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My Account
Am I Eligible?
Health Insurance Through Freelancers Insurance Company
Freelancers Health Collective
Health Insurance
Dental Insurance
Life Insurance
Disability Insurance
Individual Health Insurance
Retirement Plan
Political Action Committee (PAC)
+ How do I become a member of Freelancers Union?
Fill out the registration form on the website.
+ How much does membership cost?
Membership in Freelancers Union is free. The only fees we have are associated with enrollment in group insurance products. This fee covers the cost of administering the group plans.
+ What are the requirements of membership?
Our membership is open to independent workers—freelancers, consultants, independent contractors, temps, part-timers, contingent employees and the self-employed.The eligibility requirements we have are only for the insurance products we offer. See the How to Apply page for more information.
+ What are the benefits of being a member?
As a member of Freelancers Union you can:
- Create a profile and get listed in the Freelancers Yellow Pages
- Access discounts
- Post a project or gig
- Contribute to the resources
- Find and apply for a gig
- Manage your account and update your contact info
- Apply for insurance products
- Sign up to receive e-newsletters
- Network with other freelancers
- Get involved in advocacy so your voice is heard
- Attend a popular Freelancers Union event
+ Where are benefits available?
We offer dental, life and disability insurance nationwide. Freelancers across the country are welcome to become members of Freelancers Union in order to take advantage these and other benefits, such as discounts. Join now! To learn more about insurance available in your area, go to Insurance.
If something isn't available in your state, tell us! Complete a short survey and help us bring health insurance to your state!
+ When will I receive a Freelancers Union membership card?
We do not issue Freelancers Union membership cards. Membership in Freelancers Union offers a number of benefits, including corporate and member-to-member discounts. In order to access these discounts you may be required to show a Proof of Membership letter, which you can print directly from our website by signing in.
+ Whom should I contact if I have questions?
Visit our Contact Us page.
+ How can I find out about upcoming events?
See the events page on the website for regular updates, or contact our events department at firstname.lastname@example.com
+ What can I do if one of my clients won't pay me?
Unfortunately we are not in a position to offer legal advice. Please see the New York State Department of Labor's website for further information.
+ I'd like to stop by your office and talk to someone. Can I do that?
Unfortunately we cannot accommodate walk-ins, but you may drop off your application at the drop-box in the front of the office. Contact Member Services either by phone or by email if you have any questions.
+ Why is there such a long wait-time to reach a Member Services representative?
Member Services works as quickly as possible within the given time frame to process documents, answer telephone calls and review applications. Occasionally there is a hold time as we may have a high volume of incoming calls and we answer all inquiries as thoroughly as possible. You may leave a voicemail or send an email, and a Member Services associate will respond as quickly as possible.
+ Where are benefits available?
We offer dental, life, and disability insurance nationwide. Freelancers across the country are welcome to become members of Freelancers Union in order to take advantage these and other benefits, such as discounts.
+ What's the difference between Working Today and Freelancers Union?
Freelancers Union is a 501(c)(4) nonprofit membership organization that provides its members with education, resources, and, subject to eligibility requirements, access to dental, life, and disability insurance. It is affiliated with Working Today, a 501(c)(3) nonprofit organization, which was founded in 1995 and launched a Portable Benefits Network for independent workers in 2001. The PBN was renamed Freelancers Union in 2003, and in 2008 Freelancers Union became a separate but affiliated entity with 501(c)(4) nonprofit status, which has enabled it expand its public policy work to include lobbying.
To read more about our organization, our founder, and what we're working on, see the About Us section of the website.
My Account
+ How do I change my username and password?
Sign in to the FreelancersUnion.org website and update your email address or password on the Account Information page.
+ What if I forget my username and/or password?
Your username is the email address you choose to register with. If you forget your password you can have it reset by clicking Password Help, under the Sign In box, and following 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.
Note: It will take up to 24 hours for your password to be updated in our group insurance billing system.
If your address changes, sign in to the FreelancersUnion.org website and update your info on the Account Information page.
+ Are there eligibility requirements for the insurance products?
There are eligibility requirements for dental, life, and disability insurance plans. Eligibility requirements are based on industry/occupation, hours worked, and/or earnings. Please go to the How to Apply page to see if you qualify for group insurance benefits through Freelancers Union.
Follow the steps in the insurance section of this website.
+ Are there eligibility requirements for the insurance products?
There are eligibility requirements for all of the group insurance plans. Eligibility requirements are based on industry/occupation, hours worked, and/or earnings. Please go to the How to Apply page to see if you qualify for group insurance benefits through Freelancers Union.
The plans we offer through Golden Rule are individual market plans, which means that you'll deal directly with the insurance company for everything from application to paying your monthly premium and checking up on claims. Freelancers Union doesn't determine eligibility for the Golden Rule plans, but, depending on the rules in your state, rates and coverage can vary depending on your medical history.
+ How do I get a new or replacement insurance card?
For health insurance cards:
Call Empire BlueCross BlueShield: 800.563.0319
Call PerfectHealth: 718.370.5380
Call Golden Rule: 800.657.8205
For dental insurance cards:
If you are on the Guardian MDG or HMO dental plan, contact Guardian directly:
New York: 888.618.2016
California and Texas: 800.273.3330
Florida, Illinois, and Michigan:866.494.4542
If you are on the Guardian PPO dental plan, contact our administrative office at firstname.lastname@example.com
There are no cards for life and disability insurance.
Freelancers Union open enrollment is a period when you can make changes to your enrollment in group insurance plans. Please note that Open Enrollment does not apply to individual market plans through Golden Rule. Open enrollment takes place once a year and is a specified period of time when you can switch from one health or dental plan to another, and add or drop dependents from coverage.
You may purchase life or disability insurance coverage for the first time at any time during the year; however, certain rules apply if you wish to make changes to your existing plan.
+ How can I pay for my insurance coverage?
You have three payment options. Your chosen payment method determines how you receive your invoice. You can change your preferences after signing in to our billing and enrollment website.
The options for payment are:
Recurring EFT
You will receive an email reminder on the 4th business day of the month that your invoice is available to be viewed on the billing and enrollment website. On the 15th of the month before your coverage month, the amount you owe will be automatically and conveniently deducted from your bank account.
You will receive an email reminder on the 4th business day of the month that your invoice is available to be viewed on the billing and enrollment website. You'll need to either make a one-time electronic payment on the billing and enrollment website or pay over the phone.
Paper billing
You will receive a paper invoice by mail that contains a payment coupon. You can pay by paper check by mailing your check with the payment coupon located at the top of your payment invoice, by one-time electronic payment on the billing and enrollment website, or by phone.
Note that there is a $2 monthly fee to receive paper invoices in order to cover the cost of the creation, printing, processing, and mailing of paper bills.
In order to pay by check, you'll need to include a payment coupon from your paper invoice. There is a $2 fee to cover the cost of the creation, printing, processing, and mailing of paper bills.
+ How can I view my old bills?
Sign in to the Freelancers Union website and select Pay Your Bill. You'll be taken to the billing and enrollment website. From there, select Billing History from the Billing menu.
+ How will I know my payment has gone through?
Once you've made a payment on our billing and enrollment website, you'll receive a confirmation message. You'll receive an email once your payment has been processed.
+ Are there any fees to access insurance benefits through Freelancers Union?
Yes. There is a $75 annual access fee to access any of our insurance benefits. This fee covers the costs of administering your insurance plan(s). This fee also helps to offset the costs of providing customer service, which will be available to you as long as you are a member. It will appear on your invoice once a year, for as long as you remain on any type of insurance coverage.
+ What are the CO-OPs I am hearing about and how is the Freelancers Union involved?
Consumer Oriented and Operated Plans (CO-OPs) were created as part of the Affordable Care Act and are designed to operate on the new health care exchanges. We supported the creation of three CO-OPs that operate in New Jersey, New York and Oregon and are based on the proven health coverage model we developed in New York for FIC members. However, the CO-OPs are entirely separate from the Freelancers Union and Freelancers Insurance Company.
+ What does this mean for Freelancers Insurance Company? Will you still be offering health coverage?
We have worked hard to ensure the continuity of care for our members during this tumultuous time of health care reform. Our members will continue to have access to our health plans, which we designed to meet the unique needs of freelancers.
Our health plans also offer exclusive access to the Freelancers Medical program where members avoid copays for primary care visits, experience integrative care, take advantage of free yoga and group acupuncture, and participate in other classes and workshops. Rest assured, we are committed to offering health coverage and offering innovative health care services custom tailored to freelancers.
Am I Eligible?
+ Where can I learn more about the eligibility requirements?
See the How to Apply page for detailed information about the insurance eligibility requirements and instructions on how to apply.
+ I just started freelancing. Am I eligible to apply for insurance?
If you recently started freelancing you may be able to apply. You would still need to demonstrate that you've worked a minimum of 20 hours per week for the last 8 weeks or that you've earned $10,000 for work done in the last six-month period within one of the eligible industries. Earnings may be shown from a previous job (granted it was also in one of the eligible industries) even if it was full-time. However, you must show that you've been paid at least once as a freelancer.See the How to Apply page for more information.
+ What do I have to do to get insurance?
First, make sure you're a Freelancers Union member (it's free!). Then, explore the plans that are available in your area by entering your ZIP code. After you've decided which plans you'd like, you'll need to apply to become part of the Freelancers Union insurance group.
+ How long does it take to process my eligibility application? How soon can I enroll in the benefits?
Freelancers Union will contact you no less than 7 business days of receiving your eligibility application. If your application is missing anything, we will contact you by email. If your application is complete, you will receive an approval notification via email that will contain detailed enrollment instructions. Once your application is approved, you will be able to enroll in insurance.
All insurance (life, disability, and dental) can begin on the first of any given month. 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. We will review your application and may contact the client(s) on 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 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.
If you're applying for life and/or disability insurance, the same general timeline applies, except that enrollment by the 1st of the following month is pending review and approval of your application by the carrier.
+ Can I submit my 1099, W-2, 1040, IT-201 or any other tax form to demonstrate my earnings?
No. Our eligibility requirement necessitate that we look at earnings for a specific time frame and unfortunately these documents do not allow for this. We will consider pay stubs, bank deposits, copies of checks, cancelled checks or an official letter written from a client/employer as acceptable earnings documents.
+ What if I have multiple clients? Do I need to complete a Proof of Work for every single one?
Include only the clients for whom you are submitting documentation of work and earnings. If this includes more than one client, you should submit ONE Proof of Work, for up to five clients. If your documentation will include more than five clients, please submit one form with five of the clients'/ employers' information. You will still need to submit documents for the unlisted clients/employers to show you meet the eligibility requirements.
+ What if I'm eligible in more than one industry – which should I select on the application?
If you qualify in more than one industry it doesn't matter which you select on your application, as the hours and earnings requirements are the same for every industry. If you need to choose two industries because you're showing documentation from both to meet earning/hours requirements, then you should select both industries on your application.
+ What if I need to use earnings from more than one industry or occupation to meet the earnings requirement?
You can submit documentation from any combination of industries and occupations to prove your eligibility for the insurance group. On theProof of Work Form, you should select all industries for which you are proving earnings and hours in your application.
+ 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?
If you work for an agency, include where you work on the Proof of Work Form. There's also a space for you to provide the contact information for your agency.
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?
You can learn more about Freelancers Insurance Company and their insurance offerings when you visit www.freelancersinsuranceco.com.
+ 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?
Freelancers Health Collective is an innovative program that pairs primary care with alternative and wellness services. Designed by Freelancers Union to help independent workers live healthy and balanced 360-degree lives, Freelancers Health Collective is a built-in feature of Freelancers Insurance Company plans. It is located in the Freelancers Union Halls in Brooklyn and Manhattan -- spaces where members and freelancers can connect with a supportive community.
Freelancers Insurance Company plan members have access to unlimited primary care with $0 co-pay and a host of free wellness services, including acupuncture, nutrition counseling, yoga, Tai Chi and meditation classes, and stress management programs at our Freelancers Union Halls.
+ Do you only offer a $0 co-pay for primary care services through Freelancers Health Collective?
Yes, the $0 co-pay primary care services are only available for members of Freelancers Insurance Company through the Freelancers Health Collective program at the Freelancers Union Halls in Brooklyn and Manhattan. If you visit a doctor outside of the Freelancers Health Collective program, the visit will be subject to a co-pay, deductible, or co-insurance, depending on your plan's benefits.
+ How can I access Freelancers Health Collective services?
If you enrolled in a Freelancers Insurance Company plan in 2013, then you just need to log in and fill out an online form. It only takes a minute, and you can make an appointment the same day.
If you enrolled in one of our health plans in 2014, then you're automatically enrolled in Freelancers Health Collective and can make an appointment (or stop in for a wellness class) at any time.
+ What if I change my mind and no longer want to use the primary care services at Freelancers Health Collective?
If you enrolled in a health plan with us in 2013, call us at 800.856.9981 or email firstname.lastname@example.com and ask to be removed from Freelancers Health Collective.
If you enrolled in a health plan with us in 2014, you may see a doctor outside of Freelancers Health Collective; a deductible will apply for bronze, silver and gold metal plans and a $50 co-pay for the platinum level plan.
+ How much does it cost to be part of the Freelancers Health Collective program?
Nothing. If you are a Freelancers Insurance Company member who has a Value 2 or PPO plan, there is no additional charge to take advantage of $0 co-pay services at Freelancers Health Collective. We will also draw blood and collect lab samples in the practice at no cost, but samples be processed at off-site labs, and will be billed in accordance with your plan.
+ Where are the Freelancers Health Collective offices located?
408 Jay Street, 4th Floor
Brooklyn, NY 11201
Phone: 718.971.5600
Manhattan office:
80 Maiden Lane, Suite 2101
New York, NY 10038
Phone: 646.843.4510
+ Can I still see a specialist if I'm a member of Freelancers Health Collective?
Yes, you can still see specialists. Depending on your plan, a deductible may apply. For your convenience, Freelancers Health Collective covers primary care - including pediatric and gynecological services. Once you're a part of Freelancers Health Collective, you can select either the Brooklyn or Manhattan Freelancers Union Hall as your primary location.
+ Do you have a pediatrician and OB/GYN at the practice?
Our doctors and nurses are general practitioners who are trained to offer pediatric and gynecological care, but we do not have a pediatrician or OB/GYN at the practice.
+ What makes Freelancers Health Collective convenient?
We built Freelancers Health Collective to meet the needs of freelancers who often have hectic schedules. Wait times for a visit are short, and there's WiFi in the lounge. We also offer virtual appointments through Skype, online appointment booking after your first visit, and 24-hour telephone access to a healthcare provider (that's in addition to regular Brooklyn and Manhattan practice hours).
+ How can I change my primary Freelancers Health Collective location?
To change your primary care location, just fill out this simple online form
Dental InsuranceGuardian MDG Plan / Guardian PPO Plan
+ How can I get dental insurance?
Your first step is to apply to join the Insurance and Benefits Group. Once you're approved, you'll have 30 days to enroll in dental insurance. If you don't enroll during that period, you'll need to wait until the next dental open enrollment period (typically in November or December of each year).
If you've had dental insurance from Freelancers Union before, you'll need to wait 12 months from the date your coverage ended to re-enroll in dental insurance.
If you're enrolled in health, life, or disability insurance and you want to re-enroll in dental insurance, you'll need to wait until the first open enrollment period after you've met the 12 month waiting period.
Once your coverage begins, you can switch plans only during the annual open enrollment period.
+ Can I add or remove a child, spouse, or domestic partner from my plan?
If you don't add your dependent when you initially enroll in a plan, you can add them during the annual open enrollment period or as the result of a qualifying event. If you add a dependent after a qualifying event, you may need to verify your dependent's eligibility and relation to you.
Qualifying events include:
- Marriage
- New domestic partnership
- Loss of other coverage (due to loss of employment, end of the plan or contract, or loss of eligibility for a government-sponsored plan)
- New child (by birth or adoption; dependent children of domestic partners are governed by the same rules as a member's children)
If you're enrolled in the MDG plan, you can remove dependents only during the annual open enrollment period or within 30 days of a qualifying event. You can remove dependents from the PPO plan at any time.
+ How can I get dental insurance?
The following dependents are eligible for dental coverage:
Spouse: Legal spouse (unless legally separated) and common-law spouse where legally recognized by the state.
Dependent Child: A qualifying dependent child is eligible through the end of the month he/she turns 20. Qualifying dependents include:
- Your natural child
- Your legally adopted child
- Your stepchild
- A child under your legal guardianship
- A child of your qualified domestic partner living with you and your domestic partner in a parent-child relationship
- Full-time Student: Any of your unmarried children described above who are:
- Over age 20 and under age 26;
- Enrolled in an accredited school as a full-time student; and
- Primarily supported by the member.
Dental coverage ends at the end of the calendar year in which your dependent turns 26.
Domestic Partner: Your domestic partner may be eligible for coverage. A domestic partner is an unmarried adult who is not related to you by blood in a manner that would bar marriage under applicable state laws, and who resides with you in a continuous relationship of indefinite duration in which you both have responsibility for each other's welfare and financial well-being. NOTE: A Domestic Partner cannot be added if either you or your domestic partner has been part of another domestic partnership within the last 6 months. All persons added under this section will be considered family members.
Child(ren) of a Domestic Partner: Your covered domestic partner's dependent child(ren) may also be eligible. Dependent children are governed by the same terms and conditions that apply to your child(ren).
+ When does my coverage start?
Your dental insurance will start the first of the month indicated on the enrollment form, or the first of the month after open enrollment, or the first of the month following the birth or adoption of a child.
To end your coverage, sign in to the billing and enrollment website and follow the instructions listed under the Coverage menu.
You can end your coverage for any reason at any time. Once coverage begins, the first month's premiums and fees are non-refundable, but any payments you've made for future months of coverage will be refunded.
Your coverage will end on the last day of the month you make your request and can't be made retroactively. Ending your coverage will also end coverage for any and all of your dependents.
If you end your dental coverage, please note that you must wait 12 months from the date your coverage ended to re-apply.
Questions about the Guardian MDG Plan:
+ How do I find a dentist in my area?
Perform a dental provider search on Guardian's website. Select DHMO/Prepaid from the plan dropdown menu and then follow the prompts to complete your search.
+ Can I visit any general dentist I want under the MDG Plan?
To have your dental services covered, you must go to the dental office that you choose when you enroll. You can find a conveniently located dentist in the MDG or HMO Directory of Participating General Dentists, or on the Guardian website. All of your dental care will be provided by, or arranged by, your selected dental office. For more information about the services covered in the MDG plan, see the Benefit Summary for your 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?
You can change dental offices just by calling Guardian. The change will be effective on the first day of the next month, as long as you call before the 20th day of the month.
There's no limit to the number of times you can change dental offices, but selections are always effective from the first day of a month to the last day of a month. Any services started at one dental office must be completed by that office, and your account with the first office must be paid in full before a transfer can be processed.To contact Guardian:
- New York: 888.618.2016
- California and Texas: 800.273.3330
- Florida, Illinois, and Michigan: 866.494.4542
+ Does the whole family have to use the same dental office, or can my dependents choose a different one?
Each family member can enroll with a different dental office.
+ What if I need to see a specialist?
The MDG or HMO network includes oral surgeons, periodontists, endodontists, orthodontists and pediatric dental specialists. If you need dental services that only a specialist can provide, your primary care dental office will request authorization from Guardian for you to see a participating specialist. (Usually your dental office will have the referral authorized within ten days; if it's an emergency, it is faster.) You will be responsible for the patient charge shown in your booklet for any covered services performed by a specialist dentist.
+ I've taken my five-year-old to a pediatric dentist. Can I do that with Guardian's MDG?
Your child must first be seen by a general dentist at your selected dental office. If a child under age six is unmanageable, a referral to a pediatric dental specialist may be made. After the child's sixth birthday, pediatric specialty services will not be covered.
+ What is meant by the term "patient charge"?
With the MDG or HMO plan, most diagnostic and preventive services are covered at no cost to you. However, for basic, major and some preventive services, you will pay a certain amount -- which is referred to as a patient charge -- for each covered service you receive. The patient charges for your MDG or HMO plan are listed in your certificate of coverage booklet, so you'll always know what you'll have to pay for services you need. With The Guardian MDG or HMO plan, there are no deductibles, annual maximums or co-insurance, plus pre-treatment reviews are not required for services provided by your participating general dentist.
+ When I visit a plan dentist, are there any claim forms to fill out?
No. Under the plan, any necessary paperwork for services from participating dentists is handled by your selected dental office. You just show your MDG or HMO ID card.
+ What if I have a problem with my plan dentist, or with my coverage?
Call MDG or HMO Member Services and discuss your problem with the representative. He or she will work with you to help you resolve your problem. If you are still unsatisfied, you can submit a grievance form explaining the matter. Guardian Member Services or your dental office can provide a form for you to use. Guardian keeps track of all grievances and regularly reviews grievance reports to identify potential problem areas.To contact Guardian:
- New York: 888.618.2016
- California and Texas: 800.273.3330
- Florida, Illinois, and Michigan:866.494.4542
+ When will my coverage go into effect?
Freelancers Union will notify you by email when your coverage takes effect.
A deductible is the dollar amount of covered dental expenses you must pay during the year before benefits are paid by Guardian. This is generally based on the calendar year. Deductibles apply to each covered person. The deductible for the Guardian PPO plan is $50.00 per person (3 per family).
Questions about the Guardian PPO Plan:
+ How do I find a dentist in my area?
Perform a dental provider search on Guardian's website. Select PPO from the plan dropdown menu and then follow the prompts to complete your search.
+ Can I visit any dentist or specialist under the PPO Plan?
If you visit a Guardian PPO Network Provider, the benefits described in the Benefit Summary will be paid based on a reduced fee schedule (this will mean lower out-of-pocket expenses). The network provider cannot charge in excess of the fee schedule, so you can receive more services with your yearly maximum. If you go to an out-of-network dentist, the benefits will be based on usual, customary and reasonable rates for a given area.
An annual maximum is the maximum amount your dental plan will pay in benefits during the year. Both are generally based on the calendar year. Deductibles and annual maximums apply to each covered person. The annual maximum for the Guardian PPO plan is $1,000 per person.
For some services, you may share in the cost of your dental expenses. This is represented as a percentage of the usual, customary and reasonable level (if a non-network dentist is used) or a percentage of the negotiated fee for covered services (if a network dentist is used). The percentage of co-insurance usually depends on the type of service received: Preventive, Basic or Major. See the Benefit Summary for the co- insurance amounts for the Guardian PPO plan.
+ What is a negotiated fee-for-service?
This refers to the set maximum fees for services that have been negotiated with our contracted network dentists and specialists. These average 30% less than the fees they usually charge.
+ What is pre-treatment review?
For all courses of treatment expected to exceed $300, your dentist should submit a report to Guardian describing the proposed treatment and itemizing expected charges. Guardian will review the report and send the dentist an estimate of benefits they will pay. Emergency treatment, oral examination, cleanings, and x-rays may be performed before the review is prepared.
+ When I visit a dentist, are there any claim forms to fill out?
Network dentists have contracted with Guardian to submit claim forms and accept benefits directly from Guardian. Some non-network dentists may submit claims directly to Guardian. More often, however, non-network dentists will require that you pay for services at the time they are rendered. Afterwards, complete a claim form and forward it to Guardian along with a copy of your payment receipt.
+ Do all my covered family members have to go to the same network or non-network dentists?
No. If they wanted to, every family member could go to a different network or non-network dentist or specialist, every time they need care.
+ What does usual, customary, and reasonable mean?
Usual, customary, and reasonable (UCR) charges for covered services are determined by using the usual level of charges made by the majority of dentists in the same geographic area for the same service. If your dentist's fee is lower than the UCR charge, the plan will pay benefits based on the actual fee. If the fee is higher, the plan will pay benefits based only on the UCR charge, and you are responsible for any amount above the UCR limit.
+ What if I have a problem with my plan dentist, or with my coverage?
Call PPO Member Services (1.800.541.7846) and discuss your problem with the representative. He or she will work with you to help you resolve your problem. If you are still unsatisfied, you can submit a grievance form explaining the matter. Guardian Member Services or your dental office can provide a form for you to use. Guardian keeps track of all grievances, and regularly reviews grievance reports to identify potential problem areas.
+ When will my coverage go into effect?
Freelancers Union will notify you by email when your coverage takes effect.
Life Insurance
+ Why do I need disability and life insurance?
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.
+ Will my health status be considered in the application?
Health-related questions are not asked in the eligibility application, nor are they a part of the enrollment for health or dental insurance. If you're applying for life or disability insurance, you will be asked qualifying questions about your health and medical background.
+ How much life insurance do I need?
Everyone has his or her own life insurance needs and budget, but the rule of thumb is that you should have 3 to 5 times your annual salary in life insurance coverage.
+ How are life insurance rates determined?
Participant and spouse rates are based on age, gender and tobacco usage.
+ Can I increase my life insurance amount at a later date?
Yes, but any increase is subject to providing evidence of insurability, and approval is not guaranteed.
+ Do premium rates remain level or do they increase as I get older?
Rates are grouped in five-year age bands and will change as you move from one age band to the next. Generally, premiums are adjusted on the group policy's anniversary date.
+ How will I know I'm enrolled in the life insurance plan of my choice?
There are no ID cards for life insurance, but you will receive an email confirmation once your enrollment is complete. You will receive a copy of the " >benefit booklet for your life insurance plan in the mail; this can also be downloaded from our website for your records. If there is any discrepancy between the summary of benefits on our website and your Guardian benefit booklet, the benefit booklet prevails.
Disability Insurance
+ Why do I need disability and life insurance?
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.
+ What is voluntary long-term disability insurance?
Voluntary disability is an insurance program that allows you to protect your income at a low group rate.
+ What exactly will my disability plan cover?
Your plan will cover a portion of your income if you suffer from a disabling accident, illness, or pregnancy or disabling complications of pregnancy.
+ What about Worker's Compensation and Social Security?
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.
+ Will my long-term disability plan cover a work-related injury?
Yes. To the extent that benefits you receive from Worker's Compensation exceed 66-2/3% of your income, it will be deducted from your Guardian benefit check.
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.
+ Will my health status be considered in the application?
No health-related questions are asked in the eligibility application, nor are they a part of the enrollment for health or dental insurance. If you're applying for life or disability insurance, you will be asked qualifying questions about your health and medical background.
+ If I become disabled, how soon will my benefit begin?
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.
+ Once I receive long-term disability benefits, will my premiums be waived?
Yes, your premium payments will be waived once you satisfy the elimination period and are eligible to receive a benefit.
+ Will my disability benefit check be taxable?
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.
+ How often will I receive a disability benefit check?
Long-term disability checks are paid monthly.
+ Will payments from other sources affect the amount of disability benefits paid to me?
Yes, your disability benefit may be reduced if you receive other sources of income you receive due to your disability, such as Worker's Compensation and Social Security.
+ How will I know I'm enrolled in the disability insurance plan of my choice?
There are no ID cards for disability insurance, but you will receive an email confirmation once your enrollment is complete. You will receive a copy of the benefit booklet for your disability plan in the mail; this can also be downloaded from our website for your records. If there is any discrepancy between the summary of benefits on our website and your Guardian benefit booklet, the benefit booklet prevails.
+ Do premium rates remain level or do they increase as I get older?
Rates are grouped in five-year age bands and will change as you move from one age band to the next. Generally, premiums are adjusted on the group policy's anniversary date.
Retirement Plan
+ Is this plan just like a 401(k) plan that I would get through an employer?
It is very similar, with advantages shared by employer 401(k) plans: quick enrollment, streamlined administration, vetted investments, and potentially higher annual contributions. The difference is that it's been designed specifically for self-employed individuals who receive 1099 earnings. One of the biggest differences is that your contributions are not made through a payroll. Instead, you can opt for automatic monthly contributions from your bank account or contribution by check.
+ Doesn't a 401(k) have a company match?
When you adopt the Freelancers Retirement Plan, you are the "employer" establishing and sponsoring this 401(k) plan. So while no one else is going to give you a match, you do have the option to make "employer" contributions – in this case called profit sharing contributions. Depending on your business income for the year, these may greatly increase the total amount you can save this year.
+ Who are you partnering with to offer this plan?
Freelancers Union partners with Milliman, Inc. to provide our members with the Retirement Plan along with online financial planning resources to help you prepare for retirement. Milliman provides retirement services for more than 3,000 retirement plans representing 2 million participants. Milliman makes available the website for account management and convenient participant services. In addition, Charles Schwab Trust Company services as the Trustee of the Freelancers Retirement Plan.
+ Who is eligible for the Freelancers Retirement Plan?
Members of Freelancers Union who actively work independently as self-employed individuals receiving Form 1099 income are eligible.
+ Why is this only for people with 1099 income?
In short, because the government says so. Recent federal regulations have facilitated the use of "stand-alone" profit-sharing plans for self-employed individuals as a way to adopt a 401(k) plan as an alternative to IRAs and SEPs.
+ What if I have both 1099 and other kinds of income?
If you have both 1099 and other kinds of income, you are eligible for the plan. However, only 1099 income may be used to fund your account, up to the individual contribution limit. And yes, this is the kind of thing the IRS monitors.
- Visit www.FreelancersUnion.org.
- Click "Get Started Now" in the Retirement section and fill out the online form.
- You'll be automatically signed up for a target-date retirement model based on your date of birth. If you prefer to choose your own investments, you can make those changes at any time through the plan administration website.
- Download and print the Participation Agreement and ACH Debit forms. You'll need to complete and return these forms (along with a voided check) before you can begin paying into the plan. These forms are an important step in adopting the plan and setting up your online contributions. Send them to:
Milliman, Inc.
c/o FUN Retirement Team
1400 Wewatta Street, Suite 300
Denver, CO 80202
Fax to: (303) 299-9018
Scan and e-mail to: email@example.com
Within 48 hours you will receive a confirmation email from our administrative partner, Milliman. That email will contain a link and login information for the secure website where you can manage your plan. This is where you can:
- Change the amount of your contribution
- Designate your beneficiary (you will need to provide your beneficiary's Social Security number and date of birth)
- Change your investment options
+ Why do you need my Social Security number?
Your Social Security number serves several purposes. It is used as your tax ID number when you adopt the 401(k) plan and submit the p articipation agreement. It's required for tracking your earnings, before-tax contributions and any distributions from the plan for your federal income tax records. Your Social Security number is required to conduct electronic fund transfers from your bank account to your Freelancers Retirement Plan account. It is also used to ensure legitimate, secure access to your plan information when you use the Retirement Plan telephone hotline, Benefits Service Center or access your account through Milliman's retirement website.
+ What customer service is available?
If you have already completed enrollment, Milliman customer service can handle most of your customer service needs. Their number is 866.767.1212. Personal assistance is available Monday through Friday from 8:00 a.m. to 8:00 p.m. Eastern time; the automated telephone hotline is available 24/7. Bilingual support is available.
You can also email Milliman customer services at firstname.lastname@example.com If you need help enrolling on the Freelancers Union site, or if you have a question about the downloadable forms on our site, please contact Freelancers Union Member Services.
+ I never received the confirmation email from Milliman. What do I do?
Call the Benefits Service Center at 866.767.1212 and follow the prompts to speak to a customer service representative.
+ I try to log in to the Milliman website, but I get an error. What's wrong?
Call the Benefits Service Center at 866.767.1212 and follow the prompts to speak to a customer service representative.
+ I've already enrolled. How do I view my plan or make changes?
Once you've received your confirmation email, you can sign in to MillimanBenefits.com. You'll need to enter your Social Security number. If you have already accessed the telephone hotline, enter your PIN when prompted for your password. Otherwise, enter your month and year of birth (MMYY). The first time you log in, you'll be prompted to change your password to a 6-to 12-digit code made of letters and numbers. For example: da4vid. You'll also be asked to enter an answer to a security question to protect your account information.
You can also call Milliman customer services and make the following changes over the phone:
- Account balance information
- Participant contributions
- Investment funds and direction
- Loans / withdrawal requests
- Request forms
- Change your PIN
+ As a freelancer, I often have temporary cash flow needs. Can I withdraw money from this plan in those instances?
There are two ways you can access your plan money: through loans and in-service withdrawals.
To get a loan, you can call the automated telephone hotline or the Benefits Service Center, both at 866.767.1212, or log on to MillimanBenefits.com. Using the loan modeling process, you can explore the loan amount and repayment schedule that you want.
Loans are available according to the following guidelines:
- There is a $1,000 minimum loan amount.
- The maximum loan amount is the lesser of 50% of your account balance or $50,000.
- The maximum loan term is five years (10 years for a primary residence).
- The interest rate will be the prime rate as published in the Wall Street Journal plus 1%.
See the website or call customer service for more details on loan fees, distribution, repayment, defaults, and more.
In-Service Withdrawals
You can take money from the plan for several different reasons. A $35 processing fee is deducted from your distribution when you make an in- service withdrawal.
- Rollover account. You may withdraw money you rolled into this plan at any time.
- Age 59 and 1/2. Once you reach age 59 and 1/2, you may request a withdrawal of your account balance from your before-tax contribution and Roth after-tax accounts for any reason.
- Financial hardship. At any time, you may apply for a financial hardship withdrawal from your before-tax contributions (excludes Roth after-tax contributions). Financial hardship withdrawals are strictly governed by IRS rules and must meet the guidelines for specific cases of immediate and heavy financial need.
+ How do I change my investment elections or contribution amount?
You can change your investment elections by logging on to MillimanBenefits.com, calling the telephone hotline to use the automated system, or calling the Benefits Service Center at 866.767.1212.
+ Who is my beneficiary, and how do I change that?
If you are married, your spouse is automatically your beneficiary. If you wish to designate someone else as your beneficiary, you will need your spouse's approval in writing. If you are single, you may designate anyone as your beneficiary. You can get a beneficiary form by logging on to MillimanBenefits.com, calling the telephone hotline, or calling the Benefits Service Center at 866.767.1212.
You may designate your beneficiary(ies) online unless your spouse's signature is required. You will also need your designated beneficiary's Social Security number and date of birth to complete the form. You can also download the appropriate form from Milliman's website, should you need to obtain your spouse's signature.
+ How do I terminate my account?
Log on to MillimanBenefits.com or call the Benefits Service Center at 866.767.1212 to request the proper forms. The online forms are available under the Communications tab (View Plan Documents).
+ How do I contribute to my plan?
There are two convenient ways to save. When you enroll, you may take advantage of automatic monthly savings or contribute by check during two periods a year - it's your choice. When you elect automatic savings, you will designate a specific dollar amount to be electronically transferred from your bank account and deposited to the plan once a month.
You may contribute by check during two periods a year, in July and from December 15 through March 15 (only profit-sharing contributions can be sent in after December 31 for the prior year). Always attach a contribution payment coupon (available at MillimanBenefits.com only during the appropriate time periods).
+ Can I contribute online / automatically?
You can elect monthly contributions that will automatically be transferred to the plan from your savings or checking account. Contributions will be transferred on the 17th of each month (or following business day if the 17th is a non-business day). You may change your contribution amount at any time, up to 3 business days before the electronic fund transfer occurs.
+ Can I contribute whenever I want?
If you choose to set up monthly, automatic contributions, you may choose to set your contribution amount to $0.00 and change that amount whenever you wish to contribute. Funds will be withdrawn from your account just one day a month: the 17th or next business day (if the 17th is a non-business day). Alternatively, you may choose to contribute by check two times a year, in July and from December 15 through March 15.
+ My income is extremely uneven-how can I save with a monthly debit?
You may need to adjust your contribution each month based on your expected income and comfort level. If it's necessary to change your contribution amount, be sure to adjust your contribution election at least three business days before the electronic fund transfer is scheduled to occur that month. Then, if you have additional income and are comfortable contributing a higher amount, you can make additional contributions to the plan using checks. You may contribute by check two times a year, in July and from December 15 through March 15 (only Profit Sharing contributions can be sent in after December 31 for the prior year). Always attach a contribution payment coupon (available at MillimanBenefits.com).
+ How much can I contribute to my plan?
You can save from 1% to 100% of your 1099 eligible income through your 401(k) before-tax contributions, Roth after-tax contributions or a combination of both, subject to the IRS annual limit. In 2009, the IRS annual contribution limit is $16,500. If you will be age 50 or older this year, you can save up to $22,000. In addition, you may be able to make a profit sharing contribution to the Freelancers Retirement Plan each year, subject to IRS limits.
+ What is a profit sharing contribution?
If you are self-employed or a sole proprietor, you may be able to make profit sharing contributions to the Retirement Plan-in addition to your 401(k) before-tax and Roth after-tax contributions. The regulations governing the eligibility of profit sharing contributions are complex and you should obtain assistance from a tax specialist before making any profit sharing contributions.
You will find a special profit sharing contribution calculator to help you determine your eligibility to make profit sharing contributions to the Retirement Plan and the maximum allowable amount of those additional contributions.
+ How do rollover contributions work?
When you enroll in the new plan, you can elect to roll over any existing qualified retirement plan assets (403(b), 401(k), 457 plans, IRAs, etc.) into the Retirement Plan. By doing so, you combine your retirement savings in one place and your account can continue to grow tax- deferred. When you elect a rollover, you decide how your rollover account balance will be invested in the new plan's investment options. The rollover form is available at MillimanBenefits.com under the Contribution tab.
+ 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?
The difference between these two contribution types is when your money is taxed: now or later. You postpone income taxes on all pre-tax money in your account, along with any investment earnings on your account-until you get a payout from the plan.
If you choose to make Roth after-tax contributions, investment earnings on your Roth after-tax contributions can be distributed tax-free after age 59½, or if you die or become disabled, as long as your first Roth after-tax contributions have been in your account for at least five years.
The first $16,500 that you save ($22,000 if you are age 50 or older) for 2009 may be before-tax, Roth after-tax or a combination of the two. Once a contribution has been made, you may not change the way that it was contributed. For future contributions, you may switch between the contribution types.
+ What are some of the Retirement Plan's tax advantages?
The federal government (and most states) doesn't tax your 401(k) before-tax and profit sharing contributions to the plan because that money comes "off the top" of your total earnings. Here's an example of how it works.
Suppose you earn $30,000 a year-or $7,500 per calendar quarter-and set aside $300 a month in 401(k) before-tax contributions into the plan, or $900 each calendar quarter. Your savings are deposited into your Retirement Plan account before income taxes are calculated, so the amount of taxable wages you would enter on your Form 941 Quarterly Federal Tax Return isn't $7,500 any more-it's $6,600. You put this lower amount on your tax return... so when you get to the bottom line, you pay less in taxes.
All the money in your account-your savings and any investment earnings-is tax-deferred as long as it stays in the plan. This means you postpone paying income taxes on this money until it's paid out.
If you make Roth contributions, the tax advantages are different. Instead of subtracting the amount you contribute now from your taxable income, you can receive your withdrawals when you retire without paying as much in taxes. Investment earnings on your Roth after-tax contributions can be distributed tax-free after age 59½, or if you die or become disabled, as long as your first Roth after-tax contributions have been in your account for at least five years.
+ How will distributions from my plan accounts be treated for tax purposes?
|If you...
|Before-Tax Account
|Roth After-Tax Account
|Your contributions and all earnings
|Your after-tax contributions
|Earnings on your Roth after-tax contributions
|Withdraw money before age 59 1/2
|Pay taxes plus 10% penalty on entire withdrawal amount
|Pay no taxes
|Pay taxes plus 10% penalty
|Withdraw money after age 59 1/2
|Pay taxes but no penalty on entire withdrawal amount
|Pay no taxes
|If Roth is at least 5 years old, pay no taxes
|Terminate the plan
- Roll over to another employer-sponsored retirement plan or to an IRA and continue deferring taxes
- Take a lump sum and pay taxes and any applicable penalties
- Roll over only to a Roth IRA or another qualified plan that has Roth after-tax accounts
- Take a lump sum and pay taxes and any applicable penalties
|Reach retirement age and are no longer working
|You may roll over to an IRA, receive a lump sum payment, installment payments or defer payment until a later date
- You may roll over to a Roth IRA, receive a lump sum payment, installment payments or defer payment until a later date
- If you roll over to a Roth IRA, your money can continue to grow tax-free until your death
In certain cases, earnings on your Roth after-tax contributions may be subject to taxes even if you meet the qualified rules (e.g., if you receive money from your Roth after-tax account as part of a hardship withdrawal). Please consult with a tax advisor for more details.
Please Note: There are some exceptions to these distribution rules, e.g., in the event of disability, a Qualified Domestic Relations Order (QDRO), etc.
+ How can I maximize my tax savings?
The more you contribute to the plan, the more you save on taxes-it's that simple. Both the MillimanBenefits.com and Freelancersunion.org websites offer modeling tools and an online calculator to help you determine the savings and investment approach to meet your personal needs.
+ Is this plan insured against loss?
Generally, assets in a qualified retirement savings plan are held "in trust" and cannot be used for anything, or by anyone, other than the plan and its participants. Charles Schwab Trust Company is the trustee and is a financially strong and reputable institution.
The assets of the trust-your contributions and earnings-are usually invested in mutual funds, which carry Securities Investor Protection Corporation (SIPC) insurance. SIPC insurance protects your cash and securities from fraud and other illegal acts of the brokerage or securities firm for up to $500,000 in account balance, including a $100,000 limit for cash. It is important to understand that SIPC insurance does not protect against losses caused by a decline in the market value of your securities.
+ Who can help me choose my investment elections?
We cannot advise you if you wish to customize your default target retirement model; you will need to obtain advice from an independent financial advisor.
+ Why was I defaulted into a particular investment profile?
Target Retirement Models are designed to take the confusion out of investing. They provide diversified investment mixes that are considered by many investment advisers to be appropriate for different target retirement dates. Target Retirement Models are customized portfolios composed of the underlying investment fund options in the plan. The models will change investments over time, becoming more conservative as you get closer to your retirement date.
Of course, you have the option to create a custom portfolio by investing in the plan's other investment funds, including two socially responsible stock funds, or changing the distribution of the plans in your current defaulted model.
For further information about this default fund, be sure to read the Default Investment Model Notice (PDF).
Target Retirement Models provide diversified investment mixes that are appropriate for different target retirement dates. If you prefer a simple approach to investing, all you need to do is select the Target Retirement Model year closest to your expected retirement year. For example, if you expect to retire in 2032, you could invest 100% of your account in the Target Retirement 2030 model. Target Retirement Models will be customized portfolios composed of the underlying investment fund options in the plan. The models will change investments over time, becoming more conservative as you get closer to your retirement date.
+ What funds make up my Retirement Plan investment options?
The plan offers a variety of investment funds, monitored by independent investment professionals, with risk/return objectives ranging from conservative to aggressive – including two socially responsible funds invested in the stocks of companies following a socially responsible business model. You can invest percentages of your account across any combination of the plan's investment options. The plan offers two approaches to investing. See the funds currently available here.
+ Do you have options for socially responsible or "green" investing?
Yes, the plan offers two Socially Responsible investment fund options: the PIMCO Total Return III Institutional Fund and the New Alternatives Fund. More investment fund information is available at MillimanBenefits.com.
+ Who monitors my investments?
The plan's investment fund options are monitored by an advisory committee that meets periodically to make decisions regarding the operation of the plan as well as the available investment options. This committee is responsible for determining whether the funds continue to meet defined objectives and are appropriate as ongoing investments for plan participants.
+ The stock market doesn't seem safe right now. Can I invest in something else?
You decide how to invest your contributions and account balance among the plan's available investment fund options, including the Target Retirement Models. The first step you may want to consider is to log on to MillimanBenefits.com and complete the Investor Profile Quiz to help determine your risk/return tolerance.
Here are a few investing tips suggested by many investment advisers to consider:
- Develop a retirement savings strategy for the long term.
- Long-term investing means staying in the market during down cycles.
- Remain confident in your financial game plan.
- Over the long haul, asset allocation (diversification), not market timing, is the key to success.
- Consider auto-rebalancing your account at least once a year.
+ Do you offer a brokerage window?
Not at this time, but it's an investment option that may be offered in the future.
+ What related administrative fees and expenses are associated with the Retirement Plan ?
There is a one-time $40 application fee to create your account and an $11 monthly administration fee. Charles Schwab Trust Company will charge an annual trustee fee of 3 basis points (taken monthly), and the individual funds also charge a management fee ("expense ratio"). These range from less than a half of a percent to 1.6%, and a very small percentage of that percentage is set aside as an allowance to Freelancers Union to help pay other plan expenses.
The services these fees provide for our members include:
- Educational and enrollment seminars
- Legal and IRS compliance testing, keeping plan current with tax law changes, etc.
- Website, telephone hotline, Benefit Service Center
- Communications
- Daily update of accounts
- Monthly transfers/deposits and investments of contributions
Other related fees for administration include:
- $50 loan initiation fee/$48 annual maintenance fee
- $35 check/1099-R fee
- $700 for Qualified Domestic Relations Order processing
*Each mutual fund charges fees that will vary depending on the investments chosen
Political Action Committee (PAC)
+ Are refunds available for contributions?
Making refunds usually necessitates re-filing legally required contribution reports. Due to this administrative burden, full refunds for PAC contributions will not be given; however, if you have made an unintended over-payment, we will always consider your requests for a partial refund. To report such an error, please contact Member Services.


text:
|Date & Location
|Thursday, April 24, 2014 at 8:00 PM
Arvest Bank Theatre at The Midland (formerly The Midland By AMC)
|View Tickets
|Saturday, April 26, 2014 at [time TBA]
Orpheum Theatre - Madison
|View Tickets
|Monday, April 28, 2014 at [time TBA]
Royal Oak Music Theatre
|View Tickets
|Tuesday, April 29, 2014 at [time TBA]
|View Tickets
|Wednesday, April 30, 2014 at 8:30 PM
Mercury Ballroom
|View Tickets
|Friday, May 2, 2014 at [time TBA]
Baltimore Soundstage
|View Tickets
|Saturday, May 3, 2014 at 9:00 PM
Howard Theatre - DC
|View Tickets
|Sunday, May 4, 2014 at 8:30 PM
Highline Ballroom
|View Tickets
|Tuesday, May 6, 2014 at [time TBA]
Webster Theater
|View Tickets
|Thursday, May 8, 2014 at [time TBA]
The Emporium
|View Tickets
|Sevendust Madison - Orpheum Theatre - Madison
Sevendust Council Bluffs - Stir Cove At Harrahs
Sevendust Kansas City - Arvest Bank Theatre At The Midland
Sevendust Royal Oak - Royal Oak Music Theatre
Sevendust Boston - Paradise Rock Club
Sevendust Philadelphia - Electric Factory
Sevendust Louisville - Mercury Ballroom
Sevendust Fort Wayne - Pieres
Sevendust East Saint Louis - Pop's
Sevendust Columbus - Lifestyles Communities Pavilion
Sevendust Concert Tickets
Are you ready to see some authentic rock? You don't want to miss seeing a Sevendust concert in person. And we have the Sevendust tickets that give you access to one of the hottest acts on the alternative music scene. You can't beat live music, especially if the performer is Sevendust! You can buy Sevendust concert tickets from Ticket Liquidator for all the biggest Sevendust tour dates on the calendar. So what are you waiting for? Sevendust is coming to your town and Sevendust tickets are available now!
|Pink Tickets
The Eagles Tickets
John Mayer Tickets
Phillip Phillips Tickets
Bruno Mars Tickets
Taylor Swift Tickets
Country Megaticket Tickets
Maroon 5 Tickets
Ellie Goulding Tickets
Fleetwood Mac Tickets
Kelly Clarkson Tickets
Luke Bryan Tickets
Florida Georgia Line Tickets
Thompson Square Tickets
Pitbull Tickets
Dave Matthews Band Tickets
Kenny Chesney Tickets
Kacey Musgraves Tickets
Miranda Lambert Tickets
Eli Young Band Tickets
|Justin Bieber Tickets
Bon Jovi Tickets
Jason Aldean Tickets
Phish Tickets
Bob Seger Tickets
Little Big Town Tickets
Rihanna Tickets
Mumford And Sons Tickets
Dustin Lynch Tickets
Keith Urban Tickets
T.I. Tickets
Depeche Mode Tickets
Matchbox Twenty Tickets
Jimmy Buffett Tickets
Romeo Santos Tickets
Eric Church Tickets
Rascal Flatts Tickets
Brantley Gilbert Tickets
Tim McGraw Tickets
Love And Theft Tickets

subset: commoncrawl


text: In this 2-Minute State DOT Update Video, Utah Department of Transportation Executive Director Carlos Braceras outlines his vision for UDOT--an agency with more than 16-hundred employees, responsible for 6,000 miles of roadway. "At UDOT, we are moving toward a vision of integrated transportation – roads that include appropriate connections to transit as well as ample accommodations for bicyclists and pedestrians," said Braceras. "UDOT has made it a priority to listen to our constituents and address their priorities."


text:
Fairy Island
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Get The Treasure - Part I
by rexstjohn
Evil pirates have stolen your treasure - shoot your way through 20 levels to get it back in this easy-to-learn physics-based web game. * 20 total levels * Unlockable pirate outfits and pirate ship upgrades * Upgrade your cannon with multiple powers * In-Game level editor included - Build and share your own levels
Report an Issue
Get The Treasure - Part I
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text:
Track using Order ID
Login and do more!
- Track individual Orders
- View your entire Order history
- Cancel individual Orders
- Conveniently review products and sellers
Add Another Item
Add Another Item
Add Another Item
Add Another Item
Procedure to Register the Product
Step 1: Please go to http://www.india.philips.com/
Step 2: Click on Support.
Step 3: Click on Register your product.
Step 4: Click on Create Account.
Step 5: Please enter the necessary details and click on Create Account Stab.
Step 6: Customer will receive an e-mail from Philips and will get a below mentioned pop up.
Step 7: Customer needs to check his/her mail box and have to click on verify and activate stab.
Step 8: Now customer need to login to My Philips via same e-mail id and password.
Step 9: Customer need to click on Register Product.
Step 10: Customer will find two options to key in the Model Number.
Step 11: Key in the model no. Click on Find now & select the particular model from the list.
Step 12: Customer to key in the product details i.e. Date of purchase, Serial number & click on Register stab.
Step 13: Confirm the customer that the product has been registered with Philips, suggest the customer to note the warranty information.
Step 14: Now customer need to check the e-mail inbox as customer will get a confirmation e-mail.
Q. What is the service type ?
A. Carry In
Q. What is the type of Warranty ?
A. No Damage warranty, Manufacturer's Warranty
Q. What is covered in Warranty ?
A. Parts and Labor
|3 months
|6 months
|9 months
|12 months
|Rs. 1600
|Rs. 813
|Rs. 551
|Rs. 420
|Rs. 1597
|Rs. 811
|Rs. 555
|Rs. 1593
|Rs. 808
|Rs. 546
|Rs. 415
|Rs. 818
|Rs. 424
This table shows different banks and the respective EMI options based on the product price. This is for indicative purposes only, your EMI payments may differ with total order amount and additional bank charges, if any.
What is the estimated delivery time?
Sellers generally procure and ship the items within the time specified on the product page. Business days exclude public holidays and Sundays.
Estimated delivery time depends on the following factors:
Why does the delivery date not correspond to the delivery timeline of X-Y business days?
Why does the delivery date not correspond to the delivery timeline of X-Y business days?
It is possible that the Seller or our courier partners observe a holiday between the day you placed your order and the date of delivery, which is based on the timelines shown on the product page. In this case, we add a day to the estimated date. Some courier partners and Sellers do not work on Sundays and this is factored in to the delivery dates.
What do the different tags like "In Stock", "Available" mean?
What do the different tags like "In Stock", "Available" mean?
'In Stock'
For items listed as "In Stock", Sellers will mention the delivery time based on your location pincode (usually 2-3 business days, 4-5 business days or 4-6 business days in areas where standard courier service is available). For other areas, orders will be sent by Registered Post through the Indian Postal Service which may take 1-2 weeks depending on the location.
The Seller might not have the item in stock but can procure it when an order is placed. The delivery time will depend on the estimated procurement time and the estimated shipping time to your location.
'Preorder' or 'Forthcoming'
Such items are expected to be released soon and can be pre-booked for you. The item will be shipped to you on the day of it's official release launch and will reach you in 2 to 6 business days. The Preorder duration varies from item to item. Once known, release time and date is mentioned. (Eg. 5th May, August 3rd week)
'Out of Stock'
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ComfortThe precision cutting system of the Philips HQ7320 shaver has ultra-thin heads with slots to shave the long hair and holes to shave the shortest beard. The spring-released, full width pop-up trimmer helps you to efficiently trim your moustache and sideburns for the perfect look.
The maintenance of this Philips 7000 series waterproof shaver is very convenient as you can simply wash it under the tap using plain water. Water may leak from the socket at the bottom of the shaver when you rinse it. This is normal and not dangerous. The trimmer should be cleaned in dry conditions and it is recommended to use any lubricating oil once in six months for longer life of the trimmer.
BodyThe body of this Philips shaver has a lacquer finish and is specially made to fit in your hands comfortably. The side ribs of this 7000 series Philips shaver has an ergonomic grip that helps in comfortable and close cut. The Philips HQ7320 shaver comes with a cleaning brush that helps you to easily dust the hair off the shaving head. The protection cap of this Philips shaver prevents your shaving head from damages.
FeaturesThe Philips HQ7320 shaver features a super lift and cut technology with dual blade that lifts the hair to cut comfortably below the skin level. The reflex action system on this Philips shaver adjusts to all the curves and contours of your face and neck.
The charge indicator and the battery-full indicator of this HQ7320 shaver will notify you when the charge is in progress and when the battery is fully charged. The charge indicator light will glow when the charging starts and the battery-full indicator starts flashing when the battery is full.
The Philips HQ7320 runs on Lithium-ion (Li-ion) battery and gives you 30 minutes of powerful cordless shave after charging for 8 hours with a corded adapter. Once the battery is charged and the shaver is switched on, the power-on light glows to indicate that the motor is running. The range of voltage required to charge this battery is 100 - 240 V.
|In The Box
|Sales Package
|Protection Cap, Adapter, Manual, Main Unit, Cleaning Brush
|Model Number
|Black and Silver
|Model Name
|3 Headed
|Ideal For
|Body & Design Features
|Corded & Cordless
|Blade Type
|Dual Blade
|Trimmer type
|Pop-up Trimmer
|Head Type
|Individual Floating Heads
|Power Requirements
|Power Source
|Power Required (Volts)
|Universal Voltage
|Battery Type
|Recharge Time
|480 min
|Use Time
|30 min
|Convenience Features
|Charging Indicator
|Additional Features
|Cleaning and Care
|Cleaning Brush, Protection Cap
|2 Years Philips India Warranty and Free Transit Insurance and Additional 1 Year Extended Warranty Through Online Registration. Philips India Warranty and Free Transit Insurance.
This shaver works perfectly! It takes a week or so for your skin to get used to it, especially if you've been wet-shaving regularly. I only wish I could find some pre-electric lotion to go with it. Otherwise, 5/5. Perfect.
Switched to Electric after years of using the old-fashioned Platinum blade. This seems to be the most high-end shaver available in the markets here (online/store).
After three weeks of use, I am quite satisfied with the HQ7320. It is comfortable and fast. The trimmer is very useful for longer body-hair too. Being able to wash it directly is convenient.
Not exactly a pocket-shaver, it is somewhat fat and heavy, but should be a handy travel companion.
Getting a very fine shave takes an amazingly short time, although a perfect shave could take longer. The three heads are quite flexible, but there is the occasional curve under the chin that needs multiple tries. (Let me mention that I am not a sucker for a super-close shave -- I usually prefer a 5 o'clock shadow.)
Charging is slow, but I don't need to do that too often.
My only concern is whether the sharpness would decrease after some months of usage. (The book recommends changing the blades after 2 years -- are they easily available?)
Perhaps a tad expensive compared to the HQ6970, which seems different only in being not water-proof.
Overall still a good buy. Recommended.
Flipkart's shipping was prompt and the packing good. Buying online means that the guarantee card is not filled up (as it's inside the box), and the bill doesn't bear a traditional stamp. I hope that wouldn't cause a problem with warranty.
My work does not allow me to keep stubble. I had a skin tag issue because of daily razor wrath over a period of 14 years and doctor had to use laser to remove those tags surgically. My doctor asked me to stop using razor and move to electric shaver. After couple of days of netsurfing for comparisons and user's reviews, I zeroed down on HQ7320. It is just brilliant from day one. It's my 6th day of usage today and I am finding it very comfortable (though the manual says that it takes around 3 weeks for skin to get adjusted to it). You can wash its head under running water. This really helps to clean the facial oil residue from the shaving heads foil and the blades which otherwise does not get cleaned with dry brush provided with other shavers. Now the other part. I did not understand the difference between HQ7320/16 and HQ7320/17. There is no clarity on it anywhere on their site. Then the manual says to charge the shaver for 16 hours minimum before the 'first' usage. Mine came packed and absolutely sealed but the light was already blinking (full charge sign) when I plugged it in. I got confused and still charged it for 16 hours. Hope there was no damage to the battery. Anyways presently I am using it to my full satisfaction and I strongly recommend this shaver. There are no rashes, its fast, easy to handle and clean. And of course very stylish. Overall an excellent value for money. And I should not forget flipkart who delivered the product in 2 days time…
just used it on my 8 day old beard and it worked magic. smooth clean and without any hassles. perfect shave. add to it the convenience of buying it from home with no salesman pestering or confusing you.
using flipkart has changed a lot in terms of what shopping experience has nor become.... an absolute pleasure.
As far as the delivery processing of flipkart is concerned, it is beyond words. I received the shipment in just 3 days time. Kudos flipkart..
For the first look on the shaver, I really thought that it had a plastic feel..although the shine was pretty good...
For such long time, I was using Mach3 Turbo..the itches it used to use on the skin and the it wouldn't use to give a clean shave. But man, this philips shaver gives you a clean look..a precise one...trimmer works fine too..
The only thing i disliked about is the charging time...man it is 8 hrs...but that has been the trend for the shavers..philips 3d shaver gives you 1 hr charging time but it costs you 10k bucks...
If you are confused on the shaver and if this shaver fits in your budget, I would recommend you this one..as it is a shaver and a trimmer...
good product, works great, shaving trimming,
extra price is worth it if compared to Phillips products cheaper than this.<...
I bought it for two purposes:
1) To save time spent waiting for my turn in the barber shop
2) Developed a rash duri...
As far as the delivery processing of flipkart is concerned, it is beyond words. I received the shipment in just 3 days time. Ku...Read More
I bought this item as a gift for my father.He seems to like it very much.Works very smoothly and nicely.The device performs smo...Read More


text:
Krystian Krysys
Mordecai W/ Judas (Dennis) as The Sons of The Holy Divinty IWA Tag Team Champions
The Soul Caliber
Knight Wing
What Arsenal fans think about RVP moving to UTD:
Originally Posted by akbar
There is a difference between playing shit and being shit. You said I think RVP is shit, where I'm saying he'll play shit... His ability will still be there but it just won't have a bug effect on UTD.
Oh akbar....
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Denise Panaligan, a UCLA sophomore, didn't tell her mother where she was headed Wednesday morning. She knew that if she told the truth, her mother would worry.
Panaligan, in blue jeans and white T-shirt, boarded a bus and traveled to Pershing Square in downtown Los Angeles, where she met up with her friend Anthony Ng. They were the only two Asian Americans at an immigration reform rally conducted in English and Spanish.
Panaligan, 19, confessed to me that she was nervous.
- Bio | E-mail | Recent columns
Because she had never stood up in public and admitted that she and her family had moved here a decade ago from the Philippines without papers. Like many of her peers who came to the United States as children, Panaligan had no idea she was undocumented until she was ready to apply for college and needed a Social Security number.
But on Wednesday, when the master of ceremonies called her name, Panaligan pushed back her fear and stepped to the microphone.
"It breaks my heart," she said of her parents' sense of "shame and guilt" over the family's illegal status. "They would apologize to me every day for the experiences I go through, being undocumented, when I should be thanking them for having the courage to leave everything behind for that American dream."
When the topic is illegal immigration, the focus is usually on Latinos. But more than 1 million of the nation's undocumented immigrants are Asian and Pacific Islanders, with an estimated 416,000 of them in California.
The older generation of undocumented Asians tends to stay silent. But Panaligan and other younger members of that group — who have benefited from the temporary protection President Obama extended last year to qualified young people under the Dream Act — think this may be a good time to seize on an opportunity.
They note that 73% of the Asian Americans who went to the polls in November cast votes for Obama, with immigration reform cited as a huge factor. They have seen Republican leaders reconsider the party's hard line on immigration. And they have seen national polls indicating majority support among U.S. citizens for a pathway to citizenship.
That's why Panaligan and others of her generation have decided to give up family secrets — not in defiance of their parents, but in a spirit of advocacy for them. And they are taking to the streets with Latinos, whose narratives parallel their own.
"What is happening with the immigrant rights movement is reminiscent of the civil rights movement, and undocumented youths are in many ways leading it," said Betty Hung, policy director at the Asian Pacific American Legal Center.
When she was done speaking Wednesday, Panaligan got a round of applause and a hug from a young Latina with a story nearly identical to hers, except for one thing. Panaligan's family is from the Philippines, and her new friend's family is from Peru.
Kevin Lee, 22, moved with his family from South Korea to Riverside when he was 9. He soon discovered that his parents had some weird rules about life in America.
"When I'd go outside with friends, I didn't feel different at all. But when my mom and dad would leave for work they'd always tell me to lock the doors, and whenever anybody knocks at the front door, you have to look out the back door to see if there's law enforcement."
That was his first clue that something was off.
"I used to have an outgoing personality back in South Korea, but these experiences made me very shy."
He was about 16 when he discovered what was going on. Other kids were applying for driver's permits, but when he asked his parents about getting a license himself, which required proof of citizenship, they finally told him what was up. He later learned they had hired an immigration lawyer for a lot of money to help, but that he accomplished nothing.
"Never speak about your status," his mother warned.


text:
The yen bears are out in force these days, thanks to the new prime minister's calls for aggressive monetary stimulus. Some of the bears have been prowling for a while.
Jens Nordvig, global head of FX strategy at Nomura Securities, has been bearish on the yen since before Shinzo Abe was elected. But now that Abe is in office, and his calls for stimulus are having more of an effect on the yen than hundreds of billions of dollars of bank intervention, Nordvig is turning more negative.
"Recent political developments imply that yen weakness will be more front-loaded than we had assumed 2-3 months ago," he wrote in a note to clients.
Nordvig now expects the dollar to reach 90 yen, up from his earlier forecast of 85, by the second quarter of 2013. That's because he anticipates that the Bank of Japan will adopt a higher inflation target of 2 percent, and also cut its forecast for inflation and the economy, at its January meeting. Those steps will necessitate more aggressive stimulus action if Japan is to approach a higher inflation target. It could take some doing, Nordvig says: Japan has not seen 2 percent inflation since 1992.
One reason the Bank of Japan will feel so much pressure to act, Nordvig says, is because Abe "has a strong incentive to achieve his policy pledges as quickly as possible before the upper house election," which Nordvig says could come as soon as July.
Accommodative fiscal policy is also likely, Nordvig said. "Even the fiscally hawkish Ministry of Finance may support the loose fiscal policy for now, to achieve the consumption tax hike scheduled in April 2014."
And then there are the Japanese investors. Nordvig thinks their behavior could change if the easing and other stimulus moves have the desired effect: "As the economy regains momentum, thanks to bolder policy actions, Japanese investors are expected to take more FX risks in 2013, sending USDJPY higher."
Tune In: CNBC's "Money in Motion Currency Trading" airs on Fridays at 5:30pm and repeats on Saturdays at 7pm.
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A US man has become the first person to conceive a child with a totally reconstructed penis.
A US woman is suing a Manhattan company to the sum of $US15 million ($16.1m) over a seriously bad hair day.
Kyle Sandilands says he was "a little bit pissed " after he and radio co-star Jackie O were snubbed by the royals at a Sydney dinner last week.


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Louisville Slugger Pro Flare Black Series 13" Baseball Glove
The Pro Flare Series is Louisville Slugger's premium line of fielding gloves. The Pro Flare Series is made with top grade, oil-infused Horween leather that combines unmatched durability and an ultra-quick break-in period. The Flare design is preferred by top pro/collegiate players and it provides a larger catching surface with a flat, deep pocket. The Flare Series utilizes extra-wide lacing for added strength.
13" Outfield Pattern.
Pro Laced Web.
Conventional open back.
Specify left or right throw.
Reviewed by 1 customer
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Comments about Louisville Slugger Louisville Pro Flare Series 13" Baseball Glove:
I use it for college ball. Works great.
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Black and white photo magic
Terry Lane There are photographers around who still think the black and white image is the real deal while the colour picture is eye candy.
Brushing up those old memories
Terry Lane The postie brought us an unexpected surprise last week. Three photos which were Kodacolor prints from 1965, but as sweet as these photos might be, they were not in good condition.


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Welcome to THE MANNING BAR online ticket sales
To instantly order your tickets to upcoming events at THE MANNING BAR , click on the picture of the event below.
Tickets can also be purchased at a choice of conveniently located oztix Retail Outlets around Australia. To find your nearest store just, CLICK HERE
R.E.G.E.N presents
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Manning Bar
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02 May 2014
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06 June 2014
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08 June 2014
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19 June 2014
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I agree. Most likely the common wire, which I believe is the white one.Originally Posted by investor27
Most likely places to check for this loose wire are the ends--control box and first zone valve.
We just purchased our home 4 months ago, and recently I noticed some days the sprinklers will come on, and other days it will not. Not even manually. The rainbird has 8 zones, and is set to watering 7 days a week. We have a raingauge which I had disabled to make sure it was running properly. I called a rainbird expert, and he thinks I needed a new box. The box wasn't displaying any error messages, and he wanted too much money for it. I ordered one myself on the internet, but when it got here, the sprinklers started working again for about 2 consecutive weeks. When it did not turn on yesterday, I wired in the new box, and it still didn't work. Wired back the old box, and tried manually to turn it on. Didn't work. Later on that day, tried manually and it worked this time, and all 8 zones. This morning, didn't work.
I'm thinking it is a loose wire somewhere between the box and the first zone. I checked the outside of the house, but the wires are fully covered by tubes running into the ground. Has anyone experienced this sort of thing before? Any remedy? Sorry about the long post. And thank you in advance for your advice to help me fix this.
I agree. Most likely the common wire, which I believe is the white one.Originally Posted by investor27
Most likely places to check for this loose wire are the ends--control box and first zone valve.
Verdeboy. Thank you for replying to my call for help so quickly.
I don't see a white wire, but I do see a wire that half-white one, which splits into two. I believe it runs the other half runs to the raingauge. As for the first valve. Are you talking about the green boxes in the ground near the controller? My controller is in the garage, and the opposite of the wall, on the outside, are where the green boxes are. I had looked inside the first green box that is underground, and all I see is a black plastic tube sticking half-way out of the ground, inside the green box. On one side of the black tube, there is a small plastic lever that said turn "this way" to turn it on. But I don't see any room at all for the lever to turn left or right. How do I go about trying to find the wires connected to this black plastic tube? I digged around it, and didn't see any wires, so I hope I am discribing the correct valve location. Thanks.
Each valve has two wires connected to it. One is the common or ground wire comes from the common or ground lug on the controller, and is daisy chained from valve to valve. It is usually a white wire, but a DIYer may have used some other color or colors. The hot wire comes from the individual posts on the controller and each valve has it's own wire. I don't know what you have found in the box you looked in, but it doesn't sound like a valve box to me.
Here's what the valves should look like:
Check all the valves for loose wires. You may have to remove the wire nuts, since it probably won't be obvious.
I think the valve with the lever is just a ball valve that is in the "on" position. This ball valve probably lets you shut off water to the irrigation system.
It definitely does not look like that. Are the valves supposed to be in these green boxes underground with circular lids on them? If not, where are they usually located? I have eight zones, and on one side of the house I can see 6 circular lids lined up. The other two are in the back and the other side of the house. I'll try to take a picture of them and post it here tomorrow on my off day. Thank you again for your help, guys.
The pictured valve was a Rainbird valve. Note the two wires at the top. You may have another brand of valve. If there aren't two or more valves in a box, then you may have trouble easily seeing which wire is the common.


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Chelsea will be a running girls-only Soccer School this month to aspiring female footballers of all abilities.
The two-day course will run on Thursday 21 February and Friday 22 February and is based on the club's hugely successful Soccer School programmes.
Incorporating skills practice, game understanding, fun challenges and small-sided games, the course is designed for female footballers by coaches from Chelsea's Girls' Centre of Excellence.
The course has already proved popular so book your place now for your chance to take part. The course is suitable for all female footballers aged between five and 13 years old.
Click here to book your place now. The course will be taking place at the Walton Xcel Leisure Complex in Elmbridge.


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Another winter storm is on the way and it could make for very messy travel on Friday morning.
Snow is expected to start falling after 3 a.m. Thursday in Upper Macungie and surrounding areas, according to the National Weather Service.
Snow will be followed by a mix of sleet. freezing rain and rain changing to all rain after 9 a.m. Friday.
The precipitation could change back to snow Friday night.
Then the storm will clear out leaving sunny skies and a high of 33 degrees on Saturday.
WFMZ also says we can expect a wintry mix Thursday night and Friday with some snow accumulation possible.


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