SMALL BUSINESS BENEFITS
PPO health insurance and a full suite of employer-style benefits for the self-employed
Signing up with a Professional Employer Organization brings you a suite of employer-style benefits you can’t get on your own.
Whether you work on your own or manage a small number of employees, independent contractors with a steady monthly income can sign up for premium health coverage, flexible spending accounts, 401(k) plans, and disability insurance, among other top-tier benefits. The PEO acts as your personal HR department, taking care of all the paperwork so you can spend more time doing the work you love.
You can enroll in this program throughout the year.
Your freelance business must be able to support a monthly payroll of about $2,400/month. The majority of this will pay for benefits, taxes, and fees, and some will come back to you as personal income. Fill out the form below to speak with one of our partner’s experts, who will design the right package for you.
How It Works
- Hire our partner Central Staff Services, a Professional Employer Organization, as your outsourced HR department and work with them to curate the benefits package that fits your needs
- As a member of the PEO, you have access to a suite of benefits, including health insurance, workers comp, and disability insurance
- Bear in mind that PPO health insurance may be more expensive than the plans that are available on the individual market
EmblemHealth PPO Plans
- Emblem Health (HIP Prime network)
- Larger networks than on the individual market, with premier hospitals
- Out-of-network coverage
Who Qualifies
- Independent contractors or small businesses and their employees (if any)
- Consistent 1099 or business income of at least $2,400/month (in addition to the premium of your chosen medical plan)
- Located in New York, New Jersey, or Florida
- Must have an EIN for your freelance business (you can get one here for free)
Small Business Benefits
Fill out the form below to learn more about our PEO program. You will be contacted by a representative from our partner, CSS, who can help you build a benefits package that fits your needs.
THE FINE PRINT (LAWYERS MADE US DO IT)
Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency, a wholly owned affiliate of FU, is a licensed producer in the lines of Property and Casualty insurance in New York, Pennsylvania, New Jersey and California only. FIA contracts with Dinghy USA Inc. and NSM Insurance Services LLC (collectively “Dinghy”). Dinghy is part of the NSM Insurance Group and a nationally licensed insurance producer. Other than New York, Pennsylvania, New Jersey and California, Dinghy is acting as the insurance agent of record. You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products.
The information on this Website about insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any insurance products are governed solely by the applicable Member Contract or Policy Form. In the event of any inconsistency between information provided on this Website and the specific provisions of the Member Contract provided by the carrier, the carrier’s Contract shall govern.