How to apply

Freelancers Union offers members group insurance plans and individual market insurance plans. The application process varies depending on what type of plan you are interested in purchasing.

Insurance Type & Availability Carrier How to Apply
HEALTH INSURANCE NY,NJ,CT Empire BlueCross Blue Shield
&
PerfectHealth		 Group Plans:
Use Freelancers Union Application Process

HEALTH INSURANCE

30 States* 

  UnitedHealthcare's Golden Rule  Insurance Company andother affiliates

Individual Market Plans:

Visit the Golden Rule Website 
LIFE INSURANCE
50 States		 Guardian
 Group Plans:
Use Freelancers Union Application Process
DISABILITY INSURANCE
50 States		 Guardian Group Plans:
Use Freelancers Union Application Process
DENTAL INSURANCE
50 States
 Guardian
 Group Plans:
Use Freelancers Union Application Process

* Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin.

HOW TO APPLY - Freelancers Union Insurance Eligibility Process:

Before you begin your application, please make sure you have reviewed the eligibility requirements for participation in our group insurance plans.

You must be a Freelancers Union member to apply. If you're not yet a member, join now.

STEP 1 - Complete the online portion of the insurance eligibility application: Sign In, visit My Membership, and select Add Insurance.


STEP 2 - Submit documents that prove that you meet the eligibility requirements for insurance.
Your application must include both of the following:

A. Proof of hours worked or income earned.
These documents should demonstrate one of the following:

- You worked at least 20 paid hours in each of the last 8 weeks
OR
- You earned at least $10,000 for work done within the last 6 months

Examples include: timesheets, invoices, payroll statements, employment contracts, and letters from clients or employers.

B. Proof of payment.
These documents should prove that you were paid for the work demonstrated above and should correspond with the hours and/or earnings documents in your application.

Examples include: pay stubs, payroll statements, pay checks, bank statements (with relevant deposits circled).


STEP 3 - Print the Proof of Work Form. Complete Section A, and have the client or employer for which you are submitting documents in step 2, complete and sign Section B. If you are using hours and/or earnings from more than one client or employer to qualify, you must submit Proof of Work forms signed by at least two of the clients or employers.

If you own your own business, you can sign the Proof of Work Form yourself, as long as you submit one of the following with your application:

  • incorporation certificate
  • d/b/a certificate
  • certificate of authority to collect taxes
  • corporate tax return
  • Professional license

STEP 4 - Submit your application by email, fax or mail:

Email: applications@freelancersunion.org

Fax: 877.707.3576 (toll free)

Mail: Member Services
Working Today - Freelancers Union
45 Main Street, Suite 710
Brooklyn, NY 11201

  • For emailed applications, please consolidate your documents into as few attachments as possible (up to 3). TIF or PDF files only.
  • For mailed applications, please submit letter-size (8 ½ x 11), single-sided copies only.
  • Original documents will not be returned.

IMPORTANT INFORMATION

Application Deadline: We must receive your complete application by the 10th of the month in order for you to enroll in insurance by the first of the next month. If the 10th of the month falls on a weekend or holiday, the deadline is the business day immediately prior to the 10th. We will review your application and may contact the signer(s) of your Proof of Work Form(s) to verify your application materials.

If we determine that your application is not complete, we will contact you by email or phone no sooner than 7 business days from the date we received your application to request additional documentation.

If you are asked to submit additional documents and we receive them after the 10th of the month (even if we received your initial documents by the 10th) your application was not complete by the 10th and you will be unable to enroll in insurance beginning on the 1st of the next month.

Approval and Enrollment: You will be notified by email when your application is approved, no sooner than 7 business days from the date we received your complete application. Your approval email will contain instructions for insurance enrollment. You must enroll in insurance within 30 days of your eligibility approval. If you do not enroll within 30 days you may have to complete the application process again.