroll in ICI in any year (into Premium Category 6):

  • You have at least 1,040 hours of sick leave at the end of the year.

You will also be given the opportunity to select supplemental ICI coverage if you are eligible.

Your institution will notify you of your deferred enrollment eligibility and you will be required to submit the Income Continuation Insurance Application (ET-2307) by March 1 of the following year. Coverage is effective on April 1.

Faculty, Academic Staff and Limited Appointees

If you do not enroll in ICI when you are initially eligible, you will be given a chance to enroll in any year you have at least 1,040 hours of sick leave at the end of the year.

Your institution will notify you of your deferred enrollment eligibility and you will be required to submit the Income Continuation Insurance Application (ET-2307) by March 1 of the following year. Coverage is effective on April 1.

Evidence of Insurability

If you do not enroll in ICI during your initial 30-day enrollment period, you may apply for coverage at any time through Evidence of Insurability (acceptance not guaranteed). Coverage is effective on the first of the month on or following the approval of your application by the plan’s underwriter.

Coverage

If unable to work due to disability, the ICI program provides payment to you of up to 75% of your earnings (based on a maximum salary of $120,000/year).

The ICI program has two different levels of coverage.

  • Standard ICI covers the first $64,000 of earnings.
  • Supplemental ICI covers earnings between $64,001 and $120,000.

When Benefits are Payable

Your ICI benefit will begin after you exhaust your accumulated sick leave, up to a maximum of 130 working days or serve your elimination period, whichever is longer.

University Staff employees have a 30-day elimination period. Faculty, Academic Staff and Limited appointees select an elimination period of 30, 90, 125, or 180 days.

The elimination period begins on the first full day that you are continuously and completely absent from work due to disability. If you return to work during your elimination period, even to perform incidental work at your employer’s request, your elimination period may be extended. Before performing any work during your elimination period you should discuss the issue with your claims representative at Aetna.

How to File a Claim

You may file a claim up to 30 days before your anticipated last day worked but no more than 12 months from your last day in pay status. Contact Aetna at 1-800-960-0052 to begin your claims process. See the Plan Brochure for more information.

Premiums

For Income Continuation Insurance premiums, see the Premiums page.

Forms & Resources


last updated: 12/9/16

Every effort has been made to ensure this information is current and correct. This page does not guarantee enrollment or the ability to make changes to your benefits.