MAKE SURE YOU’RE WORKING FOR A PARTICIPATING EMPLOYER

Review the list of participating employers.

Review list

CHECK YOUR WORK HISTORY

View your reported days and income and gauge your eligibility.

Proceed to your account

UPDATE YOUR PROFILE

Update your profile, change your contact information, or go green and sign up for electronic delivery of Plan communication.

Proceed to your account

MAKE A PAYMENT

Pay your annual Administration Fee, Dependent Coverage, Bridge or COBRA payment.

Proceed to your account

PLAN & BENEFIT SUMMARIES AND DESCRIPTIONS

Find the Summary Plan Description (all of the Plan’s policies and procedures) and all the carriers’ Benefit Summaries.

Access documents

ADD/REMOVE DEPENDENTS

Complete and return the enrollment form to add and remove dependents. Please note: most new dependent enrollments must wait for Open Enrollment in December. Call or email BeneSys at 855-696-2909 or staff@phbp.org for details.

Download Form

PHBP Benefits for Freelancers

As a freelance production professional, there’s never been a better time to be part of the PHBP. We've drastically reduced the cost for dependent care,
added disability insurance at no cost to you, and provided you the option to 'Go Green' and reduce the paper that comes to your house. PHBP provides you
free coverage in a "Cadillac" PPO by Anthem, the nation’s largest network of providers. Be sure you are working for Participating Employers to enjoy the
benefits of being covered by the PHBP. Read below for all the details.

INSURANCE FOR THE FREELANCE COMMERCIAL PRODUCTION PROFESSIONAL

All eligible Freelance employees receive Medical, Pharmaceutical, Dental, Vision, Short Term and Long Term Disability Insurance at no cost on an annual basis. The insurance automatically renews as long as the eligibility requirements are met each year.

ELIGIBILITY REQUIREMENTS

To qualify for PHBP insurance coverage, you must:

  • Work 100 days per year (“day” defined as a minimum of 8 hours, “year” as 12 consecutive months), OR
  • Earn $35,000 per year (as defined above).
  • Only non-union commercial work in a covered job category for PHBP Participating Employers counts towards eligibility
  • Music videos, TV, Features, webisodes, etc. are NOT included.
  • Coverage begins the 1st of the month following a 30 days processing period after the qualifying event (your 100th day worked or 35th thousand dollar earned).
  • Once you qualify, you will be automatically enrolled. The Plan will send you information by regular mail, including an option to opt out of the Plan.

Click here to check your work history.

PARTICIPATING EMPLOYERS

  • Only work in a Covered Job Category for a Participating Employer counts towards eligibility.

Click here for a complete list of Participating Employers.

COVERED PRODUCTION JOB CATEGORIES

Work in the following job categories counts towards PHBP eligibility, and includes all modifiers, adjectives, prefixes, suffixes or descriptive terms that may be added to the job title:

  • Producer, Line Producer, Bidder
  • Production Manager, Production Supervisor
  • Production Coordinator, Asst. Production Supervisor, DOT Coordinator
  • Production Assistant, PA

COVERED POST PRODUCTION JOB CATEGORIES

Work in the following job categories performed ONLY FOR PARTICIPATING EMPLOYERS WHO ARE NOT SIGNATORY TO THE IATSE COMMERCIAL AGREEMENT (a.k.a. ‘Non-Union” Companies), counts towards PHBP eligibility (Confirm with your employer if they participate in the following categories):

  • Animator (2D or 3D), CG Supervisor, Designer, Compositor, Effects Artist, Flame Artist
  • Colorist, Editor, Assistant Editor, Post Production Supervisor, Post Production Producer
  • Finisher, Render Wrangler, Stitcher, Technical Director

COST TO THE FREELANCER

The insurance is free, however all covered Freelancers pay a $300 annual administrative fee upon enrollment and with each annual policy renewal.

FREELANCE DEPENDENT COVERAGE

Covered Freelancers can add their dependents:

  • Dependents (Spouse, Domestic Partner, children) can be added for $250 per month for the 1st Dependent, plus $100 per month for each additional dependent.
  • Dependents can be added when the Freelancer first qualifies and enrolls in the PHBP.
  • Dependents can also be added during the open enrollment period in December for coverage effective Jan. 1.
  • Exceptions are made for special ‘life events’, such as, for example, if a spouse’s current employer provided insurance ceases to exist because the employer goes out of business. In this case, the soon-to-be formerly covered dependent can join PHBP without interruption.
  • If you have a potential “life event” that could impact the enrollment period if your dependents

Click here to email the Plan Administrator and let us know your situation and we’ll be in touch.

FREELANCER BANKED DAYS

  • Worked days in excess of 100 per year can be ‘banked’ for qualifying use in the next immediate qualifying year to help reach the 100 day requirement.
  • Worked days must be qualifying work for Participating Employers.

What if I don’t meet the eligibility requirements needed to re-qualify for continuing coverage by the PHBP?

BANKED DAYS:

  • Any banked days from your immediately preceding qualification period will be added to your current day count.
  • If the sum of your current qualifying days and your banked days is 100 days worked or more, you qualify for policy renewal.

Click here to review your Work History and Banked Days.

FREELANCE BRIDGE PAYMENTS

You can “bridge” the gap between your actual days worked and the 100 days of work needed to requalify:

  • Combine your actual work days with any banked days from last year’s qualifying period.
  • The total of banked and worked days must be at least 50 days.
  • Make monthly payments equal to $5.71 per day needed to bridge the gap between your total days and the 100 days needed for coverage.
  • Example: you have 20 days banked from your previous qualifying year and worked 48 days in the current qualifying year, for a total of 68 days. That’s 32 days short of the 100 needed to re-qualify. The Bridge Payment would be be 32 days x $5.71 per day, for a total of $188.43 per month.
  • Bridge payments can be made for up to 12 months, or until you re-qualify by earning $35,000 or working 100 days in a consecutive year.

Click here to contact the Plan Administrator to set up COBRA continuation coverage.

Bridge payments must be set-up PRIOR to the termination of your current coverage.

COBRA

  • If your PHBP coverage is terminated for failure to re-qualify, you will be offered COBRA continuation coverage.
  • You may pay the cost of your insurance premium plus a small administration fee and continue your PHBP coverage for up to 18 months. Generally, the PHBP premiums are likely to be much less than a similar policy would cost on the individual market.
  • Current 2018 COBRA monthly costs are $582.73 for employee, $1,272.90 for Employee plus Spouse, $1.067.20 for Employee plus Child or Children, $1,807.16 for Employee plus entire family.

Click here to contact the Plan Administrator to set up COBRA continuation coverage.
Click here to get more information about COBRA continuation coverage.

QUESTIONS ON PLAN POLICIES OR PROCEDURES?

Click here for the Summary Plan Description and amendments.

Click here to contact the Plan Administrator