Disability & Income Replacement Insurance
If you become temporarily or permanently unable to work due to a physical or mental disability, there are a number of different programs available to provide income for you and your family. Contact your benefits office for more information and help applying for benefits.
Income Continuation Insurance (ICI) covers both short and long term disabilities. ICI will replace up to 75% of your gross salary if you are unable to work due to disability. This is the one disability program in which you must enroll if you want coverage.
Long Term Disability Insurance (LTDI) provides a monthly benefit of 40% of your final average earnings until you reach your normal retirement age (typically age 65). You must have a minimum amount of Wisconsin Retirement System (WRS) service of at least 5 of the 7 years prior to your disability to be eligible.
Employees hired before October 16, 1992, who meet certain service requirements, may choose between an LTDI benefit and a WRS disability retirement annuity. A WRS disability retirement annuity is payable for life, calculated on your years of WRS service, the number of years remaining until your normal retirement age, and your three highest years of earnings.
Employees in a protective occupation, like police officers or fire fighters, who became disabled while performing duties associated with their occupation may qualify for a Duty Disability.
If you are injured on the job then you may be eligible for Worker’s Compensation.
You may be eligible for disability payments under Social Security. You must be considered disabled and unable to do any kind of work for which you are suited. Your disability must also last or be expected to last at least a year or result in death.