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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 Davie Miller for more information or assistance in applying for your benefits.
If you think you may qualify for one of these programs, don't hesitate to apply! The sooner you learn about your options, the better.
See ETF's web site on Disability Benefits for more information.
Income Continuation Insurance (ICI) covers both short- and long-term disabilities and provides you with income while you are temporarily or permanently unable to work. The program is a voluntary self-insured disability insurance program for state employees. It is authorized by Wisconsin Statute §40.62 and administered by a third party claims administrator under a contract with the Group Insurance Board.
If you become physically or mentally disabled, ICI will replace 75% of your gross salary (up to a maximum benefit of $1,840 bi-weekly for Classified staff and $4,000 per month for Unclassified employees). Benefits are offset by payments available to you from other state, federal, or employer-sponsored programs.
If you become permanently and totally disabled while you are employed in a WRS-covered position, you may qualify, depending on your date of hire, for one or both of the disability programs administered by the Department of Employee Trust Funds (ETF):
Long-term Disability Insurance (LTDI) pays a monthly benefit until you reach normal retirement age. You can then begin drawing your regular WRS retirement annuity. Your basic monthly LTDI benefit is 40% of your final average salary. Your final average salary is the total of your three highest years of earnings divided by 36. If you are not eligible for Social Security benefits based on your own employment, your basic LTDI benefit will be 50% of your final average salary.
To be eligible for an LTDI benefit you must be disabled by a mental or physical impairment which is likely to be of an indefinite duration and prevents you from being engaged in substantial gainful activity. There are also strict service requirements that you must meet.
ETF's booklet on Long-Term Disability Insurance provides more information about this benefit .
You may also get information and request disability estimates directly through the Department of Employee Trust Funds . You may call ETF at 608-266-3285 or toll-free at 877-383-1888 or print this benefit information request , complete it and mail it to ETF.
Employees hired before October 16, 1992 may choose between the LTDI benefit described above and a WRS disability annuity, payable for life, based on your years of service, the number of years remaining until your normal retirement age, and your three highest years of earnings.
You may also request disability estimates directly through the Department of Employee Trust Funds . You may call ETF at 608-266-3285 or toll-free at 877-383-1888 or print this benefit information request , complete it and mail it to ETF.
If you are injured on the job you may be eligible for Worker's Compensation. Consult the Jan Sikora.
Disability under Social Security is based on your inability to work. You are considered disabled under Social Security guidelines if you are 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. For more information, see the Social Security web site, call their toll-free number at 800-772-1213.