{"id":71,"date":"2019-08-09T13:30:17","date_gmt":"2019-08-09T18:30:17","guid":{"rendered":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/?page_id=71"},"modified":"2026-03-24T13:58:00","modified_gmt":"2026-03-24T18:58:00","slug":"premiums","status":"publish","type":"page","link":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/premiums\/","title":{"rendered":"Benefits Premiums"},"content":{"rendered":"\n\t\t\t\t\t<div id=\"cfct-build-71\" class=\"cfct-build grid\">\n\t\t\t\t\t\t<div class=\"row\"><div class=\"col-md-3 cfct-block\">\n\t\t\t<div class=\"cfct-module cfct-supplemental\">\n\t\t\t\t    <div class=\"cfct-mod-content hidden-print\">\n    <nav class=\"widget widget_meta\" >\n\n        <div class=\"menu-cfct-module-93ca3591e73772341e2a325163b6a957-container\"><ul id = \"menu-full-benefits-menu\" class = \"menu nav\"><li id=\"menu-item-22783\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-22783\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/general-employee-info\/\">General Employee Information<\/a><\/li>\n<li id=\"menu-item-7385\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7385\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/\">Health Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7392\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7392\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/health-plan-design\/\">Health Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7391\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7391\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/hdhp\/\">HDHP Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7388\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7388\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/access-plan\/\">Access Health Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7387\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7387\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/access-hdhp\/\">Access HDHP Plan Design<\/a><\/li>\n\t<li id=\"menu-item-12975\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12975\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/pharmacy-benefits\/\">Pharmacy Benefits<\/a><\/li>\n\t<li id=\"menu-item-11780\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-11780\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/opt-out\/\">Opt-Out Incentive<\/a><\/li>\n\t<li id=\"menu-item-7393\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7393\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/select-a-plan\/\">How To Choose Your Health Insurance Plan<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7396\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7396\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/\">Dental &amp; Vision Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-10563\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-10563\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/uniform-dental\/\">Uniform &amp; Preventive Dental Insurance<\/a><\/li>\n\t<li id=\"menu-item-10566\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-10566\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/suppdental\/\">Supplemental Dental Insurance<\/a><\/li>\n\t<li id=\"menu-item-7399\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7399\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/vision\/\">Vision Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-8103\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-8103\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/\">Life Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7406\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7406\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/sgl\/\">State Group Life Insurance<\/a><\/li>\n\t<li id=\"menu-item-7403\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7403\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/if\/\">Individual &amp; Family Life Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-15934\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-15934\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/\">AD&amp;D and Accident Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7402\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7402\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/add\/\">Accidental Death &amp; Dismemberment Insurance<\/a><\/li>\n\t<li id=\"menu-item-15065\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-15065\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/accident\/\">Accident Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-13604\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-13604\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/\">Disability and Income Continuation<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-13609\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13609\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/ici\/\">Income Continuation Insurance<\/a><\/li>\n\t<li id=\"menu-item-13608\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13608\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/disret\/\">Disability Retirement Program<\/a><\/li>\n\t<li id=\"menu-item-13607\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13607\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/duty\/\">Duty Disability<\/a><\/li>\n\t<li id=\"menu-item-13606\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13606\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/workcomp\/\">Worker\u2019s Compensation<\/a><\/li>\n\t<li id=\"menu-item-13605\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13605\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/ss\/\">Social Security Disability<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-8100\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-8100\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/\">Spending &amp; Savings Accounts<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7408\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7408\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/fsa\/\">Flexible Spending Accounts<\/a><\/li>\n\t<li id=\"menu-item-8102\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8102\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/hsa\/\">Health Savings Account<\/a><\/li>\n\t<li id=\"menu-item-8101\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8101\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/parking-transit\/\">Parking &amp; Transit Accounts<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7412\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7412\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/\">Retirement Plans<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7411\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7411\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/wrs\/\">Wisconsin Retirement System<\/a><\/li>\n\t<li id=\"menu-item-7413\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7413\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/srp\/\">UW 403(b) Supplemental Retirement Program<\/a><\/li>\n\t<li id=\"menu-item-7410\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7410\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/wdc\/\">Wisconsin Deferred Compensation 457 Program<\/a><\/li>\n\t<li id=\"menu-item-11481\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-11481\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/sick-leave-credit-conversion-program\/\">Sick Leave Credit Conversion Program<\/a><\/li>\n\t<li id=\"menu-item-7414\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7414\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/ssm\/\">Social Security and Medicare<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7416\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7416\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/\">Leave Benefits<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7423\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7423\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/vacation\/\">Vacation<\/a><\/li>\n\t<li id=\"menu-item-7420\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7420\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/ph\/\">Personal Holiday<\/a><\/li>\n\t<li id=\"menu-item-7417\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7417\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/holidays\/\">Legal Holidays<\/a><\/li>\n\t<li id=\"menu-item-7421\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7421\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/sick\/\">Sick Leave<\/a><\/li>\n\t<li id=\"menu-item-27331\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27331\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/paid-parental-leave\/\">Paid Parental Leave<\/a><\/li>\n\t<li id=\"menu-item-7427\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7427\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/fmla\/\">Family &amp; Medical Leave<\/a><\/li>\n\t<li id=\"menu-item-7419\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7419\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/misc\/\">Miscellaneous Leave Provisions<\/a><\/li>\n\t<li id=\"menu-item-7424\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7424\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/meddonation\/\">Bone Marrow and Human Organ Donation<\/a><\/li>\n\t<li id=\"menu-item-7425\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7425\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/catastrophic\/\">Catastrophic Leave<\/a><\/li>\n\t<li id=\"menu-item-7418\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7418\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/military\/\">Military Leave<\/a><\/li>\n\t<li id=\"menu-item-9585\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-9585\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/reporting\/\">Leave Reporting<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7893\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7893\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/\">Other Benefits<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-12441\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12441\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/529-college-savings-plan\/\">529 College Savings Plan<\/a><\/li>\n\t<li id=\"menu-item-12440\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12440\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/educationalreimbursement\/\">Career-Related Educational Reimbursement<\/a><\/li>\n\t<li id=\"menu-item-12439\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12439\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/lifestyle\/\">Lifestyle Benefits Program<\/a><\/li>\n\t<li id=\"menu-item-12438\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12438\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/long-term-care-insurance\/\">Long-Term Care Insurance<\/a><\/li>\n\t<li id=\"menu-item-22096\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-22096\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/public-service-loan-forgiveness-program\/\">Public Service Loan Forgiveness Program<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7598\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7598\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/\">Life Events<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-13782\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13782\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/empcha\/\">Employment Changes<\/a><\/li>\n\t<li id=\"menu-item-13783\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13783\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/famchng\/\">Family Changes<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7428\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7428\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/premiums\/\">Benefits Premiums<\/a><\/li>\n<li id=\"menu-item-27142\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27142\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/formspubs\/\">Forms &amp; Resources<\/a><\/li>\n<li id=\"menu-item-7429\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7429\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/contact\/\">Benefits Contacts<\/a><\/li>\n<\/ul><\/div>    <\/nav>\n<\/div>\n\n\t\t\t<\/div><\/div><div class=\"col-md-9 cfct-block\">\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><div id=\"toc\" class=\"uwsa-toc callout hidden-print\"><\/div><style>@media (min-width: 768px) {#toc { max-width: 40%} <\/style><script>jQuery(document).ready(function() {\n \t\t\t\t\tgenerateTOC(\"Benefits Premiums\", \"\", \"div.entry-content\" ,2 ,\"true\", \"toc\");\n \t\t\t\t\t });<\/script>\n<h2>Overview<\/h2>\n<p>The premiums for the benefits plans are outlined below.<\/p>\n<p>Benefits premium amounts listed are monthly amounts. Premiums are deducted from twenty four paychecks a calendar year or the first two paychecks each month (the amount listed in the charts divided by two).<\/p>\n<p>&nbsp;<\/p>\n<h2>Benefits Premiums<\/h2>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-tabs-accordions\">\n\t\t\t\t    <div class=\"bs-accordion \">\n        <div id=\"b2po9\" class=\"panel-group\">\n        \n            <div class=\"panel panel-default \" id=\"panel_state-group-health-insurance\">\n    <div class=\"panel-heading\" id=\"heading_state-group-health-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#state-group-health-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"state-group-health-insurance\">State Group Health Insurance<\/button><\/h4>    <\/div>\n    <div id=\"state-group-health-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_state-group-health-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <p>\u00a0<\/p><table class=\"table-bordered\" style=\"width: 972px\"><tbody><tr style=\"height: 15px\"><th style=\"width: 261px;text-align: center;height: 21.5469px\" scope=\"col\"><p><strong>2026 <\/strong><strong>Monthly <br \/>Employee Premiums <\/strong><\/p><p>(without Uniform Dental)<\/p><\/th><th style=\"width: 119px;text-align: center;vertical-align: middle;height: 15px\" colspan=\"2\" scope=\"col\"><p><strong>Health Plan<\/strong><br \/>(WRS benefits package)<\/p><\/th><th style=\"width: 273px;text-align: center;vertical-align: middle;height: 15px\" colspan=\"2\" scope=\"col\"><p><strong>High Deductible Health Plan (HDHP)<\/strong><br \/>(WRS benefits package)<\/p><\/th><th style=\"width: 117.052px;text-align: center;vertical-align: middle;height: 15px\" colspan=\"2\" scope=\"col\"><p><strong>Health Plan<\/strong><br \/>(Graduate Assistant \/ Short-Term Academic Staff benefits package)<\/p><\/th><\/tr><tr style=\"height: 15px\"><th style=\"width: 261px;text-align: center;height: 21.5469px\" scope=\"col\">\u00a0<\/th><td class=\"table-light-gray\" style=\"width: 21px;vertical-align: middle;text-align: center;height: 22px\"><strong>Individual<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 98px;vertical-align: middle;text-align: center;height: 22px\"><strong>Family<\/strong><\/td><td style=\"width: 116px;text-align: center;height: 22px\"><strong>Individual<\/strong><\/td><td style=\"width: 157px;text-align: center;height: 22px\"><strong>Family<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 117.052px;text-align: center;height: 22px\"><strong>Individual<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 151.948px;text-align: center;height: 22px\"><strong>Family<\/strong><\/td><\/tr><tr style=\"height: 41px\"><td style=\"width: 261px;height: 41px\" scope=\"col\"><p><strong>Health Plan &amp; HDHP<br \/><\/strong>(excludes Access Plans)<\/p><\/td><td class=\"table-light-gray\" style=\"width: 21px;text-align: center;height: 41px\">$128.00<\/td><td class=\"table-light-gray\" style=\"width: 98px;text-align: center;height: 41px\">$318.00<\/td><td style=\"width: 116px;text-align: center;height: 41px\">$45.00<\/td><td style=\"width: 157px;text-align: center;height: 41px\">$111.00<\/td><td class=\"table-light-gray\" style=\"width: 117.052px;text-align: center;height: 41px\">$64.00<\/td><td class=\"table-light-gray\" style=\"width: 151.948px;text-align: center;height: 41px\">$159.00<\/td><\/tr><tr style=\"height: 54px\"><td style=\"width: 261px;height: 54px\" scope=\"col\"><p><strong>Access Health Plan &amp; Access HDHP<br \/><\/strong><\/p><\/td><td class=\"table-light-gray\" style=\"width: 21px;height: 54px;text-align: center\">$331.00<\/td><td class=\"table-light-gray\" style=\"width: 98px;height: 54px;text-align: center\">$822.00<\/td><td style=\"width: 116px;height: 54px;text-align: center\">$248.00<\/td><td style=\"width: 157px;height: 54px;text-align: center\">$615.00<\/td><td class=\"table-light-gray\" style=\"width: 117.052px;height: 54px;text-align: center\">$165.50<\/td><td class=\"table-light-gray\" style=\"width: 151.948px;height: 54px;text-align: center\">$411.00<\/td><\/tr><tr style=\"height: 24px\"><td style=\"width: 261px;height: 24px\" scope=\"col\"><p><strong>Access Health Plan &amp; Access HDHP<br \/><\/strong>(if required to\u00a0work outside of WI)<\/p><\/td><td class=\"table-light-gray\" style=\"width: 21px;height: 24px;text-align: center\">$198.00<\/td><td class=\"table-light-gray\" style=\"width: 98px;height: 24px;text-align: center\">$497.00<\/td><td style=\"width: 116px;height: 24px;text-align: center\">$115.00<\/td><td style=\"width: 157px;height: 24px;text-align: center\">$290.00<\/td><td class=\"table-light-gray\" style=\"width: 117.052px;height: 24px;text-align: center\">$99.00<\/td><td class=\"table-light-gray\" style=\"width: 151.948px;height: 24px;text-align: center\">$248.50<\/td><\/tr><\/tbody><\/table><h5>Additional Premium Information<\/h5><p>University Staff employees need to complete two months of WRS State\/Universities of Wisconsin service prior to being eligible for the <em>employer contribution<\/em> towards health insurance. Coverage would be effective on the first of the month on or after completion of two months of WRS State\/Universities of Wisconsin service. University Staff employees that would like State Group Health Insurance <em>prior to<\/em> being eligible for the employer contribution may enroll; however, will pay <em>100% of the total premium<\/em> until they have two months of WRS State\/Universities of Wisconsin service.<\/p><p>Employees covered by the WRS working less than 50% and University Staff Temporary employees with one appointment pay 50% of the total premium.<\/p><p><strong>2026 Total Premiums:<\/strong><\/p><ul><li><a href=\"https:\/\/etf.wi.gov\/its-your-choice\/2026\/state-employee-and-retiree-health-plan-supplemental-benefits\/health-insurance-employees-cobra-and-retirees-without-medicare\/health-care-premiums\/health-plan-total-premium-rates-employees-continuants-retirees-without-medicare\" target=\"_blank\" rel=\"noopener\">For Employees, Continuants, and Retirees without Medicare<\/a><\/li><li><a href=\"https:\/\/etf.wi.gov\/its-your-choice\/2026\/state-employee-and-retiree-health-plan-supplemental-benefits\/health-insurance-employees-cobra-and-retirees-without-medicare\/health-care-premiums\/health-plan-total-premium-rates-uw-grad-students\" target=\"_blank\" rel=\"noopener\">For Graduate Assistants and Short-term Academic Staff<\/a><\/li><\/ul><p>Reminder: Crafts workers are eligible for the employer share towards their health insurance.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_dental-insurance-uniform-preventive-and-supplemental\">\n    <div class=\"panel-heading\" id=\"heading_dental-insurance-uniform-preventive-and-supplemental\">\n        <h4 class=\"panel-title\"><button href=\"#dental-insurance-uniform-preventive-and-supplemental\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"dental-insurance-uniform-preventive-and-supplemental\">Dental Insurance (Uniform, Preventive and Supplemental)<\/button><\/h4>    <\/div>\n    <div id=\"dental-insurance-uniform-preventive-and-supplemental\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_dental-insurance-uniform-preventive-and-supplemental\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <table class=\"table-bordered\" style=\"width: 818px\"><tbody><tr style=\"height: 64px\"><th style=\"width: 163px;height: 64px;text-align: center;vertical-align: middle\" scope=\"col\"><p><strong>2026 <\/strong><strong>Monthly<br \/><\/strong><strong>Employee Premiums<\/strong><\/p><\/th><th style=\"width: 113px;height: 64px\" scope=\"col\"><p><strong>Uniform Dental*<br \/><\/strong>(eligible if also enrolled in State Group Health)<\/p><\/th><th style=\"width: 101px;height: 64px\" scope=\"col\"><strong>Preventive Dental<\/strong> <br \/>(eligible if not enrolled in State Group Health)<\/th><th style=\"width: 107px;height: 64px\" scope=\"col\"><p><strong>Supplemental Dental <\/strong>- PPO Select<\/p><\/th><th style=\"width: 102px;height: 64px\" scope=\"col\"><strong>Supplemental Dental<\/strong> - PPO Plus Premier Select Plus<\/th><\/tr><tr style=\"height: 30px\"><td style=\"width: 163px;height: 30px\" scope=\"col\"><strong>Individual<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 113px;height: 30px\">$4.00<\/td><td class=\"table-light-gray\" style=\"width: 101px;height: 30px\">$37.18<\/td><td style=\"width: 107px;height: 30px\">$9.08<\/td><td style=\"width: 102px;height: 30px\">$22.24<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 163px;height: 39px\" scope=\"col\"><strong>Individual + Spouse<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 113px;height: 39px\">$11.00<\/td><td class=\"table-light-gray\" style=\"width: 101px;height: 39px\">$92.98<\/td><td style=\"width: 107px;height: 39px\">$18.16<\/td><td style=\"width: 102px;height: 39px\">$44.52<\/td><\/tr><tr style=\"height: 38px\"><td style=\"width: 163px;height: 38px\" scope=\"col\"><strong>Individual + Child(ren)<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 113px;height: 38px\">$11.00<\/td><td class=\"table-light-gray\" style=\"width: 101px;height: 38px\">$92.98<\/td><td style=\"width: 107px;height: 38px\">$12.24<\/td><td style=\"width: 102px;height: 38px\">$41.32<\/td><\/tr><tr style=\"height: 35px\"><td style=\"width: 163px;height: 35px\" scope=\"col\"><strong>Family<\/strong><\/td><td class=\"table-light-gray\" style=\"width: 113px;height: 35px\">$11.00<\/td><td class=\"table-light-gray\" style=\"width: 101px;height: 35px\">$92.98<\/td><td style=\"width: 107px;height: 35px\">$21.76<\/td><td style=\"width: 102px;height: 35px\">$68.18<\/td><\/tr><\/tbody><\/table><p>*The Universities of Wisconsin contributes toward the premium.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_vision-insurance\">\n    <div class=\"panel-heading\" id=\"heading_vision-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#vision-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"vision-insurance\">Vision Insurance<\/button><\/h4>    <\/div>\n    <div id=\"vision-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_vision-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <table style=\"width: 310px\"><thead><tr><td style=\"width: 274px;text-align: center\" colspan=\"2\"><strong>2026<br \/>Monthly Employee Premiums<\/strong><\/td><\/tr><\/thead><tbody><tr><td style=\"width: 274px\"><strong>Individual<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0 \u00a0$4.72<\/td><\/tr><tr class=\"table-light-gray\"><td style=\"width: 274px\"><strong>Individual + Spouse<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0 \u00a0$9.40<\/td><\/tr><tr><td style=\"width: 274px\"><strong>Individual + Child(ren)<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0$10.60<\/td><\/tr><tr class=\"table-light-gray\"><td style=\"width: 274px\"><strong>Family<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0$16.94<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin does not contribute toward the premium.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_state-group-life-insurance\">\n    <div class=\"panel-heading\" id=\"heading_state-group-life-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#state-group-life-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"state-group-life-insurance\">State Group Life Insurance<\/button><\/h4>    <\/div>\n    <div id=\"state-group-life-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_state-group-life-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <p>State Group Life Insurance premiums are based on your age as of April 1st each year, your highest calendar year of eligible earnings, and your elected coverage level(s).<\/p><p>Basic coverage is the first unit of coverage. Supplemental coverage is the second unit of coverage. Additional coverage of one to three units can be elected. Each unit of coverage is equal to your highest prior calendar year's actual earnings rounded up to the nearest thousand.<\/p><p>To calculate your premium divide your coverage amount (your highest prior calendar year's actual earnings rounded up to the nearest thousand) by $1,000 and multiply the result by the rate per $1,000 for the coverage level(s) for your age bracket listed in the chart below.<\/p><table style=\"width: 1624px\"><tbody><tr><td class=\"table-dark-gray\" style=\"text-align: center;vertical-align: middle;width: 1531px\" colspan=\"4\"><h6>Monthly Employee Premiums and Coverage Levels<br \/>Effective April 1, 2026<\/h6><\/td><\/tr><tr><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 318px\">Age as of April 1<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 394px\">Basic and Supplemental<br \/>Rate per $1,000<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 368.125px\"><p>Additional<br \/>Rate per $1,000<\/p><\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 450.875px\"><p>Spouse &amp; Dependent Coverage<\/p><\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">Under age 40<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.06<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.09<\/td><td style=\"text-align: center;vertical-align: middle;width: 450.875px\" rowspan=\"3\">One Unit of Coverage:<br \/>$2.10 for $10,000 Spouse <br \/>and $5,000 for each child<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">40-44<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.09<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.13<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">45-49<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.15<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.22<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">50-54<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.24<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.35<\/td><td style=\"text-align: center;vertical-align: middle;width: 450.875px\" rowspan=\"4\">Two Units of Coverage:<br \/>$4.20 for $20,000 Spouse <br \/>and $10,000 for each child<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">55-59<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.33<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.49<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">60-64<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.44<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.66<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 318px\">65-69<\/td><td style=\"text-align: center;vertical-align: middle;width: 394px\">$0.58<\/td><td style=\"text-align: center;vertical-align: middle;width: 368.125px\">$0.84<\/td><\/tr><\/tbody><\/table><table><tbody><tr><td class=\"table-dark-gray\" style=\"text-align: center;vertical-align: middle\" colspan=\"2\"><h6>Over age 70 Additional Coverage\u00a0<br \/>Effective April 1, 2026<\/h6><\/td><\/tr><tr><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle\">Age as of April<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle\">Rate per $1,000<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">70<\/td><td style=\"text-align: center;vertical-align: middle\">$1.00<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">71<\/td><td style=\"text-align: center;vertical-align: middle\">$1.15<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">72<\/td><td style=\"text-align: center;vertical-align: middle\">$1.25<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">73<\/td><td style=\"text-align: center;vertical-align: middle\">$1.45<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">74<\/td><td style=\"text-align: center;vertical-align: middle\">$1.60<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">75<\/td><td style=\"text-align: center;vertical-align: middle\">$1.80<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">76<\/td><td style=\"text-align: center;vertical-align: middle\">$1.95<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">77+<\/td><td style=\"text-align: center;vertical-align: middle\">$2.06<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin contribution for basic coverage is 65.25% of the employee-paid premium. The employer contribution for supplemental coverage is 37.25% of the employee-paid premium. The premiums listed in the chart above are the employee portion of the premium.<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>State Group Life Insurance premiums are based on your age as of April 1st each year, your highest calendar year of eligible earnings, and your elected coverage level(s).<\/p><p>Basic coverage is the first unit of coverage. Supplemental coverage is the second unit of coverage. Additional coverage of one to three units can be elected. Each unit of coverage is equal to your highest prior calendar year's actual earnings rounded up to the nearest thousand.<\/p><p>To calculate your premium divide your coverage amount (your highest prior calendar year's actual earnings rounded up to the nearest thousand) by $1,000 and multiply the result by the rate per $1,000 for the coverage level(s) for your age bracket listed in the chart below.<\/p><table style=\"width: 1609px\"><tbody><tr style=\"height: 89px\"><td class=\"table-dark-gray\" style=\"text-align: center;vertical-align: middle;width: 1267px;height: 89px\" colspan=\"4\"><h6>Monthly Employee Premiums and Coverage Levels<br \/>Effective April 1, 2025<\/h6><\/td><\/tr><tr style=\"height: 73px\"><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 262px;height: 73px\">Age as of April 1<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 334px;height: 73px\">Basic and Supplemental<br \/>Rate per $1,000<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 73px\"><p>Additional<br \/>Rate per $1,000<\/p><\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 365.172px;height: 73px\"><p>Spouse &amp; Dependent Coverage<\/p><\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">Under age 40<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.06<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.08<\/td><td style=\"text-align: center;vertical-align: middle;width: 365.172px;height: 117px\" rowspan=\"3\">One Unit of Coverage:<br \/>$2.10 for $10,000 Spouse<br \/>and $5,000 for each child<\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">40-44<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.08<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.13<\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">45-49<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.14<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.21<\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">50-54<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.23<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.34<\/td><td style=\"text-align: center;vertical-align: middle;width: 365.172px;height: 148.047px\" rowspan=\"4\"><p>Two Units of Coverage:<br \/>$4.20 for $20,000 Spouse<br \/>and $10,000 for each child<\/p><\/td><\/tr><tr style=\"height: 31.0469px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 31.0469px\">55-59<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 31.0469px\">$0.31<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 31.0469px\"><p>$0.46<\/p><\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">60-64<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.42<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.63<\/td><\/tr><tr style=\"height: 39px\"><td style=\"text-align: center;vertical-align: middle;width: 262px;height: 39px\">65-69<\/td><td style=\"text-align: center;vertical-align: middle;width: 334px;height: 39px\">$0.55<\/td><td style=\"text-align: center;vertical-align: middle;width: 305.828px;height: 39px\">$0.80<\/td><\/tr><\/tbody><\/table><table style=\"width: 1618px\"><tbody><tr><td class=\"table-dark-gray\" style=\"text-align: center;vertical-align: middle;width: 768.609px\" colspan=\"2\"><h6>Over age 70 Additional Coverage\u00a0<br \/>Effective April 1, 2025<\/h6><\/td><\/tr><tr><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 768.609px\">Age as of April<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle;width: 845.391px\">Rate per $1,000<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">70<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.00<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">71<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.15<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">72<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.25<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">73<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.45<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">74<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.60<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">75<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.80<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">76<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$1.95<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle;width: 768.609px\">77+<\/td><td style=\"text-align: center;vertical-align: middle;width: 845.391px\">$2.06<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin contribution for basic coverage is 65.25% of the employee-paid premium. The employer contribution for supplemental coverage is 37.25% of the employee-paid premium. The premiums listed in the chart above are the employee portion of the premium.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_individual-family-life-insurance\">\n    <div class=\"panel-heading\" id=\"heading_individual-family-life-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#individual-family-life-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"individual-family-life-insurance\">Individual &amp; Family Life Insurance<\/button><\/h4>    <\/div>\n    <div id=\"individual-family-life-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_individual-family-life-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <p>Individual &amp; Family Life Insurance employee and spouse\/domestic partner coverage premium is based on the your age as of January 1<sup>st<\/sup> each year and your coverage level. You can enroll in employee and spouse\/domestic partner coverage in $5,000 increments. You can enroll in child coverage in $2,500 increments.<\/p><p>Individual &amp; Family Life Insurance initial enrollment coverage levels are $20,000 employee, $10,000 spouse\/domestic partner, and $5,000 child. Once enrolled, you can increase your coverage amount each year during the Open Enrollment period . Or you may apply to increase coverage at any time through evidence of insurability. The maximum coverage levels are $300,000 employee, $150,000 spouse\/domestic partner, and $25,000 child.<\/p><p>To calculate your premiums, use the <span class=\"doc-icon\"><a class=\"doc-type xlsx\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/i&amp;fcalc(3).xlsx\" target=\"_blank\">Individual & Family Life Insurance Premium Calculator<span class=\"sr-only\"> xlsx<\/span><\/a><\/span>\r\n. Otherwise divide your coverage amount by $1,000 and multiply by the rate per $1,000 for your age bracket listed in the chart below.<\/p><table style=\"width: 811.953px\"><tbody><tr><td class=\"table-dark-gray\" style=\"width: 245px;text-align: center;vertical-align: middle\" colspan=\"3\"><h6>Monthly Employee Premiums*<br \/>Effective January 1, 2025<\/h6><\/td><\/tr><tr class=\"table-blue\"><td class=\"table-light-gray\" style=\"width: 245px;vertical-align: middle;text-align: center\">Age as of January 1<\/td><td class=\"table-light-gray\" style=\"width: 300px;vertical-align: middle;text-align: center\">Employee Coverage<br \/>Rate per $1,000<\/td><td class=\"table-light-gray\" style=\"width: 263.953px;vertical-align: middle;text-align: center\">Spouse \/ Domestic Partner Coverage<br \/>Rate per $1,000<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">27 or under<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.023<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.031<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">28-30<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.025<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.034<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">31-33<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.032<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.043<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">34-36<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.037<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.050<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">37-39<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.045<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.061<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">40-42<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.068<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.092<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">43-45<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.108<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.145<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">46-48<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.130<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.176<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">49-51<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.181<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.245<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">52-54<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.232<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.314<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">55-57<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.323<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.436<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">58-60<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.403<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.528<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">61-63<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.556<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.658<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">64-66<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$0.799<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$0.918<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">67-69<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$1.117<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$1.278<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">70-72<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$1.724<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$1.981<\/td><\/tr><tr><td style=\"width: 245px;text-align: center;vertical-align: middle\">73+<\/td><td style=\"width: 300px;text-align: center;vertical-align: middle\">$2.466<\/td><td style=\"width: 263.953px;text-align: center;vertical-align: middle\">$2.831<\/td><\/tr><\/tbody><\/table><p>*Child coverage premium is $0.070 per $1,000 of coverage.<\/p><p>Employee coverage must be elected to enroll in Spouse\/Domestic Partner and\/or Child coverage and may not exceed the amount of Employee coverage in effect.<\/p><p>The Universities of Wisconsin does not contribute towards the premium.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_accidental-death-dismemberment-insurance\">\n    <div class=\"panel-heading\" id=\"heading_accidental-death-dismemberment-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#accidental-death-dismemberment-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"accidental-death-dismemberment-insurance\">Accidental Death &amp; Dismemberment Insurance<\/button><\/h4>    <\/div>\n    <div id=\"accidental-death-dismemberment-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_accidental-death-dismemberment-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <p>\u00a0<\/p><table><tbody><tr><td class=\"table-dark-gray\" style=\"text-align: center;vertical-align: middle\" colspan=\"3\"><h6>Monthly Employee Premiums<br \/>Effective January 1, 2026<\/h6><\/td><\/tr><tr><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle\">Coverage Level<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle\">Individual Coverage<\/td><td class=\"table-light-gray\" style=\"text-align: center;vertical-align: middle\">Family Coverage<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$25,000<\/td><td style=\"text-align: center;vertical-align: middle\">$0.60<\/td><td style=\"text-align: center;vertical-align: middle\">$0.93<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$50,000<\/td><td style=\"text-align: center;vertical-align: middle\">$1.20<\/td><td style=\"text-align: center;vertical-align: middle\">$1.85<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$100,000<\/td><td style=\"text-align: center;vertical-align: middle\">$2.40<\/td><td style=\"text-align: center;vertical-align: middle\">$3.70<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$150,000<\/td><td style=\"text-align: center;vertical-align: middle\">$3.60<\/td><td style=\"text-align: center;vertical-align: middle\">$5.55<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$200,000<\/td><td style=\"text-align: center;vertical-align: middle\">$4.80<\/td><td style=\"text-align: center;vertical-align: middle\">$7.40<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$250,000<\/td><td style=\"text-align: center;vertical-align: middle\">$6.00<\/td><td style=\"text-align: center;vertical-align: middle\">$9.25<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$300,000<\/td><td style=\"text-align: center;vertical-align: middle\">$7.20<\/td><td style=\"text-align: center;vertical-align: middle\">$11.10<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$350,000<\/td><td style=\"text-align: center;vertical-align: middle\">$8.40<\/td><td style=\"text-align: center;vertical-align: middle\">$12.95<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$400,000<\/td><td style=\"text-align: center;vertical-align: middle\">$9.60<\/td><td style=\"text-align: center;vertical-align: middle\">$14.80<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$450,000<\/td><td style=\"text-align: center;vertical-align: middle\">$10.80<\/td><td style=\"text-align: center;vertical-align: middle\">$16.65<\/td><\/tr><tr><td style=\"text-align: center;vertical-align: middle\">$500,000<\/td><td style=\"text-align: center;vertical-align: middle\">$12.00<\/td><td style=\"text-align: center;vertical-align: middle\">$18.50<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin does not contribute towards the premium.<\/p><p>If you enroll in Family coverage, the benefit amount of your family member(s) coverage will be a percentage of the employee benefit amount. Domestic partners are eligible for this plan.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_accident-insurance\">\n    <div class=\"panel-heading\" id=\"heading_accident-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#accident-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"accident-insurance\">Accident Insurance<\/button><\/h4>    <\/div>\n    <div id=\"accident-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_accident-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <table style=\"width: 310px\"><thead><tr><td style=\"width: 274px;text-align: center\" colspan=\"2\"><strong>2026<br \/>Monthly Employee Premiums<\/strong><\/td><\/tr><\/thead><tbody><tr><td style=\"width: 274px\"><strong>Individual<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0 \u00a0$3.92<\/td><\/tr><tr class=\"table-light-gray\"><td style=\"width: 274px\"><strong>Individual + Spouse<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0 \u00a0$5.58<\/td><\/tr><tr><td style=\"width: 274px\"><strong>Individual + Child(ren)<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0 \u00a0$7.52<\/td><\/tr><tr class=\"table-light-gray\"><td style=\"width: 274px\"><strong>Family<\/strong><\/td><td style=\"width: 87px\">\u00a0 \u00a0$10.98<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin does not contribute toward the premium.<\/p>                <\/div>\n    <\/div>\n<\/div>\n            <div class=\"panel panel-default \" id=\"panel_income-continuation-insurance\">\n    <div class=\"panel-heading\" id=\"heading_income-continuation-insurance\">\n        <h4 class=\"panel-title\"><button href=\"#income-continuation-insurance\" data-toggle=\"collapse\" class=\"collapsed panel-link\" aria-expanded=\"false\" aria-controls=\"income-continuation-insurance\">Income Continuation Insurance<\/button><\/h4>    <\/div>\n    <div id=\"income-continuation-insurance\" class=\"panel-collapse collapse\"  role=\"tabpanel\" aria-labelledby=\"heading_income-continuation-insurance\" role=\"region\">\n        <div class=\"panel-body copy\">            \n            \n        <h5>Faculty, Academic Staff, and Limited Appointees<\/h5><p>Income Continuation Insurance (ICI) premiums for Faculty, Academic Staff and Limited appointees are based on eligible earnings and the elimination period that you elected. Elimination periods are 30, 90, 125, or 180 days. The longer the waiting period, the lower the premium.<\/p><p>Your eligible earnings are evaluated at the end of every calendar year and your premiums are adjusted the following April.<\/p><table style=\"width: 1197px\"><tbody><tr style=\"height: 36.0938px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 36.0938px\" colspan=\"4\"><h6>Monthly Premiums<br \/>Effective April 1, 2026<\/h6><\/td><\/tr><tr style=\"height: 62px\"><td class=\"table-light-gray\" style=\"width: 189px;text-align: center;vertical-align: middle;height: 62px\">Elimination<br \/>Period<\/td><td class=\"table-light-gray\" style=\"width: 331px;text-align: center;vertical-align: middle;height: 62px\">EmployEE Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 334.562px;text-align: center;vertical-align: middle;height: 62px\">EmployER Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 334.438px;text-align: center;vertical-align: middle;height: 62px\">Total Rate<br \/>per $1,000 of Annual Earnings<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 39px\" colspan=\"4\"><strong>Employees with <em>MORE <\/em>than 1 Year of State WRS Service<\/strong><\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">30-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.370<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.590<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">90-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.100<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.320<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">125-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.080<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.300<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">180-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 39px\" colspan=\"4\"><strong>Employees with <em>LESS\u00a0<\/em>than 1 Year of State WRS Service<\/strong><\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">30-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.590<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.590<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">90-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.320<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.320<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">125-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.300<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.300<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">180-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><\/tr><\/tbody><\/table><p><span style=\"float: none;background-color: transparent;color: #333333;cursor: text;font-family: 'Open Sans','Helvetica Neue',Helvetica,Arial,sans-serif;font-size: 14px;font-style: normal;font-variant: normal;font-weight: 400;letter-spacing: normal;text-align: left;text-decoration: none;text-indent: 0px;text-transform: none\">To calculate your premium, use the <span class=\"doc-icon\"><a class=\"doc-type xlsx\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/dis\/ici\/icipremiumcalc.xlsx\" target=\"_blank\">Income Continuation Insurance (ICI) Premium Calculator<span class=\"sr-only\"> xlsx<\/span><\/a><\/span>\r\n.<\/span><\/p><p>The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on the elimination period you elect. For Faculty, Academic, and Limited Appointees below is the percent of gross premium the Universities of Wisconsin contributes based on elimination period elected:<\/p><ul><li>30-day \u2013 37%<\/li><li>90-day \u2013 69%<\/li><li>125-day \u2013 76%<\/li><li>180-day \u2013 100%<\/li><\/ul><h5>University Staff<\/h5><p>Income Continuation Insurance (ICI) premiums for University Staff employees are based on your eligible earnings and your accrued unused sick leave hours (premium category). The more sick leave hours* you retain, the lower your premium.<\/p><p>Your eligible earnings and sick leave balance are evaluated at the end of every calendar year and premiums are adjusted the following April.<\/p><table style=\"width: 1201.56px\"><tbody><tr style=\"height: 42.7031px\"><td style=\"width: 143px;text-align: center;vertical-align: middle;height: 42.7031px\" colspan=\"5\"><h6>Monthly Premiums<br \/>Effective April 1, 2026<\/h6><\/td><\/tr><tr style=\"height: 39px\"><td class=\"table-light-gray\" style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">Premium<br \/>Category<\/td><td class=\"table-light-gray\" style=\"width: 288px;height: 39px;text-align: center;vertical-align: middle\">Sick Leave<br \/>Hours<\/td><td class=\"table-light-gray\" style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">EmployEE Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">EmployER Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">Total Rate<br \/>per $1,000 of Annual Earnings<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">1<\/td><td style=\"width: 288px;height: 39px\">Less than 184 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.710<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.710<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">2<\/td><td style=\"width: 288px;height: 39px\">184 - 519 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.530<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.530<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">3<\/td><td style=\"width: 288px;height: 39px\">80 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.130<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.260<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.390<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">4<\/td><td style=\"width: 288px;height: 39px\">520 - 727 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.060<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.220<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.280<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">5<\/td><td style=\"width: 288px;height: 39px\">728 - 1,040 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.030<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.200<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.230<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">6<\/td><td style=\"width: 288px;height: 39px\">Greater than 1,040 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.230<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.230<\/td><\/tr><\/tbody><\/table><p><span style=\"float: none;background-color: transparent;color: #333333;cursor: text;font-family: 'Open Sans','Helvetica Neue',Helvetica,Arial,sans-serif;font-size: 14px;font-style: normal;font-variant: normal;font-weight: 400;letter-spacing: normal;text-align: left;text-decoration: none;text-indent: 0px;text-transform: none\">To calculate your premium, use the <span class=\"doc-icon\"><a class=\"doc-type xlsx\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/dis\/ici\/icipremiumcalc.xlsx\" target=\"_blank\">Income Continuation Insurance (ICI) Premium Calculator<span class=\"sr-only\"> xlsx<\/span><\/a><\/span>\r\n.<\/span><\/p><p>Premium Category 3 is a special enrollment category. If you have accrued at least 80 hours of unused sick leave during the calendar year as of the last payroll of the year you are eligible for this category (prorated if part-time).<\/p><p>Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category, hours of unused sick leave as of the last payroll of the calendar year, you will not drop to a lower category even if your sick leave balance falls below the category\u2019s threshold.<\/p><p>*University Staff-Temporary employees do not earn sick leave and will always be in Premium Category 1.<\/p><p>The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on your premium category. For University Staff employees below is the percent of gross premium the Universities of Wisconsin contributes:<\/p><ul><li>Category 1 - 0%<\/li><li>Category 2 - 0%<\/li><li>Category 3 - 67%<\/li><li>Category 4 - 77%<\/li><li>Category 5 - 85%<\/li><li>Category 6 - 100%<\/li><\/ul><p>&nbsp;<\/p><p>&nbsp;<\/p><h5>Faculty, Academic Staff, and Limited Appointees<\/h5><p>Income Continuation Insurance (ICI) premiums for Faculty, Academic Staff and Limited appointees are based on eligible earnings and the elimination period that you elected. Elimination periods are 30, 90, 125, or 180 days. The longer the waiting period, the lower the premium.<\/p><p>Your eligible earnings are evaluated at the end of every calendar year and your premiums are adjusted the following April (starting in 2025).<\/p><table style=\"width: 1197px\"><tbody><tr style=\"height: 36.0938px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 36.0938px\" colspan=\"4\"><h6>Monthly Premiums<br \/>Effective April 1, 2025<\/h6><\/td><\/tr><tr style=\"height: 62px\"><td class=\"table-light-gray\" style=\"width: 189px;text-align: center;vertical-align: middle;height: 62px\">Elimination<br \/>Period<\/td><td class=\"table-light-gray\" style=\"width: 331px;text-align: center;vertical-align: middle;height: 62px\">EmployEE Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 334.562px;text-align: center;vertical-align: middle;height: 62px\">EmployER Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 334.438px;text-align: center;vertical-align: middle;height: 62px\">Total Rate<br \/>per $1,000 of Annual Earnings<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 39px\" colspan=\"4\"><strong>Employees with <em>MORE <\/em>than 1 Year of State WRS Service<\/strong><\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">30-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.420<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.660<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">90-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.110<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.350<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">125-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.090<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.330<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">180-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;text-align: center;vertical-align: middle;height: 39px\" colspan=\"4\"><strong>Employees with <em>LESS\u00a0<\/em>than 1 Year of State WRS Service<\/strong><\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">30-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.660<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.660<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">90-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.350<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.350<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">125-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.330<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.330<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 189px;height: 39px;text-align: center;vertical-align: middle\">180-Day<\/td><td style=\"width: 331px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 334.562px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 334.438px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><\/tr><\/tbody><\/table><p>The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on the elimination period you elect. For Faculty, Academic, and Limited Appointees below is the percent of gross premium the Universities of Wisconsin contributes based on elimination period elected:<\/p><ul><li>30-day \u2013 37%<\/li><li>90-day \u2013 69%<\/li><li>125-day \u2013 76%<\/li><li>180-day \u2013 100%<\/li><\/ul><h5>University Staff<\/h5><p>Income Continuation Insurance (ICI) premiums for University Staff employees are based on your eligible earnings and your accrued unused sick leave hours (premium category). The more sick leave hours* you retain, the lower your premium.<\/p><p>Your eligible earnings and sick leave balance are evaluated at the end of every calendar year and premiums are adjusted the following April (starting in 2025).<\/p><table style=\"width: 1201.56px\"><tbody><tr style=\"height: 42.7031px\"><td style=\"width: 143px;text-align: center;vertical-align: middle;height: 42.7031px\" colspan=\"5\"><h6>Monthly Premiums<br \/>Effective April 1, 2025<\/h6><\/td><\/tr><tr style=\"height: 39px\"><td class=\"table-light-gray\" style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">Premium<br \/>Category<\/td><td class=\"table-light-gray\" style=\"width: 288px;height: 39px;text-align: center;vertical-align: middle\">Sick Leave<br \/>Hours<\/td><td class=\"table-light-gray\" style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">EmployEE Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">EmployER Rate<br \/>per $1,000 of Annual Earnings<\/td><td class=\"table-light-gray\" style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">Total Rate<br \/>per $1,000 of Annual Earnings<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">1<\/td><td style=\"width: 288px;height: 39px\">Less than 184 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.790<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.790<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">2<\/td><td style=\"width: 288px;height: 39px\">184 - 519 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.590<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.590<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">3<\/td><td style=\"width: 288px;height: 39px\">80 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.140<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.290<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.430<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">4<\/td><td style=\"width: 288px;height: 39px\">520 - 727 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.070<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.240<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.310<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">5<\/td><td style=\"width: 288px;height: 39px\">728 - 1,040 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.040<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.210<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.250<\/td><\/tr><tr style=\"height: 39px\"><td style=\"width: 143px;height: 39px;text-align: center;vertical-align: middle\">6<\/td><td style=\"width: 288px;height: 39px\">Greater than 1,040 hours<\/td><td style=\"width: 249px;height: 39px;text-align: center;vertical-align: middle\">$0.000<\/td><td style=\"width: 265px;height: 39px;text-align: center;vertical-align: middle\">$0.250<\/td><td style=\"width: 246.562px;height: 39px;text-align: center;vertical-align: middle\">$0.250<\/td><\/tr><\/tbody><\/table><p>Premium Category 3 is a special enrollment category. If you have accrued at least 80 hours of unused sick leave during the calendar year as of the last payroll of the year you are eligible for this category (prorated if part-time).<\/p><p>Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category, hours of unused sick leave as of the last payroll of the calendar year, you will not drop to a lower category even if your sick leave balance falls below the category\u2019s threshold.<\/p><p>*University Staff-Temporary employees do not earn sick leave and will always be in Premium Category 1.<\/p><p>The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on your premium category. For University Staff employees below is the percent of gross premium the Universities of Wisconsin contributes:<\/p><ul><li>Category 1 - 0%<\/li><li>Category 2 - 0%<\/li><li>Category 3 - 67%<\/li><li>Category 4 - 77%<\/li><li>Category 5 - 85%<\/li><li>Category 6 - 100%<\/li><\/ul>                <\/div>\n    <\/div>\n<\/div>\n            \n    <\/div>\n<\/div>\n\n\n\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Additional Information<\/h2>\n<p>The deduction schedule can be accessed on the <a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/payroll\/#ds\" target=\"_blank\" rel=\"noopener\">Payroll web page<\/a>.<\/p>\n<p>Information on paying premiums while on a leave of absence can be found on the Employment Life Events <a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/empcha\/loa\/\" target=\"_blank\" rel=\"noopener\">Leave of Absence web page<\/a>.<\/p>\n<p>For information on how premiums are deducted to maintain insurance coverage during the summer for employees paid on an academic year (9-month) basis review the <a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/benefit-prepay-deductions\/\" target=\"_blank\" rel=\"noopener\">Benefit Prepay Insurance Premium Deductions web page<\/a>.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><p><em>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. <\/em><\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module cfct-lastupdate\">\n\t\t\t\t<div class=\"listing-module\"><p><span class=\"item-date\">Updated: 03\/24\/2026<\/span><\/p><\/div>\n\t\t\t<\/div><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/42.6112.php","meta":{"footnotes":""},"class_list":["post-71","page","type-page","status-publish","hentry","cfct-can-haz-build"],"_links":{"self":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/71","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/comments?post=71"}],"version-history":[{"count":26,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/71\/revisions"}],"predecessor-version":[{"id":36980,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/71\/revisions\/36980"}],"wp:attachment":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/media?parent=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}