Optional Insurance Benefits You are here Kent Employee Benefits Insurance Benefits Optional Insurance Benefits Kent 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