The Benefits

We offer only the best plans available for medical, dental, and vision insurance. (Gold medical with $1k deductible and Platinum medical with $100 deductible) You can choose which level works best for you and your family.

The Gold plan is 100% covered by GWB. You only pay the difference in premium if you want the Platinum plan plus any premiums for your dependents.

If you’re on your spouse’s plan, you could come out ahead by switching just yourself or your whole family over to Guilds with Benefits.

We can help if you have any questions!

United Healthcare Gold Plan
Guild Members pay per month…
$0 for themselves
$534.14 for spouse/domestic partner
$454.02 for child(ren)
$988.16 for family

$9,100 Individual Annual Maximum
$18,200 Family Annual Maximum

$1,000 Individual Annual Deductible
$2,000 Family Annual Deductible

30% Coinsurance Tier 1
30%/40% Coinsurance Tier 2

$20 Primary Care Visit Tier 1
$40 SP Office Visit T1

$55 Primary Care Visit Tier 2
$65 Specialist Office Visit Tier 2

Rx $50 Deductible then $10 Tier 1, $40 Tier 2, and 50% Tiers 3&4

Alternative Care Included!

United Healthcare Platinum Plan
Guild Members pay per month…
$102.35 for themselves
$738.84 for spouse/domestic partner
$643.37 for child(ren)
$1,279.86 for family

$4,000 Individual Annual Maximum
$8,000 Family Annual Maximum

$100 Individual Annual Deductible
$200 Family Annual Deductible

10% Coinsurance Tier 1
10%/30% Coinsurance Tier 2

$10 Primary Care Visit Tier 1
$20 SP Office Visit T1

$30 Primary Care Visit Tier 2
$60 Specialist Office Visit Tier 2

Rx $50 Deductible then $10 Tier 1, $40 Tier 2, and 50% Tiers 3&4

Alternative Care Included!

Cashflow can be challenging as a freelancer. We know what it’s like waiting on your customer to make that big payment so you can pay your water bill.

To take on this financial roller coaster, we advance our Guild Members with an hourly wage of $16/hour worked (interest-free, obviously).

Pay-periods are the 1st-15th (paid on the 25th) and 16th-last day of the month (paid on the 10th).

Here’s an example of how it works:

Julie worked 80 hours during the first half of the month and 75 hours during the second half of the month. Julie’s hourly wage advance would be $1,280 for the first half of the month and $1,200 for the second half of the month. Her client also made a $7,000 payment on the last day of the month.

At the beginning of each month, revenue splits are calculated. Julie’s portion of the revenue split (62%) is $4,340, and of that, she pays back what was fronted to her for the hourly pay ($4,340 - $1,200 - $1,280 = $1,860). This amount will be spread over the following pay-periods.

Even though Julie’s revenue split is 62% instead of 100%, she takes home about $170 more per month than when she was 1099- and she can spend all of it (no need to save for quarterly tax payments). Visit the Details page to learn more.

If you typically receive large payments a few times per year, we can help you spread them out over a longer period of time so you have consistent earnings each pay-period.

Applying for a mortgage or other loan? Employment verification is easy as a Guild Member!

Select contribution amounts that work for you and allow you to reach your retirement goals.

We will match your contributions up to 3%. You’re investing in your future, and so are we!

Change your contributions anytime.

No more quarterly tax filings or penalties for failing to file!

We provide you with a W-2 once the calendar year ends so tax season is predictable and easy.

So long, crazy tax preparation bills and overdue tax payments!

Guild Members earn 1 hour of time off for every 12 hours worked. Each hour is valued at $16 per hour for a value of up to $231.10 per month.

Have you or someone you know ever been injured on the job? It can be scary, especially when you realize that it could put you out of work for an extended period of time for the healing process.

That’s why it’s so important to us that we offer Workers Compensation to all of our Guild Members.

Workers Compensation provides financial support for medical expenses and time lost due to a workplace injury.

While we do the best we can to promote and encourage safe work environments for our Guild Members, life sometimes- just happens.

You can read more about Oregon Worker’s Compensation at their website.

Oregon is one of the amazing states offering Paid Family Medical Leave for its W-2 workers. This provides financial support while caring for your own qualifying medical event or that of a family member. This includes things like surgeries, treatments, and pregnancies.

Visit Paid Leave Oregon for more information.

Yes, Guild Members are entitled to unemployment just like traditional W-2 workers.

If the market changes (or a pandemic occurs), leaving you suddenly out of work, you would qualify for financial support while you transition or pivot.

Unemployment payments are determined by the state, and you can find more on the Oregon Employment Department’s site.

Guild Members have access to their own Guilds with Benefits payment portal on PayPal. This allows Guild Members to customize invoices and send professional invoices to their clients with direct payment links.

Update your prices any time. You’re in control of what services you provide and what you charge.

We provide Guild Members with their own Calendly access so they can share their booking link with clients, taking the headache out of scheduling (and it comes with automatic reminders)! Sync your calendar with Calendly, and you’ll never be double booked again.

Already using Calendly? When you join Guilds with Benefits, your current calendar and all of your bookings will flow straight into your Guilds with Benefits Calendly, and you will be refunded for any unused subscription payments.

We thought that was pretty neat. :)

Freelance work can feel isolating, so we are making efforts to connect interested Guild Members via messaging groups, online events, and in-person events.

Let’s get to know each other and build our own community.

Do you need advice on setting up a contract to use with your clients?

Do you want to talk a situation with a client out with someone who gets it?

Do you need help with budgeting or financial planning?

Considering hiring someone or need to expand your business?

We are here to help! Reach out any time with needs or questions—we are founded and staffed by former freelancers, so we get you!

Don’t have or need a whole website for your work? Every Guild Member can create their own listing on our directory page.

Potential clients are looking for legitimate professionals to hire, and they’re already shopping our Guild Members.

Get discovered via the directory page so your new clients can book and pay seamlessly without any administrative or logistical headaches!

You’ll have access to a Guilds with Benefits email, Word, Excel, and other Microsoft Apps that make your work easier.