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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 Workterra icon on the City of San Francisco's MyApps dashboard at

Members can now self-enroll, dis-enroll, or confirm voluntary benefits elections with an additional layer of security and convenience.

Please note that with this change, your login directly from will be disabled.

Workterra administers the following Voluntary Benefits:

  • The Hartford Supplemental Group Term-Life Insurance 
  • Manhattan Life Supplemental Short-term Disability Insurance
  • MetLife Accident Insurance
  • MetLife Critical Illness Insurance
  • Chubb Lifetime Benefit Term Insurance with Accelerated Death Benefit for Long-Term Care 
  • Pets Best Pet Insurance
  • Allstate Identity Protection
  • LegalShield Legal Plan

Schedule a Consultation with Workterra

Click here to schedule a consultation with Workterra directly. You can also call Workterra at (866) 528-5360.

Questions about Voluntary Benefits?

For questions about existing premiums or payments during a leave of absence, call WORKTERRA Customer Service at (888) 327-2770.


The Hartford Supplemental Life/AD&D 

Manhattan Life Supplemental Short-Term Disability Insurance

This insurance replaces part of your income if you cannot work due to a non-occupational covered illness or injury. It also provides income in addition to California State Disability payments. Short-Term Disability Insurance can help you and your family meet financial obligations until you can get back to work. Available to Active employees only.

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, 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. 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, and Parkinson’s. With coverage of up to $50,000 available, this can ease the financial stress of facing a life-threatening illness. This benefit can help pay for out-of-pocket medical costs, assist with living expenses, or anything else you choose. 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 individually owned life insurance is available to employees on a guarantee issue basis-no medical qualifications. 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.

Allstate Identity Protection

Delivers a powerful new approach to online privacy with unique tools and proactive monitoring that help you see your personal data, manage it with real time alerts, and protect your identity. Monitor your financial transactions, social media, student loans, retirement accounts, and more. If fraud occurs, our highly trained in-house experts fully manage and restore your identity, and our $1 million insurance policy covers any of your associated out-of-pocket costs and losses.

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.

Additional Voluntary Benefits for Municipal Executives Association (MEA) Members

  • Long-Term Disability Insurance with The Hartford

    Long-Term Disability Insurance with The Hartford

    Long-Term Disability Insurance with The Hartford is available to MEA members who are enrolled in Employee Only or Employee+ 1 medical plans  for purchase with Flex Credits through WORKTERRA. Evidence of Insurability (EOI) is not required for new hires or newly eligible employees. Premiums are paid with pre-tax dollars.

    Long-term disability Insurance from The Hartford Flyer

  • Long-Term Care Insurance with Mutual of Omaha

    Long-Term Care Insurance with Mutual of Omaha

    Long-Term Care Insurancewith Mutual of Omaha is available to all MEA members for purchase with Flex Credits or payroll deductions. For more information or to enroll in LTC Insurance, contact WORKTERRA directly at (866) 528-5360. Evidence of Insurability (EOI) is required for all applicants. Premiums are paid with post-tax dollars.

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?

    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.