Income Continuation Insurance (ICI)

The Group Insurance Board has approved changes to the Income Continuation Insurance (ICI) Program that will go into effect on February 1, 2024.

The changes consolidate the separate standard and supplemental coverage levels into a single coverage level that simplifies the program. The goal is a program that is easier to understand and administer. 

Currently, standard coverage only covers an employee’s earnings up to $64,000 per year. An employee whose annual earnings are more than that amount can elect supplemental coverage to cover their full earnings, up to a maximum of $120,000 per year.

Beginning February 1, 2024, employees enrolled in the ICI Program will have their full earnings, up to $120,000 per year, covered automatically. There will be no optional supplemental coverage available.

Income continuation insurance (ICI) is a voluntary income replacement program available to state employees and local participating employers. It can cover employees for short-term and long-term disabilities.

All employees must serve an elimination period before benefits become payable and the requirements are different based on whether you are a state, UW Faculty or local employee. Benefit amount is up to 75% of the average monthly earnings. The benefit ends when members are no longer disabled or reach age 65, whichever comes first.

ICI benefits will be reduced (offset) by income from other sources. ICI benefits will not duplicate benefits available from other WRS programs, Social Security, Worker’s Compensation or unemployment compensation.

Note: The Local ICI program is currently under a premium holiday. 

The Wisconsin Public Employers Income Continuation Insurance Administration Manual - Local (ET-1145) and the Income Continuation Insurance Administration Manual – State (ET-1119) is a reference source intended to aid your administration of and participation in the ICI Program. Its contents are based on state statute, administrative code, and ICI plan language and contain instruction relevant to the administrative and reporting practices of the ICI Program.

Consult this manual as a first-step resource when you encounter ICI Program-related questions or concerns. If questions remain, contact the Employer Communications Center at 1-877-533-5020 or ETFSMBEmployerInsurance@etf.wi.gov. ESS provides a single point of contact to resolve issues regarding eligibility, enrollment, coverage and invoicing for ETF benefit programs.

Use the forms on this page to administer the Income Continuation Insurance program.