The following process applies to group insurance plans only.

Learn more about individual market plans through UnitedHealthcare's Golden Rule Insurance Company and other affiliates.

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, and click on Add Insurance in the black box in the upper right section of the screen.

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:

Fax: 877.707.3576 (toll free)

Email: applications@freelancersunion.org TIF or PDF files only.  Please consolidate all documents into no more than 3 attachments.

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

Please DO NOT send us original documents.  All submitted documents must be single-sided copies on 8 1/2" by 11" paper.

Once received, application documents will not be returned.

Application documents that do not conform with the requirements above cannot be processed.

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.