University of Wisconsin–Madison

State Group Life Insurance


Employees must meet the following requirements to enroll in this plan:

  • Eligible for coverage under the WRS
  • Under age 70 at the time of initial enrollment (if 70 or older when initially eligible, can only apply for coverage through Evidence of Insurability)
  • Not receiving a WRS annuity


  • Eligible employees have 30 days from the date employment begins to enroll
  • Coverage begins on the first day of the month following 30 days from the date of hire
  • If you do not enroll when initially eligible, you may have an opportunity to enroll with a qualifying life event
  • You may also apply for coverage at any time through Evidence of Insurability (acceptance is not guaranteed)
  • You may decrease or cancel coverage at any time

Coverage Levels

Employee Coverage: You may select up to five units of Employee coverage. Each unit of coverage is based on your highest annual WRS earnings, rounded to the nearest $1,000.  Your coverage level will automatically increase if your salary increases.

Spouse and Dependent Coverage: You may select up to two units of Spouse and Dependent coverage. Each unit insures your spouse for $10,000 and each of your children for $5,000.  You must be enrolled in Employee coverage to elect this level of coverage.

Retirement Benefits

  • Continuation of coverage at retirement or termination with at least 20 years of WRS service (eligibility requirements must be met)
  • Employees are no longer required to pay premiums for Basic coverage when they turn 65 and are retired
  • Supplemental and Additional units end at 65, if retired

Beneficiary Designations

You should review and update your Beneficiary Designation with each qualifying life event.

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