Membership is instant and virtual! We don’t mail out membership cards, but in order to access discounts, you may need to print out a Proof of Membership card, which you can find here. You can also just print one out ‘cause they’re spiffy.
- Create a profile and get listed in the Freelancers Member Directory - Access member-only discounts - Get coverage through our National Benefits Platform - Sign up to receive e-newsletters with news, tips, and freelance fun from our blog - Network with other freelancers on Hives, our new social platform - Get involved in advocacy so your voice is heard - Attend Freelancers Union Sparks, which happen nationwide - Ask other freelancers questions or share tips on our community platform, Hives
Membership in Freelancers Union is 100% free, giving you access to members-only resources, benefits and discounts. Consider making an optional donation and help build a better future for independent workers. Donate here.
Unfortunately client non-payment is all too common a problem. Check out our resources for handling this situation here. and learn about our #FreelanceIsntFree campaign to bring new protections to freelancers.
Your username is the email address you chose to register with. If you forget your password you can have it reset by going to Account Settings and clicking Password Help under the Sign In box. Then follow the instructions to create a new password. We’ll send you a validation email to confirm the change, so you must be able to access the inbox for the email address we have on file for you in order to receive the validation link. Once you’ve clicked on the validation link, you may then sign in to your account using your new password.
If you forgot your password for managing insurance, you can reset your password by going to the insurance portal and clicking Forgot Password.
Sign in to the FreelancersUnion.org website and update your email address or password on the Account Information page. If you need to change your password for your insurance information, mouse over “My Account” and click “Manage My Insurance.” From there click “Change Password.”
At the time that Freelancers Union started offering dental coverage, a group program was the best way to find affordable coverage. Now, as the dental insurance market has changed, we have worked with Guardian to bring you substantial dental coverage at a lower price through direct plans.
Yes, but any increase is subject to providing Evidence of Insurability, and approval from Guardian is not guaranteed. Email us if you are interested in increasing your coverage and we'll be happy to send you the needed forms.
Disability benefits are not payable for any disability caused by 1) war or any act of war (including service in the armed forces); 2) committing a felony or taking part in a riot or civil disorder; and 3) intentionally injuring yourself or attempting suicide while sane or insane. No benefits are payable for any period during which you are confined to a correctional facility, are not under the care of a doctor, or are experiencing a loss of earnings not solely due to disability. This plan may or may not cover a pre-existing condition; check your Summary Plan Description for more information. This plan provides disability income insurance only. It does not provide "Basic Hospital," "Basic Medical," or "Major Medical" insurance as defined by the New York State Insurance Department.
Depending on how your disability plan is administered, your benefit check could be taxable. If you pay your plan premiums with pre-tax dollars, your benefit checks will be taxable. Any applicable Social Security or FICA taxes are automatically withheld from your checks. If, however, you pay 100% of your premiums with post-tax dollars, your benefit checks may be tax-free.
People who work independently stand to lose the most in the case of sickness or injury. Protecting yourself with disability insurance to cover unexpected costs and lost wages is a smart move. Investing in good life insurance will give you the peace of mind of knowing that the people who depend on you are taken care of, should anything happen to you. We selected Guardian as our life and disability insurance provider based on their 146-year history. As the fourth-largest mutual life insurance company in the country, Guardian can afford to make a long-term commitment to Freelancers Union and our members.
Worker's Compensation covers you only if you are an employee injured on the job, and does not cover an illness unless it is work-related. Social Security disability coverage is not guaranteed and rarely provides enough coverage to maintain your lifestyle.
There is an initial period of time following the start of a disability, called the elimination period, when benefits are not payable. If you are eligible to receive a disability benefit, the benefit will be paid after this elimination period has elapsed, which may be 30 or 90 days depending on your plan.
We are launching a new partnership this fall to offer IRA plans for freelancers. We'll announce when the new plans are available in our newsletter. Sign up to your membership account and make sure you're subscribed to our weekly newsletter and keep an eye out for updates.