calculators
Member Education
forms and publications
news
about etf
frequently asked questions
contact etf
site map
related links
home
top of page
home
members retirees employers governing boards careers at etf
 
Members

Disability Benefits

Disability Retirement

Long-Term Disability Insurance (LTDI)

NOTE: This program has closed to new claims

Earnings Limit for Disability Retirement and Long Term Disability Insurance (LTDI) Programs:
If you receive a disability retirement or LTDI benefit under the Wisconsin Retirement System, your disability benefit will be suspended if you earn more than a specific earnings limit for the calendar year (substantial gainful activity). The limit for 2019 is $15,702. This amount will be adjusted each year by a percentage based on the national salary index.

Duty Disability

Other Disability Benefit Concerns

Group Life Insurance and Disability Benefits
Group Health Insurance and Disability Benefits

Income Continuation Insurance (ICI)

 


Disability Retirement

If you become disabled while you are employed in a position covered under the Wisconsin Retirement System, or WRS, you may be eligible for disability retirement benefits. Except for the special disability retirement benefits available to protective category employees, to qualify for disability retirement benefits you must be disabled from any type of substantial gainful employment.

For further details, such as eligibility and application requirements, approval and calculation of benefits, payment options, and annual expectations, see the Disability Retirement Benefits brochure (ET-5107).

 


Long-Term Disability Insurance Benefits (LTDI)

NOTE: This program has closed to new claims

Current LTDI recipients will continue to receive benefits under program rules. For further details, such as duration of benefits, offsets, and annual expectations, see the Long-Term Disability Insurance brochure (ET-5108).

 


Duty Disability

To be eligible for a duty disability benefit, you must be a protective occupation participant such as a police officer, firefighter or correctional officer. You must have been injured while performing your duties or contracted a disease due to your occupation, and you must be disabled to the extent that you can no longer work full protective duty.

For further details, such as eligibility and application requirements, approval and calculation of benefits, offsets, and annual expectations, see the Duty Disability & Survivor Benefits brochure (ET-5103).

 


Other Disability Benefit Concerns

Group Life Insurance and Disability Benefits

If you are currently insured under the Wisconsin Public Employers' Group Life Insurance Program, you may be eligible to continue coverage without further premium payments. However, you should continue to pay premiums until you are notified that premiums are no longer due.

Premium payments are waived for participants who become totally disabled for an indefinite period of time. To qualify for the premium waiver, your employer must submit a "Group Life Insurance Disability Premium Waiver" form to Employee Trust Funds (ETF) for review. If the waiver is accepted, you will be notified of the coverage amount.

If you have terminated your employment, you must either submit a life insurance Continuation or Conversion form within the required time limit. Further information regarding your group life insurance options after you terminate employment is available in the brochure "Group Life Insurance After You Terminate Employment" (ET-4104).

Group Health Insurance and Disability Benefits

If you are covered under the Group Health Insurance Program administered by Employee Trust Funds (ETF), you must continue to pay your monthly premiums through your employer while your disability application is being processed. If you do not pay the premiums, your coverage will lapse. If you have terminated from your employer, you must file a Continuation Application within the required time limit in order to continue your health insurance coverage. At disability approval you would be offered the opportunity to continue or reinstate coverage.  You are responsible for the full cost of the health insurance premium.

If you are a local employee and are not covered under a group health insurance program through your WRS employer at the time you apply for disability benefits, you may be eligible for the Local Annuitant Health Plan (LAHP). Contact ETF for more information.

supporting excellence in Wisconsin public service