Supplemental Benefits

Now available for freelancers in all 50 States

Supplemental Benefits for Freelancers and 1099 Contractors

Supplemental benefits offer additional lines of coverages to protect your income, families, and lifestyle. Whether you experience an accident, a critical illness, or hospitalization your out-of-pocket costs are minimized with supplemental insurance.

We’re helping freelancers have greater financial security so their career can thrive

For too long, your best bet to have great insurance coverage was to get a full-time job. We believe that freelancers and contractors deserve better, and are partnering with the best providers to give self employed individuals and their families across the United States the best coverage possible.

ACCIDENTAL

Accidents can happen at any time. You could suffer an accidental injury while you are working around the house or walking into work. Or your child may get injured at basketball practice. When an accident happens, it can be costly. Even with major medical insurance, there may be out-of-pocket expenses that you’ll have to pay. In the event of an unexpected injury, accidental insurance coverage can help protect your personal finances.

Through a partnership with Aflac, CareerGig offers supplemental accident insurance that will provide much-needed cash flow in the event of an accident. Funds can be used to pay out-of-pocket medical expenses, household bills, or to give caregivers flexibility to take unpaid leave.

You and your family can access affordable insurance that helps with expenses that may not be covered by major medical insurance. Cash benefits will be paid directly to you (unless you specify otherwise), so you can use the cash for anything you want. Which means uncovered medical expenses won’t break the bank if you are injured. You have the peace of mind knowing you can spend more time recovering and less time worrying about bills.

CRITICAL ILLNESS

If you’re diagnosed with a covered critical illness, specified critical illness insurance can help with your expenses so you can concentrate on what’s most important – your treatment, care and recovery. This provides an important financial safety net when you or a family member, goes through a very serious health situation. Critical illness situations include: cancer, heart attacks, strokes, end-stage renal failure or other major organ failure, permanent paralysis due to a covered accident, coma, blindness, and occupational infectious HIV or occupational infectious hepatitis B, C or D***.

HOSPITAL INDEMNITY INSURANCE

When you or a loved one is hospitalized in case of an accident, illness, or maternity, this additional coverage will help with out-of-pocket costs if you have a high deductible health plan. CareerGig has partnered with Aflac to offer the best selection of hospital-related benefits to help with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans.

  • It’s customizable. You choose the plan that’s right for you based on your specific needs.
  • Guaranteed-issue options available—that means there is no medical questionnaire required.**
  • Cash paid directly to you (unless you tell us otherwise)—not the doctor or hospital.
  • Payment of claims is subject to all policy limitations and exclusions and pre-existing condition limitations.

Get Started

CareerGig Benefits are only available to freelancer subscribers. Sign up for free today.

CareerGig Benefits

Eligibility & Contributions

Learn how benefits eligibility and contributions work

Still have questions? Read our Frequently Asked Questions (FAQs)

 **EXCLUSIONS AND LIMITATIONS FOR SPECIFIED CRITICAL ILLNESS

Benefits are not paid for a specified critical illness that occurs as a result of a covered person’s: pre-existing condition limitation; prohibited practitioner referral; psychiatric or psychological condition; self-destruction or self-inflicted injuries; or war or armed conflict. Other restrictions and eligibility factors may apply.

***Payment of claims is subject to all policy limitations and exclusions and pre-existing condition limitations.