Death Benefits

Provided you did not close your WRS account by taking a separation benefit, your beneficiaries may be entitled to a benefit after your death. Understand how and what benefits are paid upon your death.

Variable Fund

You can choose to deposit 50% of your contributions, including additional contributions, into the Variable Trust Fund. Before you decide to join, learn how Variable excess or deficiency affects your account value.

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Life Insurance

The program offers term life insurance coverage up to 5 times your yearly pay for State of Wisconsin employees and local government employees whose employer offers the plan. An employee may also insure their spouse and dependent children.

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Dental Insurance

Choose from up to four dental plans to get the right coverage for you and/or your family. The dental plans offer coverage for services such as cleanings, exams, fillings, and orthodontia.

You or Your Dependent Has a Medicare Coverage Change (Retirees and Survivors Only)

Experiencing this life event may allow you to make changes to your accident plan or health, dental, vision, or long-term care insurance.

Program Option
  • Local Annuitant Health Program (LAHP)
  • Local Deductible Health Plan (PO14) & Supplemental Benefits
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits
  • Local Health Plan (PO16) & Supplemental Benefits
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits
  • Local High Deductible Health Plan (PO17) & Supplemental Benefits
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits
  • Local Traditional Health Plan (PO12) & Supplemental Benefits
  • Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
  • State Employee and Retiree Health Plan & Supplemental Benefits
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Applying for Retirement

Deciding to retire may be the hardest part of the entire process. ETF can help you master the next steps so that you make decisions that are right for you. Use the resources available on this page to help you through the process.

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Insurance

Learn about the insurances provided by ETF, such as health, dental and vision insurance.