Disability & Income Replacement Insurance

Overview

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.

Click on the plan names below to learn more about the disability benefits available to you.

Income Continuation Insurance

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

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.

LTDI Brochure (ET-5108)
LTDI Video

WRS Disability Retirement (40.63)

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.

Disability Retirement Benefits Brochure (ET-5107)
Disability Retirement Benefits (40.63) Video
Disability Benefits Reference Guide

Duty Disability

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.

Duty Disability Brochure (ET-5103)
Duty Disability Video

Worker’s Compensation

If you are injured on the job then you may be eligible for Worker’s Compensation.

Social Security Disability

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.

Premium Waivers

If you become disabled, you may be eligible to continue your State Group Life Insurance, Individual & Family Life Insurance, and Income Continuation Insurance at no cost to you.

Click on the plan below to see if you qualify and how to file a premium waiver.

State Group Life Insurance

Eligibility

  • You are under age 70,
  • You are insured under the State Group Life Insurance program when you become disabled, and
  • You are totally disabled and are likely to be disabled for the indefinite future.

Premium Waiver

  • Notify your institution of your disability as soon as it occurs. Your institution will file your premium waiver.
  • Your premium waiver will take effect once you have stopped receiving earnings from the University, including paid leave.
  • You may only file a premium waiver after termination of employment IF the disability occurred before you terminated. You have 36 months after the last day for which earnings were paid to inform your institution of your disability.
  • Once the premium waiver has been submitted by your institution, Minnesota Life will contact you to request medical documentation.
  • Your premium waiver will remain in effect until your retirement age, usually age 65. If you are still disabled when you reach your retirement age, typically your coverage will automatically continue at a reduced amount for your lifetime.

Individual and Family Life Insurance

Eligibility

  • You are under age 60,
  • You are insured under the Individual and Family Life Insurance program when you become disabled,
  • You are totally disabled for more than six continuous months, and
  • You must continue to pay your premium for the first six months you are off work due to disability.

Premium Waiver

  • Notify your institution of your disability as soon as it occurs. Your institution will file your premium waiver.
  • You may continue the same coverage amount you had while actively employed.
  • As long as you remain disabled, the premium waiver will stay in effect until your 65th birthday or until you fail to furnish proof of your disability.

Income Continuation Insurance (ICI)

Eligibility

  • You have an approved ICI claim and are receiving ICI benefits.

Premium Waiver

  • Notify your institution of your disability and approved ICI benefits. Your institution will process your premium waiver.
  • Your premium waiver will be effective the first of the month on or after the date ICI benefits begin.
  • Your premium waiver will remain in effect through the end of the month in which ICI benefits are terminated.