How To Get Affordable Coverage Health Insurance

With no health care and other medical engagementnefits that their counterparts enjoy, self-employed and freelancers are out on the lurch. There is no security net for the independent workforce, until Sarah Horowitz spear-headed an insurance program called Freelancers Union.

Sarah Horowitz may be the answer to non-insureds prayer. A New York-based Freelancers Union fulfills many frustrating workforces endeavors to get hold of affordable insurance, and the Union of late announced its plans to start its own insurance company with the goal of offering a cheap system with beneficial cbeyondage.

A Cornell University graduate, Sarah Horowitz, is a former labor attorney and union organizer. Her goal is to form a union where freelancers with their collective power bring in a group purchasing of insurance, resources and advocacy. The spectrum of services include health and dental coverage, disability, life insurance where taxes are charged based on member needs, And many independent reservationsors are still so grateful that Horowitz has championed their cause, and make a success of providing the insurance.

Thats the Enterprising Idea feature presented by Jim Lehrer on PBS News Hour tonight.

Started in 1995, is a central non-profit organization called Freelancers Union grew out of the Americas growing independent workforce accounting for about 30% of the entire workforce.

The insurance is a enhanced route than COBRA (an insurance program for continued insurance after leaving employment, but this is reasonably exorbitant). There are eligibility guidelines to be met, but once youre in, there is no need to keep justifying the eligibility.

American corporations are cost cutting and increase flexibility and the resulting consequence is increased independent workforce. According to the Freelancers Union, the workforce includes “the segment of the labor force working outside of standard employment arrangements as independent contractors, temporary workers, contract workers, leased workers, part-time workers, on-call workers, day laborers, and the self-employed.”

The FAQ have answers to most questions almost about eligibility and notice about the company.

To be eligible for insurance, the applicant must a) be an independent worker, b) be a U.S. resident, c) work in an eligible industry or occupation and d) having documentation bringing to light 20 hours worked in the last 8 weeks or earned at least $10,000 in the last six months.

The eligible industries are limited but second hand to competently cover one industry when they first started in 2001. The industries covered are: a) Arts, Design & Entertainment, b) Domestic little one Care Giver, c) financial Services, d) Media & announcing, f) Nonprofit, g) passed through Computer User, h) Technology and i) Traditional or Alternative Health Care Provider. Over time, more benefits to cover more industries are spare as negotiations continue with insurance carriers. A survey taken giving them suggestions helps them familiar with the needs of members that may have be able to cover and it also indications you up for the monthly e-newsletter for important notifications.

Not everyone in the independent workforce is eligible to participate in the Freelancers Union presently, however, for those who are eligible, it provides a safety net of insurance and other health insurance products that they never competent. Freelancers Union continues to work to increase more eligible industries.

President Obama hopes to provide insurance incidents for millions of Americans who are not covered and this company may perhaps be the wheel to begin the exploration, instead of trying to reinvent the wheel from prickle.

Source

Comments regarding Freelancers Union membership http://forums.macresource.com/read/1/703201

http://www.freelancersunion.org/

What is the Freelancers Union? http://www.sitepoint.com/blogs/2009/03/19/what-is-the-freelancer%25e2%2580%2599s-union-and-do-you-need-to-join/

http://www.pbs.org/now/shows/407/freelance-facts.html

PBS Benefits Denied http://www.pbs.org/now/shows/407/transcript.html; http://www.pbs.org/now/enterprisingideas/freelancers-union.html

http://en.wikipedia.org/wiki/Freelancers_Union

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