Termination

When your employment is terminated, you may be eligible to continue or convert your benefits, but you must notify your benefits office of your termination so they can provide you with the correct forms.

If you are transferring from a UW institution or State agency, refer to Employment Changes – Transfer to UW institution or State agency.

If you are terminating due to retirement, refer to Employment Changes – Retirement.

Click on the benefit plans below to see what options you have at termination.

State Group Health Insurance

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

You may continue coverage by submitting a continuation form to the Department of Employee Trust Funds within 60 days of the coverage end date or the receipt of a continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

  • 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.

EPIC Benefits+

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

You may continue coverage by submitting a continuation form to EPIC Life Insurance Company within 60 days of the coverage end date or the receipt of a continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

  • 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.

Dental Wisconsin

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

You may continue coverage for 18 months by submitting a continuation form to EPIC Life Insurance Company within 60 days of the coverage end date or the receipt of a continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

VSP Vision Insurance

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

You may continue coverage for 18 months by submitting a continuation form to VSP within 60 days of the coverage end date or the receipt of a continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

State Group Life Insurance

Coverage ends at the end of the month following the month 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 that active employees pay.

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

  • You are under age 65; and
  • You were insured for the entire six months prior to your termination.

You must submit a conversion form to Minnesota Life within 31 days of your coverage end date. Contact your institution’s benefits office for a conversion form.

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 service on payroll with the State of Wisconsin.

You must submit a continuation form to the Department of Employee Trust Funds within 31 days of your coverage end date. Contact your institution’s benefits office for a continuation form.

Individual and Family Life Insurance

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

You may convert your coverage to an individual policy by submitting a conversion form to Minnesota Life within 31 days of your coverage end date. Contact your institution’s benefits office for a conversion form.

UW Employee’s Inc. Life Insurance

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

You may convert your coverage to an individual policy by submitting a conversion form to Minnesota Life within 31 days of your coverage end date. Contact your institution’s benefits office for a conversion form.

University Insurance Association (UIA) Life Insurance

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

You may convert your coverage to an individual policy by submitting a conversion form to Minnesota Life within 31 days of your coverage end date. Contact your institution’s benefits office for a conversion form.

Accidental Death and Dismemberment Insurance

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 within 60 days of your coverage end date (reference UW System Policy # GTU-8364005).

Income Continuation Insurance

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

Employee Reimbursement Account (ERA)

Health Care FSA

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

    • If you do not contribute your annual election amount, you may incur expenses through the end of the month in which your last paycheck is paid. Any expenses incurred after that date will not be reimbursed.
    • If you contribute your full annual election amount, you may continue to incur expenses through the end of the plan year.
      • You can have the remainder of your election taken pre-tax on your final paycheck(s); or
      • You can continue your coverage and send payment directly to the Department of Employee Trust Funds. Contact your institution’s benefits office for a continuation form. The continuation form and payment must be received by ETF within 60 days of your coverage end date or the date on the continuation notice, whichever is later.

Dependent DAY Care FSA

Upon the end of your employment, you cannot continue dependent care contributions. You can continue to request reimbursement for eligible expenses until you exhaust your account or until the end of the plan year, whichever comes first, even if you have not contributed the full annual election amount.

Tax-Sheltered Annuity 403(b) Program

Contributions will end automatically on your last paycheck. Contact your investment company(s) for information about your account and distribution options.

Wisconsin Deferred Compensation 457 Program

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

Wisconsin Retirement System

If you end all WRS-covered employment before your minimum retirement age [age 55 for most, age 50 for those under Protective WRS category (e.g. law enforcement, fire fighters)] or before you’re vested* in the WRS, you can either leave your money in the WRS to accumulate interest or close your WRS account (separation benefit) by requesting payment of your employee-required contributions and any interest on those contributions. If you take a separation benefit, you will lose any employer-required contributions in your account.

See the ETF Brochure Separation Benefits for more information.

To request a Separation Benefits, 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.

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

Paid Leave

Any remaining vacation, personal holiday, floating legal holiday, or sabbatical/ALRA hours will be paid out to you on your last check.  You may also use the remaining leave to extend your time on payroll (Unclassified Faculty, Academic Staff and Limited appointees need supervisor approval).

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

  • You return to a leave-earning position at the UW within your reinstatement period, then your sick leave balance will be restored to you.
    • Classified employees must return within 5 years to any leave-earning appointment.
    • Unclassified Faculty, Academic Staff, Limited –
      • Must return within 3 years to an Unclassified Faculty, Academic Staff or Limited appointment; or
      • Must return within 5 years to a Classified position
  • You have 20 years of state service under the Wisconsin Retirement System (WRS), which makes you eligible to convert your sick leave to pay for health insurance in retirement. See the Sick Leave Conversion Credit page and estimator for more information.
Classified project employees who never attained permanent status:  Sick leave hours will be lost upon the termination of each project position.
Every effort has been made to ensure this information is current and correct. This page does not guarantee enrollment or the ability to make changes to your benefits.