Benefits for Small Businesses & Independent Contractors

You shouldn't have to work for a big corporation to have real financial protection.

Whether you're self-employed, run a small business, or work as an independent contractor, you deserve access to the same benefits that large companies provide their employees—life insurance, disability coverage, and protection against unexpected medical costs.

I help small businesses and independent contractors offer (or access) benefits that provide real cash when you need it most—not just health insurance that only pays doctors and hospitals.

Benefits That Pay YOU Directly:

Hospital Indemnity Insurance Get paid cash for every day you're hospitalized—use it for bills, mortgage, childcare, or anything you need while you're recovering.

• $500-$1,000+ per day in the hospital

• Pays directly to you, not the hospital

• Use it however you want

Critical Illness Insurance Lump-sum cash payout if you're diagnosed with cancer, heart attack, stroke, or other serious illness.

• $10,000-$50,000+ payouts

• Use it for experimental treatments, lost income, travel to specialists, or daily bills

• Focus on healing, not finances

Cancer Insurance Specialized coverage for cancer diagnosis and treatment—because cancer costs more than just medical bills.

• Covers chemotherapy, radiation, surgery

• Pays for lodging near treatment centers

• Helps with lost income during treatment

Short-Term Disability Income replacement if you can't work due to illness or injury—because your bills don't stop when your paycheck does.

• Replaces portion of your income

• Covers accidents and illnesses

• Perfect for self-employed and small business owners who don't have sick leave

Life Insurance with Living Benefits Protect your family AND yourself with life insurance you can access while you're still alive.

• Term Life: Affordable coverage for 10, 20, or 30 years

• Whole Life: Permanent coverage that builds cash value

• Living Benefits: Access your death benefit early if diagnosed with a terminal or chronic illness

Why These Benefits Matter for Small Business Owners & Independent Contractors:

You don't have paid sick leave. If you can't work, you don't get paid. Disability and critical illness insurance replace that lost income.

You don't have a corporate safety net. Large companies have short-term disability, life insurance, and supplemental benefits built in. You need to create your own.

Medical bills are just the beginning. Health insurance covers your doctors—but who covers your mortgage when you're too sick to work? These benefits do.

Your family depends on you. Life insurance with living benefits protects your loved ones AND gives you access to funds if you face a serious diagnosis.

Perfect For:

✓ Independent contractors (1099 workers, gig economy, freelancers)

✓ Self-employed professionals (consultants, real estate agents, creatives)

✓ Small business owners who want to offer benefits to their team

✓ Solopreneurs who need protection but can't afford traditional group plans

✓ Anyone who wants the security of big company benefits without the big company job

How It Works:

For Independent Contractors & Self-Employed: You purchase these benefits individually—affordable monthly premiums that give you real protection. I'll help you choose what makes sense for your income, budget, and risk tolerance.

For Small Business Owners: Offer these as voluntary benefits through payroll deduction. Your employees get access to valuable coverage, you get to say "We offer benefits"—and it costs you little to nothing.

What Makes These Benefits Special:

✓ Cash paid directly to YOU – Not to doctors or hospitals. Use it however you need.

✓ Affordable premiums – Much cheaper than you'd think, especially compared to the financial risk of being uninsured

✓ No employer required – Independent contractors can get the same benefits as W-2 employees

✓ Stacks with health insurance – These benefits pay OUT in addition to your health insurance

✓ Living benefits on life insurance – Access your own policy if you're diagnosed with a terminal or chronic illness

✓ Works with Marketplace plans – Pair supplemental coverage with an affordable Marketplace health plan for complete protection

Real-World Example:

Meet Sarah: Freelance Graphic Designer

Sarah has a Bronze Marketplace plan with a $7,000 deductible. Last year, she was hospitalized for 5 days after a car accident.

Her costs:

• Medical bills: $35,000 (she paid her $7,000 deductible)

• Lost income: $4,000 (couldn't work for 2 weeks)

• Total out-of-pocket: $11,000

If Sarah had hospital indemnity + short-term disability:

• Hospital indemnity: $500/day × 5 days = $2,500

• Short-term disability: $2,000 (2 weeks coverage)

• Total received: $4,500

Her premiums for both? Less than $100/month—far less than her out-of-pocket costs.

This is why these benefits matter.

Working With Combined Insurance & AFEUSA

I partner with Combined Insurance and AFEUSA to provide these benefits because they specialize in serving:

• Small businesses

• Independent contractors

• Self-employed individuals

• People who don't have access to traditional employer benefits

These aren't "cheap" policies—they're real coverage from established companies that pay claims.

Get the Same Protection as Fortune 500 Employees—Without the Fortune 500 Payroll

Protect Your Income, Your Family, and Your Future

You work hard for your business. Make sure you're protected if life throws you a curveball.

Whether you're self-employed or run a small business, let's build a safety net that actually works.

Call/text: 216-800-7303

Serving independent contractors and small businesses in Ohio, Pennsylvania, and North Carolina protection as corporate employees.