Voluntary Benefits

New! Voluntary Benefits

(available to City and County of San Francisco and Superior Court employees only.)

These optional insurance plans can help protect you and your family.

HSS has partnered with Employee Benefits Specialists (EBS) to offer quality insurance plans at the best cost.

  • Health Service System reviewed and approved
  • In most cases, guaranteed issue - no medical history or exam required
  • Discounted group premium rates
  • Optional enrollment - if you choose to enroll, premiums can be paid by payroll deduction

Voluntary benefits are administered by EBS. See below for details about plan coverage options and premium costs or call EBS at 1-888-392-7597.

Aetna Life group term life insurance provides a tax-free lump sum benefit to your designated beneficiary if you pass away. It can help your loved ones pay for funeral expenses. It can also shield them from the loss of your income, by helping pay a mortgage, debts, college tuition and other living expenses. Guaranteed Issue available to $100,000 or new hires and to all active employees during 2016 Open Enrollment. Higher policy amounts are available which require additional medical certification, and $50,000 policies are available for spouses/domestic partners. See Sample Rates

Kansas City Life short term disability insurance replaces part of your income if you can’t work due to a covered illness or injury. It provides income in addition to California State Disability payments. This can help you and your family meet financial obligations until you can get back to work. Available to employees only. See Sample Rates

Voya Financial accident insurance provides tax-free payments for covered injuries that happen off the job. Benefits paid directly to you, to help pay for out-of-pocket medical costs related to an injury, assist with living expenses, or anything else you choose. Available to employees and eligible dependents. See Sample Rates

Voya Financial critical illness insurance pays a lump sum benefit if you are diagnosed with a covered disease or condition, including heart attack, stroke and certain types of cancer. This can ease the financial stress of facing a life-threatening illness. This benefit can help pay for out-of-pocket medical costs related to the diagnosis, assist with living expenses, or anything else you choose. Available to employees and eligible dependents. See Sample Rates

LifeLock identity theft protection monitors and notifies you if your information is being used fraudulently in credit card applications, loans, mortgages and other digital data. The plan also provides identity restoration services and coverage up to $1,000,000 if you become a victim of identity theft. Available to employees and eligible dependents. See Sample Rates

LegalShield legal plan allows you to speak with a lawyer on any personal legal matter without high hourly costs. Includes letters or calls made on your behalf, review of small contracts and documents, IRS audit support, assistance with preparing a Will, Living Will, and healthcare power of attorney. 24/7 emergency access is available for covered situations. LegalShield membership offers an optional identity theft plan. Available to employees and eligible dependents. See Sample Rates

Pets Best pet insurance can reimburse you for vet bills when your cat or dog is sick or injured with a covered condition. Use any licensed veterinarian, pay your bill, then submit a claim for reimbursement. When enrolling you can choose coverage tiers from 70% to 100%, with deductible choices from $0 to $1,000. Available to employees. See Sample Rates

Voluntary Benefits FAQ

Voluntary Benefits FAQ

Learn more and decide if these benefits are right for you.

What are voluntary benefits?

Voluntary benefits give you access to a variety of optional, supplemental insurance options. You can choose the coverage that meets your needs. Voluntary benefit plans offered through your employer provide quality coverage at group discounted rates.

Why do I need voluntary benefits?

Voluntary benefits can help protect you and your family financially during an illness, injury, death or other life events. If your family depends on your income to pay routine living expenses, you should learn more about voluntary benefits. If you do not have enough savings to cover your living expenses for three to six months, or do not want to use your savings, then some of these voluntary benefits might be right for you.

Who pays for voluntary benefits?

The premiums for voluntary benefits are 100% paid by the employee. If you choose to enroll, the voluntary plan premium will be deducted from your paycheck. Please review coverage details and premium costs carefully before choosing to enroll.

How do I learn more about voluntary benefits coverage and costs?

Voluntary benefits are administered by EBS. For details about plan coverage options and premium costs, call EBS at 1-888-392-7597.

Is a medical exam required?

Since they are offered through your employer, no medical exam or medical records are required for basic coverage. In some cases medical evidence is required if you decide to purchase higher tiers of coverage. Check with EBS for details.

How do I enroll in voluntary benefits?

These benefits are administered by EBS. Visit www.workterra.net to enroll online. For details about plan coverage options and premium costs, call EBS at 1-888-392-7597.

When can I enroll in voluntary benefits?

You can enroll in voluntary benefits when you are first hired or during open enrollment. There may be other special enrollment periods if new benefits are offered.

I changed my mind. How do I disenroll from voluntary benefits?

For benefits that have post-tax deductions, you can disenroll at any time. If you have a benefit that has a pre-tax deduction (similar to your medical plan), you will need to have a qualifying event in order to disenroll. See pages 8-9 of this guide for more information on qualifying events.

For More Information About Voluntary Benefits Contact EBS

Employee Benefits Specialists (EBS) administers voluntary benefits for HSS. For more details about coverage and costs, enrollment and disenrollment, contact EBS at 1-888-392-7597.