Optional Insurance Benefits You are here Ñý¼§Ö±²¥ Employee Benefits Insurance Benefits Optional Insurance Benefits Ñý¼§Ö±²¥ State University provides the following optional benefits to full-time faculty and staff. Voluntary Accidental Death and Dismemberment Insurance Voluntary Group Term Life Voluntary Indemnity Plans Voluntary Long-Term Care Insurance Voluntary Long-Term Disability Insurance Voluntary Whole Life Insurance Optional Insurance Benefits Voluntary Indemnity Plans Voluntary Long-Term Care Insurance Voluntary Accidental Death or Dismemberment Voluntary Group Term Life Voluntary Long-term Disability Voluntary Whole Life Insurance