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Membership
My Account
Billing
Am I Eligible?
Health Insurance Through Freelancers Insurance Company
Freelancers Health Collective
CO-OPs
Health Insurance
Dental Insurance
Life Insurance
Disability Insurance
Individual Health Insurance
Retirement Plan
Political Action Committee (PAC)

Membership


+ How do I become a member of Freelancers Union?

+ How much does membership cost?

+ What are the requirements of membership?

+ What are the benefits of being a member?

+ Where are benefits available?

+ When will I receive a Freelancers Union membership card?

+ Whom should I contact if I have questions?

+ How can I find out about upcoming events?

+ What can I do if one of my clients won’t pay me?

+ I'd like to stop by your office and talk to someone. Can I do that?

+ Why is there such a long wait-time to reach a Member Services representative?

+ Where are benefits available?

+ What's the difference between Working Today and Freelancers Union?

My Account


+ How do I change my username and password?

+ What if I forget my username and/or password?

+ How do I change my address?

+ Are there eligibility requirements for the insurance products?

+ How do I get insurance?

+ Are there eligibility requirements for the insurance products?

+ How do I get a new or replacement insurance card?

+ What is open enrollment?

Billing


+ How can I pay for my insurance coverage?

+ Where do I send my check?

+ How can I view my old bills?

+ How will I know my payment has gone through?

+ Are there any fees to access insurance benefits through Freelancers Union?

CO-OPs


+ What are the CO-OPs I am hearing about and how is the Freelancers Union involved?

+ What does this mean for Freelancers Insurance Company? Will you still be offering health coverage?

Am I Eligible?


+ Where can I learn more about the eligibility requirements?

+ I just started freelancing. Am I eligible to apply for insurance?

+ What do I have to do to get insurance?

+ How long does it take to process my eligibility application? How soon can I enroll in the benefits?

+ Can I submit my 1099, W-2, 1040, IT-201 or any other tax form to demonstrate my earnings?

+ What if I have multiple clients? Do I need to complete a Proof of Work for every single one?

+ What if I’m eligible in more than one industry – which should I select on the application?

+ What if I need to use earnings from more than one industry or occupation to meet the earnings requirement?

+ Who do I list as the client on the Proof of Work Form if I'm on assignment through an agency – the agency or the workplace?

Health Insurance Through Freelancers Insurance Company


+ Where can I learn about health coverage with Freelancers Insurance Company?

+ Where can I view Freelancers Insurance Company’s health plans?

+ I renewed my health insurance during the 2013 open enrollment period. When do my plan deductibles reset?

Freelance Health Collective


+ What is Freelancers Health Collective?

+ Do you only offer a $0 co-pay for primary care services through Freelancers Health Collective?

+ How can I access Freelancers Health Collective services?

+ What if I change my mind and no longer want to use the primary care services at Freelancers Health Collective?

+ How much does it cost to be part of the Freelancers Health Collective program?

+ Where are the Freelancers Health Collective offices located?

+ Can I still see a specialist if I'm a member of Freelancers Health Collective?

+ Do you have a pediatrician and OB/GYN at the practice?

+ What makes Freelancers Health Collective convenient?

+ How can I change my primary Freelancers Health Collective location?

Dental Insurance

Guardian MDG Plan / Guardian PPO Plan

+ How can I get dental insurance?

+ When can I switch plans?

+ Can I add or remove a child, spouse, or domestic partner from my plan?

+ How can I get dental insurance?

+ When does my coverage start?

+ How do I end my coverage?

+ When can I end my coverage?

Questions about the Guardian MDG Plan:

+ How do I find a dentist in my area?

+ Can I visit any general dentist I want under the MDG Plan?

+ What if I want to change my dental office after I’ve picked one? Is there a limit to how many times I can change?

+ Does the whole family have to use the same dental office, or can my dependents choose a different one?

+ What if I need to see a specialist?

+ I’ve taken my five-year-old to a pediatric dentist. Can I do that with Guardian’s MDG?

+ What is meant by the term “patient charge”?

+ When I visit a plan dentist, are there any claim forms to fill out?

+ What if I have a problem with my plan dentist, or with my coverage?

+ When will my coverage go into effect?

+ What is a plan deductible?

Questions about the Guardian PPO Plan:

+ How do I find a dentist in my area?

+ Can I visit any dentist or specialist under the PPO Plan?

+ What is an annual maximum?

+ What is co-insurance?

+ What is a negotiated fee-for-service?

+ What is pre-treatment review?

+ When I visit a dentist, are there any claim forms to fill out?

+ Do all my covered family members have to go to the same network or non-network dentists?

+ What does usual, customary, and reasonable mean?

+ What if I have a problem with my plan dentist, or with my coverage?

+ When will my coverage go into effect?

Life Insurance


+ Why do I need disability and life insurance?

+ Will my health status be considered in the application?

+ How much life insurance do I need?

+ How are life insurance rates determined?

+ Can I increase my life insurance amount at a later date?

+ Do premium rates remain level or do they increase as I get older?

+ How will I know I’m enrolled in the life insurance plan of my choice?

Disability Insurance


+ Why do I need disability and life insurance?

+ What is voluntary long-term disability insurance?

+ What exactly will my disability plan cover?

+ What about Worker's Compensation and Social Security?

+ Will my long-term disability plan cover a work-related injury?

+ What is not covered?

+ Will my health status be considered in the application?

+ If I become disabled, how soon will my benefit begin?

+ Once I receive long-term disability benefits, will my premiums be waived?

+ Will my disability benefit check be taxable?

+ How often will I receive a disability benefit check?

+ Will payments from other sources affect the amount of disability benefits paid to me?

+ How will I know I’m enrolled in the disability insurance plan of my choice?

+ Do premium rates remain level or do they increase as I get older?

Retirement Plan


+ Is this plan just like a 401(k) plan that I would get through an employer?

+ Doesn't a 401(k) have a company match?

+ Who are you partnering with to offer this plan?

+ Who is eligible for the Freelancers Retirement Plan?

+ Why is this only for people with 1099 income?

+ What if I have both 1099 and other kinds of income?

+ How do I enroll?

+ Why do you need my Social Security number?

+ What customer service is available?

+ I never received the confirmation email from Milliman. What do I do?

+ I try to log in to the Milliman website, but I get an error. What's wrong?

+ I've already enrolled. How do I view my plan or make changes?

+ As a freelancer, I often have temporary cash flow needs. Can I withdraw money from this plan in those instances?

+ How do I change my investment elections or contribution amount?

+ Who is my beneficiary, and how do I change that?

+ How do I terminate my account?

+ How do I contribute to my plan?

+ Can I contribute by check?

+ Can I contribute online / automatically?

+ Can I contribute whenever I want?

+ My income is extremely uneven-how can I save with a monthly debit?

+ How much can I contribute to my plan?

+ What is a profit sharing contribution?

+ How do rollover contributions work?

+ The MillimanBenefits.com website asks me if I will make contributions pre-tax or Roth. What is the difference between a pre-tax contribution and Roth contributions?

+ What are some of the Retirement Plan's tax advantages?

+ How will distributions from my plan accounts be treated for tax purposes?

+ How can I maximize my tax savings?

+ Is this plan insured against loss?

+ Who can help me choose my investment elections?

+ Why was I defaulted into a particular investment profile?

+ What's the default plan?

+ What funds make up my Retirement Plan investment options?

+ Do you have options for socially responsible or "green" investing?

+ Who monitors my investments?

+ The stock market doesn't seem safe right now. Can I invest in something else?

+ Do you offer a brokerage window?

+ What related administrative fees and expenses are associated with the Retirement Plan ?

Political Action Committee (PAC)


+ Are refunds available for contributions?