Alliance members access a comprehensive extended health benefits plan at low group rates. Are you covered?
This is true group insurance, which means that all of the usual benefits offered through an employer, if you were an employee, are offered through the Alliance for cultural groups of all sizes, specializing in smaller organizations and the self-employed.
The plan is well-suited to fit the needs of companies of all sizes in the cultural industries. Sole proprietors and small companies, who often find it difficult to obtain quality coverage on their own, will find the plan especially beneficial.
Our plan with ZLC Financial offers excellent coverage for all products with no medical evidence requirement.
- Extended Health
- Life Insurance
- Accidental Death & Dismemberment
- Long Term Disability
- Optional Critical Illness
How does it work?
Organizations pay partial to full amounts of their employee costs, and self-employed artists pay premiums themselves. There is some tax relief for the self-employed who purchase their own extended medical benefits.
The rate schedule is based on your family status and your annual income. The health and dental plans are designed to extend to cover spouses and dependent children.
Example: An individual making $30,000 per year can expect to pay approximately:
- $180 per month (single coverage)
- $300 per month (couple coverage - one dependent, spouse or child)
- $445 per month (family coverage - two or more dependents)
Please note: Higher incomes will result in higher Long Term Disability premiums as the benefit amounts payable will also increase to cover 60% of net earned income. Our insurance representative Donna Peerless would be delighted to provide you with a quote upon request.