Employees can choose amongst a variety of health insurance plan designs offered by various health insurance companies. Employees may obtain coverage within one month of starting work, but the state contribution toward the premium is not effective until after two months of state employment under the WRS.
Coverage begins the 1st of the month on or following the 30 day enrollment. An employee may have group term life insurance coverage in an amount up to 5 times his/her annual salary. Employees may also secure coverage for their spouse (up to $20,000) and dependents (up to $10,000 each).
Income Continuation Insurance
Coverage begins the 1st of the month after 30 days of being a part of the Wisconsin Retirement Service. This benefit ensures that individuals will receive up to 75% of their gross salary during a short or long term disability. Premiums are based upon an employee's accrual and use of sick leave.
Supplemental dental coverage, hospital and surgical indemnity, accidental death and dismemberment, and optional vision materials coverage are features of this insurance. Employees are responsible for the entire premium.
Some dental coverage is included in most of the group health insurance plans. In addition, there are purely supplemental dental plans available to choose from. Employees pay the full premium.
Evaluations for visual acuity are generally covered by health insurance. For eyeglass frames, lenses, or for vision exams outside of your health network, optional vision care insurance is available to state employees, annuitants and dependents. Subscribers pay the full premium. The vision services plan covers eye exams, frames, lenses, and contact lenses, with plans for singles, couples, and extra visits for families.
Employees can choose to enroll in an accidental injury plan, or a plan that pays a set sum in the case of loss of a limb or vision, for instance.
Long-Term Care Insurance
This insurance covers long-term home health care, assisted living, community-based care, and nursing home care. The plan is available to State employees and annuitants, including their spouse, parents, and spouse's parents. Employees pay the full premium.