{"id":19100,"date":"2025-01-09T15:29:33","date_gmt":"2025-01-09T15:29:33","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/how-to-put-together-a-benefits-package-when-youre-self-employed\/"},"modified":"2025-01-09T15:29:33","modified_gmt":"2025-01-09T15:29:33","slug":"how-to-put-together-a-benefits-package-when-youre-self-employed","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=19100","title":{"rendered":"How to Put Together a Benefits Package When You\u2019re Self-Employed"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"code-block code-block-3\" style=\"margin: 8px auto; text-align: center; display: block; clear: both;\">\n<p style=\"text-align: center;\"><em><span style=\"font-size: 12pt;\">(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. See our <a href=\"https:\/\/womenwhomoney.com\/disclosure-policy\/\" target=\"_blank\" rel=\"noopener\">Disclosure<\/a> for more info.)<\/span><\/em><\/p>\n<p>\u00a0<\/p><\/div>\n<p>You\u2019ve finally decided to be your own boss. You won\u2019t miss your overbearing manager, endless meetings that should have been emails, or white-knuckled commute.<\/p>\n<p>But you certainly will miss some of the perks that came with the job, like health insurance or a retirement savings plan employer match.<\/p>\n<p>Fortunately, it is possible to put together a robust benefits package when you\u2019re self-employed. We\u2019ll show you how.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-chat-with-human-resources\">Chat with Human Resources<\/h2>\n<p>The first thing you should do is chat with your soon-to-be (or already) former employer\u2019s human resources department. A representative from there can go over what will happen to your benefits after you leave the company.<\/p>\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" alt=\"female entrepreneur working at desk\" class=\"wp-image-70388\" srcset=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package.jpeg 1024w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-650x325.jpeg 650w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-150x75.jpeg 150w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-768x384.jpeg 768w\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package.jpeg\"\/><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package.jpeg\" alt=\"female entrepreneur working at desk\" class=\"wp-image-70388\" srcset=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package.jpeg 1024w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-650x325.jpeg 650w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-150x75.jpeg 150w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2023\/03\/freelancer-benefit-package-768x384.jpeg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<p>Be sure to get answers to all of your questions and discuss things like:<\/p>\n<ul>\n<li>When will your medical insurance coverage end?<\/li>\n<li>How much does <a href=\"https:\/\/www.dol.gov\/general\/topic\/health-plans\/cobra\" target=\"_blank\" rel=\"noreferrer noopener\">COBRA<\/a> coverage cost?<\/li>\n<\/ul>\n<ul>\n<li>Will you get your unused paid time off in a lump sum in your last paycheck?<\/li>\n<li>Is your employer-sponsored life insurance policy portable (meaning you can keep the policy and pay for it on your own)?<\/li>\n<\/ul>\n<ul>\n<li>Will you get your full pension?<\/li>\n<li>What\u2019s the contact information for your retirement savings plan provider?<\/li>\n<\/ul>\n<p><strong>Pro Tip:<\/strong> Now\u2019s also a great time to determine if you\u2019re eligible to get on someone else\u2019s insurance coverage, like a spouse\u2019s or parent\u2019s.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-prioritize-your-perks\">Prioritize Your Perks<\/h2>\n<p>Once you know what your previous organization will do for you, list all the benefits you want to replace. Then, rank them in order of importance. That way, you have a plan to keep you organized.<\/p>\n<p>For example, if your spouse can add you to their health insurance, you can shift your focus to <a href=\"https:\/\/womenwhomoney.com\/rollover-401k-403b\/\">rolling over the funds in your 401k<\/a> into a new retirement savings account or getting a new <a href=\"https:\/\/womenwhomoney.com\/why-is-it-important-for-women-to-get-life-insurance-and-how-much-should-they-get\/\">life insurance<\/a> policy.<\/p>\n<p><strong>Pro Tip:<\/strong> Don\u2019t forget to double-check your list. You probably included the major benefits, such as health insurance, life insurance, and retirement savings. But did you account for perks like <a href=\"https:\/\/womenwhomoney.com\/long-term-care-ltc-insurance\/\">long-term care<\/a>, <a href=\"https:\/\/womenwhomoney.com\/pet-insurance-worth-money\/\">pet<\/a>, or <a href=\"https:\/\/womenwhomoney.com\/important-disability-insurance\/\">disability insurance<\/a>?<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-determine-your-budget\">Determine Your Budget<\/h2>\n<p>As an employee, your employer might have covered a high percentage of your insurance premiums, matched a portion of your retirement savings plan contributions, and paid for other perks.<\/p>\n<p>But now, that responsibility falls solely on you. So, before you start assembling your self-employed benefits package, you must determine how much you can afford to spend.<\/p>\n<p>To do this, review your existing budget and your new income level.<\/p>\n<p>Do you have any wiggle room? Will you need to cut other spending to free up funds to pay for your benefits?<\/p>\n<p>Make sure you set a monthly limit that you can comfortably sustain. That way, you won\u2019t find yourself scrambling to cover your insurance premiums during a lean period in your business.\u00a0<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-shop-for-insurance\">Shop for Insurance<\/h2>\n<p>Now that you have a budget in place, you can shop for insurance. Many freelancers, contractors, and solo business owners visit the <a href=\"https:\/\/www.healthcare.gov\/self-employed\/\" target=\"_blank\" rel=\"noreferrer noopener\">Healthcare Marketplace<\/a>.<\/p>\n<p>From there, you can review your options and enroll in the right coverage for you and your family (if applicable).<\/p>\n<p>Depending on your income, you might qualify for a plan premium subsidy, reducing your monthly cost. Even if you\u2019re not eligible for a subsidy, a comparable marketplace plan will likely be cheaper than COBRA coverage.<\/p>\n<p><strong>Note:<\/strong> Since your loss of employer coverage is considered a qualifying event, you don\u2019t need to wait until <a href=\"https:\/\/womenwhomoney.com\/open-enrollment\/\">open enrollment<\/a> to obtain a new policy.<\/p>\n<p>If you don\u2019t find a policy you like or can afford on the marketplace website, you may want to check out a <a href=\"https:\/\/womenwhomoney.com\/health-care-share-ministry\/\">Health Care Sharing Ministry<\/a>. It\u2019s not health insurance. Instead, it\u2019s a program where group members help to pay for each other\u2019s medical expenses.<\/p>\n<p>You need to be religious to qualify, and there\u2019s no guarantee a particular claim will get covered. However, your monthly financial responsibility will likely be far less than if you opted for a traditional health insurance plan.<\/p>\n<p>Need dental and vision coverage? Your health insurance policy may offer some benefits. If not, you can compare quotes from the major carriers.<\/p>\n<p><strong>Pro Tip: <\/strong>If you need to replace other insurance policies, like life or disability, you can obtain quotes from multiple insurers on websites like <a href=\"https:\/\/www.policygenius.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Policygenius<\/a>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-compare-your-retirement-plan-options\">Compare Your Retirement Plan Options<\/h2>\n<p>You may wonder: what&#8217;s the <a href=\"https:\/\/womenwhomoney.com\/best-retirement-plans-self-employed\/\">best retirement plan<\/a> for self-employed folks? While we can\u2019t make that decision for you, we can introduce you to some popular options:<\/p>\n<ul>\n<li><a href=\"https:\/\/womenwhomoney.com\/solo-individual-401k\/\">Solo 401k<\/a>: Great for solopreneurs and freelancers and functions similarly to your workplace 401k. You can contribute as both the employee and employer.<\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/womenwhomoney.com\/ira-traditional-roth\/\">Traditional or Roth IRA<\/a>: IRA stands for \u201cIndividual Retirement Arrangement.\u201d Traditional IRAs give you a tax benefit upfront, while Roth IRAs give you one when you withdraw funds.<\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/womenwhomoney.com\/sep-ira\/\">SEP-IRA<\/a>: SEP stands for \u201cSimplified Employee Pension.\u201d This investment vehicle is an IRA explicitly designed for the self-employed.<\/li>\n<\/ul>\n<p><strong>Additional reading:<\/strong> Learn about the <a href=\"https:\/\/womenwhomoney.com\/what-is-self-directed-ira-sdira\/\">Self-Directed IRA<\/a>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-remember-pto\">Remember PTO<\/h2>\n<p>When you\u2019re self-employed, you don\u2019t earn if you don\u2019t work. But you still need to take time off regularly. You can cover your sick and vacation days by setting aside a portion of your income each month. That way, you can tap into those funds to cover your expenses when you\u2019re out of the office.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-try-to-cut-costs\">Try to Cut Costs<\/h2>\n<p>At this point, you\u2019ve probably realized how much your <a href=\"https:\/\/womenwhomoney.com\/employee-benefits-package-worth\/\">employee benefits package was worth<\/a>.<\/p>\n<p>Fortunately, there are some ways you can reduce the expenses that you now have to shoulder alone. Explore these tips on how to save money on:<\/p>\n<p><strong>Bonus read:<\/strong> Want to get lean and toned on a budget? Check out the <a href=\"https:\/\/womenwhomoney.com\/best-free-inexpensive-health-fitness-apps\/\">best free and inexpensive health fitness apps<\/a>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-go-self-insured-or-uninsured\">Go Self-Insured or Uninsured?<\/h2>\n<p>If you have a healthy cash reserve, you may decide to <a href=\"https:\/\/womenwhomoney.com\/self-insuring-to-save-money\/\">self-insure<\/a>. That means you don\u2019t purchase insurance but instead cover all your expenses \u2013 including what an insurance company would.<\/p>\n<p>Essentially, you\u2019re betting that your out-of-pocket cost will be less to cover those expenses than to pay insurance plan premiums. But it\u2019s a gamble, so you must be comfortable with that risk.<\/p>\n<p><strong>Pro Tip:<\/strong> You can save money on treatment if you get <a href=\"https:\/\/womenwhomoney.com\/sick-hurt-while-uninsured\/\">sick or hurt while uninsured<\/a>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-take-that-deduction\">Take That Deduction<\/h2>\n<p>You can often deduct health insurance premiums and retirement savings plan contributions on your taxes.<\/p>\n<p>Taking advantage of these tax breaks can improve your budding business\u2019 bottom line. But remember, it\u2019s wise to consult a qualified accountant or financial professional to help you lawfully maximize your deductions (and profits!).<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final Thoughts<\/h2>\n<p>Transitioning from traditional employment to self-employment doesn\u2019t negate your need for a healthy and secure future.<\/p>\n<p>Fortunately, you can assemble a benefits package that gives you the insurance coverage and financial tools you need to thrive for years to come.\u00a0<\/p>\n<p><strong>Tell us:<\/strong> Have you created your own self-employment suite of perks? If so, what did you include and why?<\/p>\n<p>Next: <a href=\"https:\/\/womenwhomoney.com\/freelance-writer-reflections\/\">A Freelance Writer Reflects on Five Years In<\/a><\/p>\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group__inner-container\">\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" alt=\"Laura Gariepy Headshot\" class=\"wp-image-65478\" width=\"150\" height=\"150\" srcset=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot.jpeg 600w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot-500x500.jpeg 500w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot-150x150.jpeg 150w\" data-lazy-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot.jpeg\"\/><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot.jpeg\" alt=\"Laura Gariepy Headshot\" class=\"wp-image-65478\" width=\"150\" height=\"150\" srcset=\"https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot.jpeg 600w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot-500x500.jpeg 500w, https:\/\/womenwhomoney.com\/wp-content\/uploads\/2021\/04\/Laura-Gariepy-Headshot-150x150.jpeg 150w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- CONTENT END 2 -->\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. See our Disclosure for more info.) \u00a0 You\u2019ve finally decided to be your own boss. You won\u2019t miss your overbearing manager, endless meetings that should have been emails, or white-knuckled commute. But you certainly will [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11283,2208,4809,11010,6769],"dealstore":[],"offerexpiration":[],"class_list":["post-19100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-benefits","tag-package","tag-put","tag-selfemployed","tag-youre"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Put Together a Benefits Package When You\u2019re Self-Employed - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=19100\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Put Together a Benefits Package When You\u2019re Self-Employed - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. 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But you certainly will [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=19100\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-09T15:29:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/01\/entrepreneur-benefit-package.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=19100#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=19100\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"How to Put Together a Benefits Package When You\u2019re Self-Employed\",\"datePublished\":\"2025-01-09T15:29:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=19100\"},\"wordCount\":1188,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=19100#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/01\/entrepreneur-benefit-package.jpeg\",\"keywords\":[\"Benefits\",\"Package\",\"Put\",\"SelfEmployed\",\"youre\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=19100#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=19100\",\"url\":\"https:\/\/fivemor.com\/?p=19100\",\"name\":\"How to Put Together a Benefits Package When You\u2019re Self-Employed - 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