A benefit may be paid during your lifetime or upon your death.  You or your beneficiary must make sure to follow the correct steps to receive your benefit.

Accidental Death, Dismemberment, and Loss of Use (AD&D) Benefits

The benefits of this program are that you receive both term life and Accidental Death, Dismemberment, and Loss of Use (AD&D) coverage. This means you’re covered for both death and dismemberment. Dismemberment includes the loss, or the loss of use, of body parts or functions (e.g., limbs, speech, eyesight, or hearing).

The amount of AD&D coverage is equal to the total amount of your insurance coverage under the Basic, Supplemental and Additional coverages. This amount of coverage is called the “Principal Sum.” If you receive payment for a loss under this policy and later have another loss, payment is made for that loss regardless of any earlier loss. However, payment will not be made for the same loss:  same limb(s), or part of limb, or member(s). (“Member” means hand, foot, or eye.)

The coverage continues while your insurance is paid up and active and you are:

  • Employed and under age 70, or
  • Retired and under age 65, or
  • On a disability waiver of premium

Coverage A – Loss of Life, Limb or Sight

Loss Benefit Payment
Life Principal sum
2 or more members Principal sum
1 member 1/2 of principal sum
Thumb and index finger on same hand 1/4 of principal sum

Coverage B – Permanent and Total Loss of Use

Loss Benefit Payment
Each hand or foot from wrist or ankle 1/4 of principal sum
Each arm or leg from shoulder or hip 1/2 of principal sum

For more information about how this coverage works, see the Wisconsin Public Employers Group Life Insurance Program (ET-2101) booklet.

Living Benefits

You may apply to receive all or part of the value of your life insurance coverage, if you are diagnosed with a terminal condition caused by illness or injury and have 12 months or less to live.

Contact Securian to file a Living Benefit claim. Your life insurance must be active and paid in full. Medical evidence must be given to Securian after you file the application.

You must ask for this benefit of your own free will. A living benefit is not meant to cause the insured to lower the death benefit to a beneficiary. To protect against this:

  1. If the insured is required by law to use this option to meet the claims of creditors, whether in bankruptcy or otherwise, the insured is not eligible for this benefit.
  2. If the insured is required by a government agency to use this option in order to apply for, obtain or keep a government benefit or entitlement, the insured is not eligible for this benefit.

Once you have given solid evidence that you do meet the conditions of this benefit, Securian Financial will pay the living benefit. If the insured dies, any leftover life insurance will be paid to the insured’s beneficiary.


A beneficiary form must be filed with ETF at the time of your death for your beneficiary to receive payment of the benefit. It is your responsibility to make sure that this form is current and correct. If you do not file a form, beneficiaries will be in this order:

  1. Surviving spouse or domestic partner
  2. Children will receive equal shares
  3. Parent(s) receive equal shares if both survive
  4. Brother and sister receive equal shares
  5. Estate

Fill out a Beneficiary Designation (ET-2320) form and turn it in to ETF as soon as possible to update this information.

Notify ETF at the time of an insured member’s death. Securian Financial will send claim forms to the beneficiary(ies) and will request a death certificate and other documents that may be needed.

Conversion to Pay Health or Long-Term Care Insurance Premiums

You may be able to convert your Basic group life insurance coverage to pay premiums for health insurance or long-term insurance. You are eligible if you meet the following conditions:

All Employees

  1. You must be insured under the Wisconsin Public Employers Group Life Insurance program AND be the subscribe in on one of the health or LTCI plans offered through ETF.
  2. Your Basic life insurance coverage must be at its final reduced amount.

State Employees

  1. Along with 1 & 2, you must use up your accumulated sick leave credits.

For more information about how this benefit works, see the Converting Your Group Life Insurance To Pay Health or Long-term Care Insurance Premiums (ET-2325) brochure.