When you terminate UW System employment, you may be eligible to continue or convert your benefits.

UW-Shared Services, Service Operations will send you a continuation notice. The notice outlines your continuation or conversion rights to the plans you were enrolled in at the time of termination. Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 if you do not receive one.

If you transfer to a UW institution or State agency, refer to Employment Changes:

If you terminate due to retirement, refer to Employment Changes – Retirement. Click the plans below for more information.

Coverage ends at the end of the month in which your employment terminates.

You may continue coverage by submitting a continuation notice and application to the Department of Employee Trust Funds within 60 days of the coverage end date or the receipt of a continuation notice, whichever is later.

  • If you have less than 20 years of WRS creditable service, coverage may continue for up to 18 months.
  • If you have at least 20 years of WRS creditable service, coverage may continue for life.

Coverage ends at the end of the month in which your employment terminates.

You may continue coverage by submitting a continuation notice and application to Delta Dental within 60 days of the coverage end date or the receipt of a continuation notice, whichever is later.

  • If you have less than 20 years of WRS creditable service, coverage may continue for 18 months.
  • If you have at least 20 years of WRS creditable service, coverage may continue for life.

Coverage ends at the end of the month in which your employment terminates.

You may continue coverage by submitting a continuation notice and application to VSP. This should be done within 60 days of the coverage end date or the receipt of the continuation notice, whichever is later.

  • If you have less than 20 years of WRS creditable service, coverage may continue for 18 months.
  • If you have at least 20 years of WRS creditable service, coverage may continue for life.

Coverage ends at the end of the month in which your employment terminates. You may be eligible to either convert or continue coverage. If you convert coverage to an individual policy, the coverage is more expensive. If you continue coverage, you pay the same premium as active employees.

You are eligible to convert your coverage to an individual policy if you:

  • Are under age 65; and
  • Were insured for the entire six months prior to your termination.

You may convert coverage to an individual whole life insurance policy known as Secure Protector Whole Life. To do so, submit a conversion application, and premium, within 31 days of the coverage end date.

You are eligible to continue your group policy if:

  • Your Wisconsin Retirement System (WRS) coverage began before 1-1-90 or you have been covered under the group life insurance plan for a part of at least 5 calendar years; AND
  • You meet all the requirements for receiving an immediate WRS annuity except the filing of the application; or
  • The sum of your creditable years of WRS service before 1-1-90 plus the number of years you have participated in the life insurance plan after 1989 equals 20 years; or
  • You have 20 years of WRS service on payroll with the State of Wisconsin.

You may continue coverage by submitting an application to the Department of Employee Trust Funds within 31 days of your coverage end date.

Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) for a conversion/continuation application. UW-Shared Services, Service Operations will determine if you are eligible to either convert or continue coverage and will provide you with the appropriate application.

Coverage ends at the end of the month in which your employment terminates.

You may convert coverage to an individual whole life insurance policy. To do so, submit a conversion application and premium to Securian within 31 days of the coverage end date. Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) for a conversion application.

Coverage ends at the end of the month in which your employment terminates.

You may convert coverage to an individual whole life insurance policy. To do so, submit a conversion application and premium to Securian within 31 days of the coverage end date. Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) for a conversion application.

Coverage continues until September 30th following your termination date if the premium is paid through that date.

You may convert coverage to an individual whole life insurance policy. To do so, submit a conversion application and premium to Securian within 31 days of the coverage end date. Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday)for a conversion application.

Note: If terminating due to a documented medical disability, employees may continue coverage at the regular active employment annual rate.

Coverage ends at the end of the month in which your employment terminates.

You may convert your coverage to an individual policy by contacting Zurich American Insurance Company at 1-800-834-1959. This should be done within 60 days of your coverage end date (reference UW System Policy # GTU-8364005). Or contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) for a conversion application.

Coverage ends at the end of the month in which your employment terminates.

You may port coverage by submitting a portability form and application to Securian. This should be done within 31 days of the coverage end date or the receipt of the continuation notice, whichever is later. You may continue coverage until age 70.

The portability form can be accessed on Securian's website under Forms & Documents or by contacting Securian at (855) 750-1906. 

Coverage ends on the date in which your employment terminates. There is no option to continue or convert coverage.

Health Care FSA

At the end of your employment, you have the following options:

  • If you do not contribute your full annual election, you may incur expenses through the end of the month in which your final contribution was made. Expenses incurred after that date will not be reimbursed. This applies to carryover and current plan year FSA funds.
  • If you only have carryover funds from the prior plan year, meaning you are not contributing in the current plan year, expenses must be incurred by your last day of employment.
  • You may continue coverage by 1) contributing the remainder of your annual election via a tax free lump sum contribution taken from your last paycheck (contact your institution human resource office to set up) or 2) making after-tax contribution(s) by paying ETF directly (contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) for an FSA continuation application).
    • If you contribute your full annual election, you can incur eligible expenses through the end of the plan year.

Dependent Day Care

At the end of your employment, you cannot continue to make Dependent Day Care contributions. However, you can continue to incur expenses and request reimbursement until you exhaust your account balance or the end of the plan year, whichever is earlier. Expenses must be submitted by March 31st following the end of the plan year.

At the end of your employment, you may no longer contribute to your HSA via payroll deduction.

However, the money in your HSA is yours. You may continue to use the funds to pay for qualified health, dental and/or vision expenses.

At termination, you may move your HSA to a different HSA administrator or you may keep your HSA with the State of Wisconsin's HSA administrator. If you keep the funds with the State's administrator, a monthly administrative fee will automatically be deducted from your account.

If you end all WRS-covered employment before minimum retirement age* or before you’re vested** in the WRS, you may:

  • Leave your money in the WRS to accumulate interest OR
  • Close your WRS account (Separation Benefit (ET-3101)): This means you are requesting payment of your employee contributions plus interest on those contributions. If you take a separation benefit, you will lose the employer contributions in your account. To request this, contact the Department of Employee Trust Funds.

It is generally in your best interest to leave your contributions in the WRS. If you take a separation benefit and later return to state employment, you must re-serve any waiting periods for benefits.

*Age 55 for most. Age 50 for the Protective WRS category (e.g. law enforcement, fire fighters).

**If you were first covered by the WRS on or after July 1, 2011, you must have 5 years of WRS creditable service to be vested. If you were covered by the WRS prior to July 1, 2011 you are immediately vested.

Contributions will end automatically on your last paycheck. Contact your provider for information about your account and distribution options.

Contributions will end automatically on your last paycheck. Contact Wisconsin Deferred Compensation directly for information about your account and distribution options.

Any remaining vacation, personal holiday, floating legal holiday, or banked leave hours will be paid out on your last check. Or, you may use the remaining leave to extend your time on payroll (with employer approval).

Sick leave is not paid out when you terminate employment. Your sick leave will be lost unless:

  • You return to a leave-earning position at the UW System within your reinstatement period. If this occurs, your sick leave balance will be restored.
    • Faculty, Academic Staff, or Limited Appointees –
      • Must return within 3 years to an Faculty, Academic Staff or Limited appointment; or
      • Must return within 5 years to a University Staff position.
    • University Staff employees must return within 5 years to a leave-earning appointment.
  • You have 20 years of state service under the Wisconsin Retirement System (WRS). This makes you eligible to convert your sick leave to pay for health insurance premiums in retirement. See the Sick Leave Conversion Credit Program for more information.

Beneficiary Designations

Remember to review and update your beneficiary designations when you have a life event to make sure that your benefits are paid according to your wishes. Benefit plans that have beneficiary designations include life insurance plans, retirement plans and the health savings account.

Click here for more information

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

Updated: 06/02/2020