Optional Insurance Benefits You are here Kent Employee Benefits Insurance Benefits Optional Insurance Benefits 91²Ö¿â 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