Life Insurance and Short-Term Disability



   Life Insurance Plans Overview










 Basic Life Insurance 

  • The Basic Life Group Plan provides term insurance of one times your salary.

  • The County and employee each make a contribution towards the premiums.

  • The employee contribution, if any, is deducted from your payroll check in equal premiums twice a month.



  • At the beginning of each calendar year your coverage in force is valued based upon your annual salary after the final pay period of the year rounded to the next $1,000.

    • Your payroll deductions are adjusted for any premium increases due to rate increases or increased coverage in force.



 Optional Life Insurance

  • Group optional life insurance is a fully insured life insurance plan.

  • This is determined by the premium amount until the EOI form is reviewed and accepted by MetLife.

  • Any additional coverage will be pended until approved or rejected. 

**You must be enrolled in Basic Life to be eligible for Optional Life Insurance.**



 Certificate of Coverage


  • All of us appreciate the protection and security insurance provides.

    • Benefits are provided through a group policy issued to Milwaukee County by Metropolitan Life Insurance Company.

    • This certificate describes the benefits that are available to you; Milwaukee County urges you to read the attached document below carefully.






 Spouse & Dependent Life Insurance

  • Spouse and/or Dependent coverage approval is subject to the underwriting standards of the insurance plan and is not guaranteed.  

  • All employees are eligible for Spouse and/or Dependent life insurance coverage when the employee is enrolled in the basic life insurance plan.

    • Spouses may be covered in $10,000 increments up to $100,000, and the premiums are based upon age. 

    • Each child over 6 months of age may be covered in $5,000 increments up to $12,500. 

    • The premium covers all dependent children, no matter how many. 



 Enrollment and Eligibility:

  • You are eligible to enroll in life plans if you have an assigned work week of twenty (20) hours or more.

  • Some hourly employees may also be eligible to participate per their union contract.

  • You must enroll within 30 days of your date of hire, or 30 days from the date you became benefit eligible.

  • Coverage begins the first of the month following six months of continuous employment:

    • You must be actively at work on the day coverage begins. 

    • You must be enrolled in Basic Life to be eligible for other plans. 




  • On your Confirmation of Benefits Statement on: if any of your coverage is marked "Pending,"

  • Should you waive coverage under the group plan or fail to enroll within the first 30 days after hire or after becoming benefits eligible, or you fail to re-enroll within 30 days after becoming eligible after coverage lapsed for any reason, you must present evidence of insurability to apply for coverage during the next open enrollment period. 


  • You must submit the EOI form within 60 days directly to MetLife. 

    • You may download the EOI form from this page, the benefit system home page, or from your Confirmation of Benefits page. 

    • Your application will be evaluated by the insurance company who will advise you as to whether they will extend coverage after your eligibility period.

    • The insurance company has the right to deny coverage if you do not meet their underwriting guidelines for insurability. 

    • Coverage will be denied if you do not submit the EOI form within 60 days.



 Beneficiary Designation

  • You as the insured must designate a primary beneficiary for your group life insurance.

  • You may name two or more individuals to share the proceeds or you may name a primary & a secondary beneficiary:

    • This is the person, persons, estate, or trust who would receive the value of your life insurance coverage in the event of your death.
    • I.E., Someone who would receive the benefits should your primary beneficiary be deceased at the time of your death.



  • The Benefits Division strongly urges you to keep your beneficiary designation current at all times. 

  • You may change your beneficiary at any time. 

  • Instructions for updating your beneficiary information may be found on this website:

  • You may review this information at any time on the online enrollment system.

  • Remember the proceeds will be paid to whomever is named on your enrollment record.



 Death Benefits Claims:

  • A completed claim includes a certified copy of the death certificate.

  • In addition, if the beneficiary designation is to be an 'Estate':

    •  The personal representative must submit the necessary papers certifying that he/she has been so named by the probate court.

All claims must be submitted to:


Benefits Division

Courthouse, Room 210

901 N. 9th Street, Milwaukee, WI 53233



  • If insurance terminates due to termination of employment:

  • You have 31 days in which to convert, without Evidence of Insurability, the Basic and Optional Life in the insurance amount (or a lesser amount) to any individual life insurance policy then being issued by the company except Term insurance (unless Term insurance is otherwise required by law.)
  • There are no continuation rights to either the Basic or Optional Life packages.




  • Your life insurance remains in force at the value of your coverage at the time of retirement.

  • Between the ages of 65 and 70 your coverage is reduced 8% of the original amount of life insurance coverage and will continue to reduce until age 70:

  • Its final deduction will reduce to one-fourth of the coverage in place at age 64.


  • This reduced benefit remains in effect for the rest of your life.

    • If you continue to work past the age of 65, the volume of your basic life insurance will be set to your salary at age 65.



 Short-Term Disability Insurance

  • Milwaukee County provides a Short-Term Disability Insurance Plan through:


Colonial Life & Accident Insurance Company




  • This is a fully-employee paid program with semi-monthly payroll deductions.


  • Short-Term Disability: is an opportunity for you to protect yourself in case of illness or accident with an income to help cover everyday living expenses if you are not able to work.

    • Multiple income options and policies with various elimination periods are available.

  • All Benefits-Eligible: employees may enroll by meeting with a Colonial representative during the annual open enrollment sessions.

    • New hires will be sent information by a Colonial representative. Any changes or terminations to your policy may only be done during the annual open enrollment period.

For more info about Colonial Life & Accident Insurance Company's Short Term Disability Plan: Click Here


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