Benefits Walkthrough

Use the Benefits Walkthrough tool to help estimate your benefit deductions from payroll. The walkthrough will produce a worksheet summarizing your estimates but will not enroll you in any benefit plans.

By understanding your options, you can make the most of your benefits.

The University of Wisconsin (UW) System offers a comprehensive benefits package to meet the diverse needs of our community. The University contributes towards the cost of several benefit plans. This is a valuable piece of your total rewards package. Other plans offer favorable group rates and convenient payroll deductions. Some health and life insurance premiums are taken from salary on a pre-tax basis, saving you money.

As a new employee eligible for insurance benefits, you may enroll in benefits within 30 days of employment. Visit the UW System Employee Benefits website for more information.

We also recommend that you use ALEX, a personalized benefits counselor, to help make the benefit plan decisions that may best suit the needs of you and your family.

USING THE WALKTHROUGH

Use the menu at the right to navigate through the tool. Click Determine Eligibility to start. After you have entered your details, the benefit plans menu will populate. Use the menu to select the plans you wish to participate in to view your estimated premiums.

The walkthrough will produce a worksheet summarizing your estimates but will not enroll you in any benefit plans.

DISCLAIMER: Every effort has been made to ensure that the information contained in the walkthrough is correct and current. However, the terms and conditions of UW System benefit programs are established by state and federal laws and regulations, the relevant contracts and the policies of the Board of Regents. These sources of authority have control over the information contained in this benefits walkthrough to the extent there are any discrepancies. All premium and coverage levels provided in the walkthrough are estimates and are not a guarantee of future cost or benefits.

Determine Eligibility

What is your employee type? See the Employee Categories information for UW System for details.




Select your institution:


Select all that apply to you (if none apply, skip):






What is your date of birth?

State Group Health Insurance

The UW System offers comprehensive medical and pharmacy benefits to eligible employees and their family members through the State Group Health Insurance program. The State Group Health Insurance program offers four plan designs. All plan designs offer hospital, surgical, medical and pharmacy benefits. Uniform Dental may be added for a minimal cost.

UW System employees who do not wish to be covered by the State Group Health Insurance program may waive coverage or elect the Opt-Out Incentive.

For additional information on the plan designs, coverage, and choosing a health plan carrier, see the State Group Health Insurance program page. See the Opt-Out Incentive section for eligibility and instructions on how to receive the incentive.


Regular or high-deductible health plan?



Single or family coverage?



With or Without Uniform Dental?



Including Uniform Dental increases your monthly premium by $4 for single coverage/$9 for family coverage.

Preventive Dental Insurance

The Preventive Dental Insurance plan is available if you waive State Group Health Insurance or elect the Health Opt-Out Incentive. If you enroll in State Group Health Insurance, you have access to preventive dental services by enrolling in the Uniform Dental Insurance plan.

What level of coverage do you want to elect?

Supplemental Dental Insurance

The supplemental dental insurance plans offer comprehensive dental coverage. There are two plans to choose from: the PPO - Select Plan or the PPO Plus Premier - Select Plus Plan. You may enroll in the Select Plan or the Select Plus Plan - not both.

For additional plan information, see the Dental page.


What level of coverage?




Vision Insurance

The Vision Insurance plan is a supplemental vision plan that provides coverage towards an annual eye exam, prescription glasses and contact lenses. It also provides discounted laser vision correction at select locations.


State Group Life Insurance

The State Group Life Insurance plan offers term life insurance to employees and their spouse and eligible children. Coverage is based on an employee's annual salary. An employee may elect coverage of up to five times his or her annual salary, and up to $20,000 of spouse coverage and up to $10,000 of child coverage.

For additional plan information, see the State Group Life Insurance Plan page.



Individiual & Family Life Insurance

The Individual & Family Life Insurance (I&F) plan offers term life insurance for employees, their spouse or domestic partner and eligible children. An employee may initially select up to $20,000 of employee coverage, $10,000 of spouse or domestic partner coverage, and $5,000 of child coverage. There is an annual opportunity to increase coverage for current enrollees.




UW Employees, Inc. Life Insurance

UW Employees, Inc. Life Insurance plan offers decreasing term life insurance. Coverage ranges from $33,000 – $7,000 depending on employee's age. There is no coverage available for family members.

For additional plan information, see the UW Employees, Inc. Life Insurance Plan page.

Based on your age, you may be eligible for of life insurance coverage through UW Employees, Inc.

Are you interested in selecting coverage under the UW Employees, Inc. Life Insurance plan?

UNIVERSITY INSURANCE ASSOCIATION LIFE INSURANCE

The University Insurance Association (UIA) Life Insurance plan offers decreasing term life insurance. Coverage ranges from $101,000 – $3,400 based on employee's age. Faculty, Academic Staff, and Limited appointees who meet certain requirements are eligible for this plan and are automatically enrolled on October 1st after the eligibility requirements are met. Eligibility is determined annually and there is no coverage available to family members.

For additional plan information, see the University Insurance Association Life Insurance website.

Based on your age, you may be eligible for of life insurance coverage through UIA.

ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

The Accidental Death & Dismemberment (AD&D) Insurance plan offers accidental death and dismemberment insurance for employees and their spouse or domestic partner and eligible children.

You may select coverage levels that range from $25,000 to $500,000. The AD&D Insurance plan includes a travel assistance benefit as well as an identity theft protection benefit.

For additional plan information, see the AD&D Plan website.


Do you want Employee-only or Family coverage?

Accident Insurance

The Accident Insurance plan provides a cash payment to you to help pay out-of-pocket expenses in the event of an accident. This plan also includes an accidental death and dismemberment insurance benefit.


INCOME CONTINUATION INSURANCE

Income Continuation Insurance (ICI) program is an "income replacement" benefit plan that provides up to 75% of your gross salary (based on a maximum salary of $120,000/year) if you become ill or injured and are unable to work.

Choose your level of coverage, Standard or Supplemental, based on your annual income.

  • Standard coverage covers the first $64,000 of earnings
  • Supplemental coverage covers the earnings between $64,001 and $120,000
  • Faculty, Academic Staff must select waiting period and effective date of coverage

For additional plan information, see the Income Continuation Insurance (ICI) Plan page.



Select an elimination period:



Health Savings Account Programs (FSA/HSA) and Flexible Spending Account

Health Savings Account

The Health Savings Account (HSA) is available to individuals who are eligible to enroll in the high deductible health plan (HDHP) and meet the HSA eligibility criteria.

For additional plan information, see the HDHP page.

The Health Savings Account (HSA) is available to individuals who are eligible to enroll in the high deductible health plan (HDHP) and meet the HSA eligibility criteria.

You have not selected an HDHP health plan for your State Group Health Insurance option, so the HSA is not available to you.

Graduate Students are not eligible for HSA.

FLexible Spending Account (FSA)

The Flexible Spending Accounts (FSAs) allow you to set aside money on a pre-tax basis to pay for eligible medical and dependent care expenses annually. You decide how much to set aside (subject to maximum contribution limits) and that amount is deducted from each paycheck before federal, State and FICA taxes are calculated so you save money on taxes.

The FSA types are:

  • A Health Care FSA is used to pay for eligible out-of-pocket medical, dental, vision and pharmacy expenses that aren't paid for by your insurance.
  • A Dependent Day Care FSA is used to pay for eligible dependent day care expenses such as after school care, baby-sitting fees, adult or child daycare and preschool.
  • A Limited Purpose FSA is used to pay for eligible out-of-pocket dental, vision and post-deductible medical expenses that are not paid for by your insurance. This plan is only available to employees enrolled in a High Deductible Health Plan (HDHP) with Health Savings Account (HSA).

For additional plan information, see the FSA Plan page.

Enter your monthly contribution amount for the accounts you’d like to contribute to below.





WISCONSIN RETIREMENT SYSTEM

The Wisconsin Retirement System (WRS), administered by the Department of Employee Trust Funds (ETF), covers the UW System and most public employees in Wisconsin. The WRS helps you save for retirement and provides retirement, disability, death, and separation benefits. Eligible employees are required to participate and automatically enrolled.

For additional information, including eligibility, vesting, investment options and retirement benefits, see WRS website.

2020 Contribution Rate

For most employees, the UW System contributes 6.75% of your eligible earnings to your WRS account. Additionally, you contribute 6.75% of your eligible earnings. WRS contributions are subject to IRS limits. For details review the WRS website.

Final Summary

This is not an enrollment!

This Benefit Summary is intended for informational purposes only and is not a legal document. The applicable legal documents, policies, and/or certificates determine the actual benefits and premiums for a given plan. Premium amounts shown are estimates.

Please enroll via Self Service, if notified that you may enroll online, or complete the forms linked in the Enrollment Forms section below to complete your enrollment. You have only 30 days after your hire/eligibility date to enroll, so do not delay.

Pre-enrollment Summary
Program Coverage Monthly Cost
State Group Health Waived
Preventive Dental Insurance Waived
Supplemental Dental Insurance Waived
Vision Insurance Waived
State Group Life Insurance Waived
Individual & Family Life Insurance Waived
UW Employees, Inc. Life Insurance Waived
UIA Life Insurance N / A
AD&D Insurance Waived
Accident Insurance Waived
Income Continuation Insurance Waived
Health Spending Account (HSA)
Healthcare Flexible Spending Account (FSA)
Dependent Day Care Account
Limited Purpose Account (LPFSA)
Wisconsin Retirement System (WRS) N / A

Supplemental Retirement Plans

Take time now to evaluate the UW Tax-Sheltered Annuity (TSA) Plan 403(b) and/or the Wisconsin Deferred Compensation (WDC) Plan 457 to set aside money for retirement on a pre-tax or post-tax (Roth) basis.

See Retirement Plans for more information.

Affordable Care Act (ACA) Non- Discrimination Notice

The UW System and the Department of Employee Trust Funds comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex.

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How To Get Help

Your human resources office is available to help guide you through the benefits enrollment process and answer any questions you have about your benefits package.

Introduction
Determine Eligibility
State Group Health Insurance
Waived
Preventive Dental Insurance
Waived
Supplemental Dental Insurance
Waived
Vision Insurance
Waived
State Group Life Insurance
Waived
Individual & Family Life Insurance
Waived
UW Employees, Inc. Life Insurance
Waived
UIA Life Insurance
N / A
AD&D Insurance
Waived
Accident Insurance
Waived
Income Continuation Insurance
Waived
Flexible Spending Account and Health Savings Account
Wisconsin Retirement System (WRS)
N / A
Summary
$0.00