View under the Golden Gate Bridge.

Voluntary Benefits

Additional Insurance Plans Can Help Protect You and Your Family

SFHSS has partnered with WORKTERRA to offer quality insurance plans at the best cost.

  • San Francisco Health Service System reviewed and approved
  • For new hires, 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

How Do I Enroll in Voluntary Benefits?

SFHSS Members can only enroll in Voluntary Benefits within 30 days as a new hire or during the annual Open Enrollment period. To enroll in voluntary benefits, including questions about voluntary benefits, please contact WORKTERRA by phone at (866) 528-5360, in person or visit to self-enroll, disenroll, or confirm any existing elections. Whether you are a new or returning Workterra user, follow these directions for logging into Workterra:

  • To enroll online, go to
  • If you set up your password during the last enrollment period, use the login instructions below along with your current password to login.
  • Your user name is your 6-digit DSW number (add a “0” in front 5-digit numbers).
  • The password is the first four letters of your last name (the system will also accept last names with 3 letters or less) AND the first four of your Social Security number.
  • The company name is ccsf. 

Voluntary Benefits are administered by Workterra. See below for details about plan coverage options or call WORKTERRA at (866) 528-5360. Workterra can also provide you with premium rates for each of the voluntary benefits available.

WORKTERRA administers the following Voluntary Benefits:

  • Supplemental Group Term-Life and AD&D Insurance (offered by The Hartford in 2020)
  • Kansas City Short-term Disability Insurance
  • Voya Accident Insurance
  • Voya Critical Illness Insurance
  • Pets Best Pet Insurance
  • LifeLock Identity Theft Plan
  • LegalShield Legal Plan & IDShield Identity Theft Plan 


The Hartford Life/AD&D Summary of Benefits (SOB) 

Kansas City Life Short-Term Disability Insurance

Replaces part of your income if you can’t work due to a non-occupational 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 active employees only.

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 active employees and eligible dependents. 

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 active employees and eligible dependents. 

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 active employees and eligible dependents.

LegalShield Legal Plan & IDShield Identity Theft Plan 

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 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 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 (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 WORKTERRA for details.

  • How do I enroll in voluntary benefits?

    These benefits are administered by WORKTERRA. Visit to enroll online. For details about plan coverage options and premium costs, call WORKTERRA at (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.