Voluntary Benefits

How do I enroll in Voluntary Benefits?

City & County of San Francisco and Superior Court employees can now log directly into Workterra by clicking on the Workterra tile on the City of San Francisco's MyApps dashboard at myapps.sfgov.org. Members can now self-enroll, dis-enroll, or confirm voluntary benefits elections with an additional layer of security and convenience.

Workterra administers the following Voluntary Benefits:

New York Life Employee-Paid Voluntary Term Life Insurance
New York Life Employee-Paid Voluntary Supplemental Short-Term Disability Insurance
New York Life Employee-Paid Voluntary Supplemental Long-Term Disability Insurance*
New York Life Employee-Paid Voluntary Accidental Death and Dismemberment
MetLife Accident Insurance
MetLife Critical Illness Insurance
Chubb Lifetime Benefit Term Insurance with Accelerated Death Benefit for Long-Term Care
Pets Best Pet Insurance
MetLife Legal Plan (New carrier effective 1/1/2027)
MetLife + Aura Identity and Fraud Protection (New carrier effective 1/1/2027)

* Voluntary Long Term Disability is only available to California Court Commissioners Association and Municipal Executives Association (MEA) (Police Chiefs, and Fire Chiefs).

Schedule a Consultation with Workterra

New Hires/Life Event Services - Click here to schedule a consultation with Workterra directly or call Workterra at (866) 528-5360.

Open Enrollment Services - Click here to schedule a consultation with Workterra directly or call Workterra at (833) 680-2668.

Questions about Voluntary Benefits?

For questions about existing premiums or payments during a leave of absence, call Workterra Customer Service at (888) 604-3771.

New York Life Insurance

MetLife Accident Insurance

Provides tax-free payments for covered injuries that happen off the job. This plan offers richer benefit amounts as well as added benefits for rehabilitation, medical testing, puncture wounds, accidental death, injuries sustained during organized sports activities, and more. Benefits are paid directly to you, to help pay for out-of-pocket medical costs, assist with living expenses, or anything else you choose. Learn more at https://metlife.pathfactory.com/sfhss. Available to Active employees and eligible dependents.

Watch the video, Why have accident insurance?

MetLife Critical Illness Insurance

Pays a lump sum benefit if you are diagnosed with a covered disease or condition, including heart attack, cancer, stroke and kidney failure. There are added covered conditions including Alzheimer’s, COVID-19, Autism Spectrum, and Parkinson’s. With coverage of up to $50,000 available, this can ease the financial stress of facing a life-threatening illness. Plus, Critical Illness includes a $100 Health Screening Benefit that pays annually for each member enrolled that completes a preventive exam. This benefit can help pay for out-of-pocket medical costs, assist with living expenses, or anything else you choose. Learn more at https://metlife.pathfactory.com/sfhss. Available to Active employees and eligible dependents.

Watch video, "Why have Critical Illness Insurance?"

Chubb Lifetime Benefit Term Insurance with Accelerated Death Benefit for Long-Term Care

This term life insurance plan is available to newly hired and newly eligible employees on a guaranteed issue basis - no medical qualifications. Employees may enroll in this plan at any time throughout the year and may be subject to evidence of insurability after the guaranteed issue period has elapsed. Death benefits and premiums at time of issue are guaranteed for life. When employees need long-term care, death benefits can be paid early for home health care, assisted living, adult day care and nursing home care. The benefit is equal to the greater of 4% of your death benefit per month or $50 per day while you are living, for up to 25 months. Premiums are waived while this benefit is being paid. Active employees and eligible dependents may enroll in this plan.

MetLife + Aura Identity and Fraud Protection Plan

The MetLife + Aura Identity and Fraud Protection plan delivers digital safety, financial monitoring, and identity theft coverage for employees and their families. Choose from two plan options, both include up to a $5,000,000 identity theft insurance policy split per enrolled adult.

Protection Plan: Offers essential identity theft protection, financial fraud alerts, privacy tools, and coverage for up to two devices per adult.
Protection Plus Plan: Provides robust, advanced privacy monitoring, 3-bureau credit monitoring, antivirus/VPN, and unlimited device security per adult. If you choose to cover your family, the plan features Life360 with location tracking and individual driver reports, crash detection with emergency dispatch, 24/7 roadside assistance, and more.

Learn more at https://metlife.pathfactory.com/sfhss. Available to Active employees and eligible dependents.

MetLife Legal Plan

The legal plan provides access to a trusted attorney network, with strong presence in the Bay Area - Get legal advice and representation from a network of vetted attorneys with an average of 25 years experience, covering matters like wills and estate planning, buying or selling a home, family law, and more. This plan includes coverage for trusts, probate, immigration assistance, adoption, and more. Receive in-person or phone consultations, plus in-court representation for covered legal matters, so you're never navigating legal issues alone. No surprise costs - no copays, deductibles, or waiting periods when using an in-network attorney for covered matters.

Learn more at https://metlife.pathfactory.com/sfhss. Available to active employees and eligible dependents.

Pets Best Pet Insurance

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 from three different plans, each with coverage tiers from 70% to 90%, with deductible choices from $50 to $1,000. Available to active employees.

Voluntary Benefits FAQ

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 WORKTERRA. For details about plan coverage options and premium costs, call WORKTERRA at (866) 528-5360.
Is a medical exam required?
In some cases medical evidence is required if you decide to purchase higher tiers of coverage. Check with WORKTERRA for details.
How do I enroll in voluntary benefits?
City & County of San Francisco and Superior Court employees can now log directly into Workterra by clicking on the Workterra tile on the City of San Francisco's MyApps dashboard at myapps.sfgov.org. Members can now self-enroll, dis-enroll, or confirm voluntary benefits elections with an additional layer of security and convenience. For details about plan coverage options and premium costs, call Workterra at (866) 528-5360.
During Open Enrollment, call Workterra at (833) 680-2668.
When can I enroll in voluntary benefits?
You can enroll in voluntary benefits when you are first hired, if you experience a life event (for some benefits), 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.

Voluntary Benefits Options & Requirements

Pre-Tax Flex Benefit Options

The benefits listed below are paid pre-tax for an enrolled employee, spouse, children and stepchildren. These benefits are paid post-tax for an enrolled domestic partner and the children of a domestic partner.

Pre-Tax Flex Benefit Options
	EOI Required
Medical and Dental Premium Contributions	No
Health Care Flexible Spending Account P&A Group	No
Dependent Care Assistance Flexible Spending Account P&A Group	No

Taxable Flex Benefit Options

Taxable Flex Benefit Options
	EOI Required
Accident Insurance MetLife	No
Short-Term Disability Insurance New York Life	No
Accidental Death & Dismemberment Insurance (AD&D) New York Life	No
Pet Insurance Pets Best	No
Group Legal Plan MetLife Legal Plan	No
Critical Illness MetLife	No
Supplemental Group Life Insurance New York Life	No
Lifetime Benefit Group Term Life Insurance with Accelerated Death Benefit for Long-Term Care Chubb	Yes¹
Identity Theft and Fraud Protection Benefits MetLife+Aura	No

¹Evidence of Insurability (EOI) is not required for new hires or newly eligible employees.