Benefits offered to State of Wisconsin employees is a valuable part of an individual’s compensation package. The benefits summary below may
vary somewhat between employee groups based on percentage of full-time employment, and “exempt” or “non-exempt” status under the Federal
Labor Standards Act. This 2024 summary relates to permanent classified and unclassified employees.
TABLE OF CONTENTS
ANNUAL PAID LEAVE ........................................................................................................................ 1
HEALTH INSURANCE ........................................................................................................................ 2
WELLNESS ........................................................................................................................................ 4
DENTAL INSURANCE ........................................................................................................................ 5
VISION INSURANCE .......................................................................................................................... 6
PRE-TAX SAVINGS ACCOUNTS / FLEXIBLE SPENDING ACCOUNTS (FSA) .................................... 6
ACCIDENT PLAN ............................................................................................................................... 7
INCOME CONTINUATION INSURANCE ............................................................................................. 7
LIFE INSURANCE .............................................................................................................................. 8
WISCONSIN RETIRMENT SYSTEM (WRS) ........................................................................................ 9
WISCONSIN DEFERRED COMPENSATION (WDC) ......................................................................... 10
EDVEST ........................................................................................................................................... 10
Every effort has been made to ensure the information in this benefit summary is true and accurate. If there is any discrepancy between this summary and the
official plan documents, the language in the official documents shall be considered accurate. To enroll and participate in the benefit plans outlined in this
document, you must meet all eligibility requirements as defined by the Wisconsin Retirement System and Wisconsin State Statutes.
Department of Health Services
2024 Employee Benefit Summary
P-02873 (04/2024)
Return to Table of Contents Page 1 of 10
ANNUAL PAID LEAVE
Leave Benefits for Permanent Employees* are summarized below for full-time employees. Amounts are adjusted based on date of hire for new
employees or transfer.
Note: All leave types are prorated for employees who work less than 100%. (*Not applicable to Craftworker and Weekend Nurses / Weekend
RCTs).
Vacation, personal holiday, legal holiday hours are granted on January 1st of each year, or upon hire date.
Type of Leave
Hours Earned for full-time employee
Carryover/Expiration
Vacation
Yrs. Of Service
FLSA
Non-exempt
Service
FLSA
Exempt
For new employees (without prior service), all hours earned
in a calendar year may carryover to June 30
th
* of the next
calendar year. Hours are lost if not used or banked (if
eligible) by end of the carryover period.
*
Vacation is earned from the first day of employment, but cannot
be used until the employee has completed their first six months of
classified employment.
0 - 5 Yrs
104
120
5+ - 10 Yrs
144
160
10+ - 15 Yrs
160
176
15+ - 20 Yrs
184
200
20+ - 25 Yrs
200
216
25+ Yrs
216
216
Vacation accrual are adjusted with use of leave without pay.
Personal Holiday
36 hours (4.5 days) per year
Hours must be used in the calendar year granted or they are
lost
Sick Leave
5 hours per paycheck, 130 hours (16.25 days) per year
Hours accumulate without limit from year to year
Bereavement
Leave
Sick leave may be used upon the death of an immediate
family member.
See Sick Leave above
Legal Holiday
72 hours (9 days) per year
Hours must be used in the calendar year granted or they are
lost
Military Leave
Up to 30 paid leave days per calendar year for duty or training
lasting 3 days or more
Hours will be granted upon qualified
request per calendar year
Jury/Witness
Leave
Paid leave when summoned as a witness for the employer or
impaneled as a jurist
Hours will be granted upon qualified request
Bone Marrow
Donor
Up to 5 work days Hours will be granted upon qualified request
Human Organ
Donor
Up to 30 work days Hours will be granted upon qualified request
Return to Table of Contents Page 2 of 10
HEALTH INSURANCE
Who is Eligible and When Benefits You Receive Employee Pays State Pays
All employees covered by the Wisconsin
Retirement System (WRS) are eligible for
all health insurance plans.
Must apply within 30 days of hire date
Employees have the option of starting
coverage 1
st
of month on/after initial WRS
eligibility or when the employer
contribution begins (after completion of two
months of service).
Opt out Stipend
– if you do not wish to
enroll in health insurance, you may be
eligible to receive an Opt-Out Stipend of
up to $2,000 per year (after completion of
two months of service).
In-network uniform preventative and
medical benefits are offered in all plans.
Employees can choose a health plan with
or without dental (routine and preventative
dental), and the It’s Your Choice Health
Plan or the It’s Your Choice High
Deductible Health Plan.
Single or family coverage is available.
See page 2 for highlights of the two major
plan design options of our health plan – It’s
Your Choice and It’s Your Choice High
Deductible. The main differences are
deductibles, copays, and premiums.
For all plans, the employee
has the option to start their
coverage immediately and
pay the total premium until
employer contribution begins.
Or the employee can wait to
start coverage when the
employer contribution starts.
For all plans, the
employer contribution
will begin 1
st
of the
month after two full
months of State WRS
service from the
employee’s hire date.
Health Insurance Premiums
The state pays a portion of the premium
starting first of the month following two full
months of State WRS service.
Employee Premium (with state share after
two full months of service):
Total Monthly Premium (no state share)
Note: The IYC Access plan offers
statewide/nationwide access.
2024 It’s Your Choice (IYC) Health Plan
WITH DENTAL
Employee Monthly Premiums
Single
Family
IYC Plan $115 $286
IYC Access
$270
$673
2024 It’s Your Choice Health Plan
WITHOUT DENTAL
Employee Monthly Premiums
Single
Family
IYC Plan $112 $276
IYC Access $267 $663
2024 High Deductible Health Plan
WITH DENTAL
Employee Monthly Premiums
Single
Family
HDHP Plan $42 $107
HDHP Access
$197
$494
2024 High Deductible Health Plan
WITHOUT DENTAL
Employee Monthly Premiums
Single
Family
HDHP Plan $39 $97
HDHP Access $194 $484
Return to Table of Contents Page 3 of 10
Medical Coverages/Costs per Health Plan
(Table represents how much you may pay for common services received in-network)
IYC Health Plan Access Plan High Deductible HP Access High Deductible Health Plan
Annual Medical Deductible
Individual/Family
$250/$500
Office visit copays, preventive services and
prescription drugs do not count towards your
deductible
$1,600/$3,200
Families: Must meet full family deductible
Annual Medical Deductible Out-of-
Pocket Limit (OOPL)
Individual/Family
$1,250/$2,500
$2,500/$5,000
Families: Must meet full family OOPL before your plan pays 100%
Medical Coinsurance
100% until deductible met
After deductible: 10%
100% until deductible met
After deductible: 10%
Preventative Services
$0
Plan pays 100%
$0
Plan pays 100%
Telemedicine Services
Varies by service type
Varies by service type
Primary Care Office Visit
$15 copay
Does not count toward deductible/Counts
toward OOPL
100% until deductible met
After deductible: $15
Specialty Provider Office Visit
(Including an eye exam in an office
setting)
$25 copay
Does not count toward deductible/Counts
toward OOPL
100% until deductible met
After deductible: $25
Urgent Care
$25 copay
Does not count toward deductible/Counts
toward OOPL
100% until deductible met
After deductible: $25
Emergency Room
$75 copay
Deductible and coinsurance applies to
services beyond the copay
100% until deductible met
After deductible: $75 copay,
coinsurance applies to services beyond the copay
Health Savings Account (HSA)
Eligibility and Enrollment
(Not eligible)
HSA Enrollment required: the employer will contribute biweekly to a HSA,
when the Employer share begins for Health. The yearly amount is
prorated based on employment begin date. Annual Full-time State
contributes is: $750 single / $1,500 family. Must meet eligibility
requirements.
2024 Uniform Benefits Certificate of Coverage
Return to Table of Contents Page 4 of 10
Pharmacy Benefits – Navitus Prescription Plan included in all health plan options
(Required to use in-network pharmacy. Visit https://etf.benefits.navitus.com/en-US/Pages/Nav/Home.aspx) 2024 Uniform Pharmacy Benefits Certificate of Coverage
IYC Health Plan
Access Plan
High Deductible HP
Access High Deductible Health Plan
Prescription Deductible
(Individual/Family)
None
Combined medical & pharmacy
$1,600/$3,200
You pay 100% of most pharmacy costs until deductible is met
1
Prescription Copay/Coinsurance
Level 1 $5 or less After deductible; $5 or less
Level 2 20% ($50 max) After deductible; 20% ($50 max)
Level 3 40% ($150 max)
2
After deductible; 40% ($150 max)
2
Level 4 $50 copay
3
After deductible; $50 copay
3
Preventative (As federally required) $0 – Plan pays 100% $0 – Plan pays 100%
Prescription Out-Of-Pocket Limit
Level 1 & 2 (Individual/Family) $600/$1,200
Combined medical & pharmacy;
$2,500/$5,000
Level 3 & 4 (Individual/Family) $8,700/$17,400
1
Before you meet your deductible, preventive drugs are covered 100% and certain maintenance medications only require a copayment or coinsurance.
2
For Level 3 “Dispense as Written” or DAW-1” drugs, your doctor must submit a one-time FSA MedWatch form to Navitus
3
Must fill at Lumicera Health Services specialty pharmacy or UW Health Specialty Pharmacies
Mail Order Pharmacy Service:
https://serve-you-rx.com/navitus/)
•
Get a 3-month supply for only 2 copays.
• Easy refills Order refills online or sign up for EZAutoFill.
•
Pharmacist support Have a question about your medication? Pharmacists are available 24/7.
•
Secure, free, and fast delivery Packaging is safe and respects your privacy. Delivery is free and fast. For more information, visit serve-you-rx.com/navitus or
call 1-800-481-3340.
WELLNESS
State of Wisconsin employees enrolled in the State Group Health Insurance and their covered spouse, can each earn a $150 Wellness Incentive. The Wellness
Incentive program is powered by WebMD One. There are three requirements to complete to earn the incentive, Health Check, Health Assessment and well-
being activity.
The Wellness Incentive is a taxable benefit that can be paid by a Visa prepaid card. https://webmdhealth.com/wellwisconsin/
Return to Table of Contents Page 5 of 10
DENTAL INSURANCE
– Delta Dental
(https://www4.deltadentalwi.com/state-of-wi/)
Plan Options Uniform Dental Preventative Plan Select Plan Select Plus Plan
Who is Eligible, When
and Details
See Dental Insurance
ETF website
Available to those
enrolled in health
insurance through the
State.
Basic coverage can be
added to insurance
plans for a small
increase in premium
Available to employees
NOT enrolled in group
health insurance through
the State.
Must apply within 30 days
of hire. Coverage begins on
the first of the month
on/after hire date.
All employees who are covered by WRS are eligible.
Must apply within 30 days of hire. Coverage begins on the first of the
month on/after hire date.
Once enrolled, must remain covered until the end of the calendar year.
This dental coverage is in addition to and separate from any uniform
dental benefit provided with the health insurance or the preventive plan.
Must have preventative dental care in another plan such as the State’s
Uniform Dental Benefits in the Health Plans
State does not contribute to these plans.
2024 Dental Premiums
See premium above within
the health insurance
Level of
Coverage
Cost per
Month
Employee $3
Family $10
Level of
Coverage
Cost per
Month
Employee $36.10
Family $90.28
Level of
Coverage
Cost per
Month
Employee $9.08
Employee +
Child(ren)
$12.24
Employee +
Spouse
$18.06
Family
$21.76
Level of
Coverage
Cost per
Month
Employee $21.60
Employee +
Child(ren)
$40.12
Employee +
Spouse
$43.22
Family $66.20
Coverage Summary
Subject to Plan
Provisions/Deductible/Co-
insurance:
• Routine evaluations,
cleaning, sealants, x-
rays, fluoride
treatments
• Fillings
• Anesthesia
• Non-surgical
extractions
• Emergency Pain relief
• Periodontal
Maintenance
• Orthodontics (under
age 19)
(Uniform Dental Certificate
of Coverage)
Subject to Plan
Provisions/Deductible/Co-
insurance:
• Routine evaluations,
cleaning, sealants, x-rays,
fluoride treatments
• Fillings
• Anesthesia
• Non-surgical extractions
• Emergency Pain relief
• Periodontal Maintenance
• Orthodontics (under age
19)
(Preventative Plan Summary)
Subject to Plan
Provisions/Deductible/Co-insurance:
• Crowns, bridges, dentures,
implants
• Surgical extraction
• Root canal
• Endodontics
• Periodontics (except
maintenance)
• Oral surgery (PPO Dentists
only)
(Select Plan Summary)
Subject to Plan
Provisions/Deductible/Co-insurance:
• Crowns, bridges, dentures, implants
• Surgical extraction
• Root canal
• Endodontics
• Periodontics (except maintenance)
• Oral surgery (PPO Dentists only)
• Orthodontia coverage for those of
any age at 50% up to $1,500 lifetime
maximum.
(Select Plus Plan Summary)
Return to Table of Contents Page 6 of 10
VISION INSURANCE
– DeltaVision
(www.deltadentalwi.com/state-of-wi-vision)
Who is Eligible and When
Benefits You Receive
Employee Pays
State Pays
All employees who are covered by WRS are
eligible.
Must apply within 30 days of hire. Coverage
begins on the first of the month on/after hire date.
Once enrolled, must remain covered until the end
of the calendar year.
For more information: DeltaVision Overview
The plan provides partial payment
to help offset the costs of annual
eye exams, frames, lenses and
contact lenses. Benefits are greater
if a DeltaVision provider is used.
100% of 2024 premium
Employee
$5.72
Employee +
Spouse
$11.42
Employee +
Child(ren)
$12.88
Family
$20.58
0%
PRE-TAX SAVINGS ACCOUNTS / FLEXIBLE SPENDING ACCOUNTS (FSA)
(http://myoptumfinancial.com/etf)
Who is Eligible and When
Benefits You Receive
Employee Pays
State Pays
All permanent and project employees are eligible
for Pre-tax Savings Accounts/Flexible Spending
Accounts. New employees must enroll within 30
days of employment.
Coverage begins on the first of the month on/after
hire date.
Employees must complete a new enrollment
during Its Your Choice Open Enrollment for the
next calendar year.
State Group Health Insurance, Delta Vision, Delta
Dental Supplemental premiums and Monona
Terrace Parking are automatically taken pre-tax
unless this option is waived or, for the optional
plans, you are covering a non-tax dependent.
Optum Financial Website
Flexible Spending Account (FSA)
plan that allows you to set up an
account for eligible medical,
dependent care, parking and transit
expenses. Deductions taken before
tax.
Health Care FSA: used to pay for
eligible medical, dental, vision and
prescription expenses that are an
out of pocket expense to the
employee.
Dependent Care FSA: used to pay
for dependent care expenses.
LPFSA (Limited Purpose Flex
Spending Account): Available with
HDHP only. Eligible expenses for
vision, dental, post-deductible
expenses, and dependent care.
Parking / Transit: Eligible expenses
are work-related transportation feed
for parking or transit.
Employees must complete a new
enrollment during Its Your Choice Open
Enrollment for the next calendar year.
Annual contribution maximums:
Health Care FSA/LPFSA: $3,050;
Carryover to new year limited to $610
Dependent Care FSA: $5,000
(restrictions may apply) Any unused
Dependent Care Account
funds at the
close of the plan year will be forfeited.
Program administrative
cost
Return to Table of Contents Page 7 of 10
ACCIDENT PLAN
– Securian
Who is Eligible and When
Benefits You Receive
Employee Pays
State Pays
All employees who are covered by WRS are
eligible.
Must apply within 30 days of hire. Coverage is
effective the first of the month following the hire
date unless the hire date is the first of the month.
Once enrolled, must remain covered until the end
of the calendar year.
Accident Plan Overview
Provides lump sum cash payment
directly to participants to cover the
unexpected, such as concussion,
burns, dislocation, fracture,
emergency care, hospitalization,
loss of a limb, surgery, accidental
death and dismemberment.
Can offset out of pocket costs for
HDHP enrollees
Dependents eligible for same
benefit amounts as employee
except for AD&D
100% of 2024 premium
Employee
$3.72
Employee + Spouse
$5.32
Employee +
Child(ren)
$7.17
Family
$10.47
0%
INCOME CONTINUATION INSURANCE
– The Hartford
Who is Eligible and When
Benefits You Receive
Employee Pays
State Pays
Employees are initially eligible for Income
Continuation Insurance coverage after 30 days of
WRS participation at any WRS employer. Must
apply in the first 30 days of employment if a
new hire. Coverage is effective the first of the
month following the hire date unless the hire date
is the first of the month.
Current employees at any time may apply for
coverage through Medical Evidence of Insurability
(acceptance not guaranteed).
Deferred enrollment opportunities may be available
after accumulating specific amounts of sick leave.
Disability/income replacement
insurance that replaces up to 75% of
salary if unable to work due to short or
long term disability. Starting February
1, 2024, if enrolled in Income
Continuation coverage is up to
$120,000.
Benefits begin after 30 consecutive
calendar days or use of all
accumulated sick leave (up to 130
days), whichever is greater.
State and federal entitlements or
payments from other employer-
sponsored programs may reduce
benefits.
ICI: Premiums are based on an
employee’s biweekly salary and
accumulated sick leave. As an
employee accumulates sick leave, the
percentage of premium contributed by
the State increases.
Basic ICI: 0% - 100% of
premium depending upon
sick leave balance and
accumulation.
Supplemental ICI Plan:
0%
Return to Table of Contents Page 8 of 10
LIFE INSURANCE
– Securian
Who is Eligible and When
Benefits You Receive
Employee Pays
State Pays
Must apply in the first 30 days of employment if
a new hire. Coverage is effective the first of month
after 30 days of employment.
Current employees at any time may apply for
coverage through Medical Evidence of Insurability
(acceptance not guaranteed).
Employees experiencing qualifying events will have
the opportunity to make changes or elect coverage
for spouse and dependents within 30 days of
event.
Term group life insurance with
coverage option of up to five times
annual salary (Basic, Supplemental,
and three levels of Additional).
Coverage reduces after age 70 for
active employees.
After termination with 20 years of
WRS service or at retirement,
coverage can be continued. Premium
ends at age 65 and your coverage
reduces to 75% of your basic
coverage, if retired, and at age 66
coverage drops to one-half of the
original Basic coverage; any coverage
in addition to Basic coverage ceases
at age 65 (if retired).
Spouse and Dependent coverage
available. Accidental Death and
Dismemberment and Living Benefits
are included.
Basic & Supplemental: Premium cost
based on age of employee and
amount of coverage.
Additional levels of employee
coverage and Spouse & Dependent
Coverage: 100%
Premiums for coverage up to $50,000
are deducted pre-tax.
Basic: Additional 65.25%
of employee’s premium
amount.
Supplemental: Additional
37.25% of employee’s
premium amount.
Additional levels of
employee coverage and
Spouse & Dependent
Coverage: 0%
Return to Table of Contents Page 9 of 10
WISCONSIN RETIREMENT SYSTEM (WRS)
– RETIREMENT PENSION PLAN
Who is Eligible and When Benefits You Receive Employee and State Contributions
WRS coverage is immediate and
mandatory for those eligible. You must
meet the following requirements in order to
be eligible for coverage under the WRS:
• If you first became a WRS
participating employee on or after
July 1, 2011, you must be expected to
work at least 2/3 of full-time for at least
one year*.
• If you first became a WRS
participating employee prior to July 1,
2011, you must be expected to work at
least 1/3 of full-time for at least one
year*.
Not eligible at time of hire
If you do not initially meet the WRS
eligibility requirements, you can become
eligible if the expectation of hours worked
and/or the duration of employment changes,
and you meet the WRS eligibility criteria. At
that time, you will be enrolled in the WRS.
Your employment will also be evaluated for
WRS eligibility at your one-year
anniversary. If you did work the minimum
amount of hours to be eligible, you will be
enrolled in the WRS.
Returning to WRS-covered employment
within 12 months
If you are a WRS-covered employee and
you terminate and are subsequently rehired
in less than 12 months at the same
employer, unless you have taken a WRS
benefit you will be re-enrolled in the WRS
immediately upon rehire, regardless of
whether or not the new employment period
is expected to meet the WRS eligibility
criteria.
Must have five years of creditable WRS service to be
vested in the WRS (may take more than five years if
working part-time).
General/Executive class minimum retirement age is
55 years. Protective class minimum retirement age is
50 years.
WRS also provides death and separation benefits.
Percent of gross wages depending on the WRS category.
See chart below.
Deductions taken on a pre-tax basis for state and federal
tax purposes.
Employees are eligible to contribute additional amounts to
their account (post-tax).
Employee Category
Employee
Contribution
2024
Employer
Contribution
2024
General/Teacher 6.90% 6.90%
Elected
Official/Executive/Judge
6.90% 6.90%
Protective 6.90% 14.30%
Return to Table of Contents Page 10 of 10
WISCONSIN DEFERRED COMPENSATION (WDC)
Who is Eligible and When Benefits You Receive Employee Pays State Pays
All employees are eligible and can enroll at
any time.
For more information see the WDC web site
at www.wdc457.org
• Under age 50 contribution limit:
$22,500 in 2023
• Age 50 & Over contribution limit:
$30,000 in 2023
This voluntary
supplemental retirement savings
program (457) allows employees to invest a portion of
their income either pre-tax or post-tax (Roth).
Funds are chosen and monitored by the State of
Wisconsin Deferred Compensation Board.
Total contribution on pre-tax and/or post-
tax (Roth option) basis.
Administrative fee based on account
balance.
0%
EDVEST
(529 College Savings Account)
Who is Eligible and When Benefits You Receive Employee Pays State Pays
All employees are eligible and can enroll at
any time.
Edvest is a simple way for families to save
for higher education costs. Choose from a
variety of investment options and contribute
to your account regularly. State of
Wisconsin employees can contribute by
payroll direct deposit for a minimum
contribution of $15 per pay period.
Edvest is a voluntary college saving account which
allows employees a flexible and tax advantaged
way to save for higher education and career
training.
Wisconsin residents who contribute to an Edvest
account may be eligible for a state tax deduction.
Total contribution 0%