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Now offering InstaPay4Care — Clock out & get paid instantly!

Benefits for Caregivers working in Upstate & Western NY Counties

For benefits questions, call 929-227-4392 or email

For questions about timesheets, permanent schedule changes, the FreedomCare app, and your paychecks, please call your coordinator.


InstaPay4Care is an optional feature that allows you to choose to have early access to approved pay that you have earned. InstaPay4Care is not an advance.

How does it work?

  • Work your scheduled shift and clock out on time after your visit.
  • Submit your daily timesheet.
  • A popup will appear that says InstaPay Available. To get paid for that visit right away, tap Yes.
  • To agree to the Terms and Conditions tap on Caregiver’s Signature.
  • Sign and tap Redeem Visits. You are all set! In less than 10 minutes, most of your pay for those visits will appear on your RapidCard.

The rest of your pay is withheld for taxes and deductions. This is an estimate of what we expect your payroll taxes and deductions to be based on your previous paychecks. If there is any pay leftover after taxes and deductions, it will be added to the next payroll.

How do I make sure my visits are eligible for InstaPay?

You must clock in and out on time to make a visit eligible for Instapay. There is no extra cost to receive InstaPay.

You can view your visits that are eligible for InstaPay4Care by going to the FreedomCare app home screen, then tapping on My Payroll then InstaPay.

Watch these videos to see how it’s done!

Clock out + InstaPay4Care: Watch now,
InstaPay4Care: Watch now,

Can I get InstaPay for more than one visit?

Yes! You may have more than one visit that is eligible for InstaPay. If so, you can get InstaPay for each of those visits.

Is there a fee to receive InstaPay?

No, there is no cost to receive InstaPay.

If there is any pay leftover after taxes and deductions, when will I receive it?

If there is any pay leftover after you redeem your InstaPay4Care visits, it will show on your paycheck the following week.

For example, if you worked on Monday, January 11th and Wednesday, January 13th and you redeemed InstaPay4Care for those two visits, the rest of your pay will appear on your paycheck that you receive on Friday, January 22nd. This is because you are paid every Friday for the prior week. For example, your paycheck that you receive on Friday, January 22nd is for the week of Sunday, January 10th to Saturday, January 16th. Please see the visual below.

Health Insurance

If you work 30 hours per week or more, you can sign up for health insurance through Total Plan Concepts using the MagnaCare network.

Is there a premium?

Yes. Your premium (or weekly payment) for health insurance would be $32.30 per week.

How do I sign up?

To sign up, complete the Group Benefit Form within 90 days of your start date and email it to or fax it to (347)-230-5491. If you sign up, you will start receiving health insurance 90 days after your start date.

If you want to sign up for health insurance after 90 days of employment, you must have a qualifying life event or wait until open enrollment.

Can I add my child to my health care plan?

To add a child under 26 to your health insurance plan, it costs $97.23 per week. They would be enrolled in the same medical plan as you have. They would also receive the vision plan, but they would not receive the gym reimbursement.

You can add your child(ren) to your health insurance plan during any of the following times:

  • within 90 days of your start date at FreedomCare (coverage will start 90 days after your start date)
  • if they have a qualifying life event
  • during open enrollment

To add your children to your health plan, complete the Group Benefit Form and email it to or fax it to (347)-230-5491.

Can I add my spouse to my health care plan?

You cannot add your spouse to your plan.

Vision Plan

If you sign up for health insurance, you will also receive vision coverage! You can get one eye exam per year and up to $400 back each year to cover the cost of lenses, frames, or contacts.

How do I schedule an eye exam?

For eye exams, you must see an eye doctor who is in the NOVA Healthcare network or the MagnaCare network, depending on which plan you have. Please call TPC at (800)-507-1433 to get a list of eye doctors in your area who are in your network. You will only need to pay a $10 copay for your eye exam.

How do I get reimbursed for lenses, frames, and contacts?

You will need to pay in full first and then you can submit for reimbursement. You may get your lenses, frames, and contacts, from any store or vendor you wish! To submit for reimbursement, email or fax (347)-230-5463 with the following info:

  • your full name
  • member ID (on your insurance card)
  • your receipt, which needs to show the date of purchase, the services and/or items purchased, and the cost

Once received and processed, you will receive a reimbursement check from TPC.

Medical and Counseling Services

  • Feeling sick and need to speak with a health provider? Just tap on the Speak To a Health Provider button on the home screen of the FreedomCare app. If you don’t have the app, use this link: This service is available to you and your patient at no cost, Monday-Friday from 9 a.m. to 6 p.m. ET.

  • Feeling down or stressed? If you would like a listening ear or emotional support, you can call a licensed therapist at 1-800-433-2320, or text a therapist at 503-980-1777. This is a free service for FreedomCare caregivers and anyone who lives with you. A therapist can help with:

    • 24/7 Crisis Counseling

    • Work/Family Balance

    • Depression or Anxiety

    • Financial or Legal Questions

    • Community Support (Child care, pet grooming, housing and home care, family counseling, will kit)

    • Grief Counseling

    • And more!

Gym Reimbursement

If you sign up for health insurance, you can also get up to $400 back each year if you belong to a gym! 

To submit for reimbursement, ask your gym to print out your payment receipts. Then, email your receipts to along with your name and Member ID. Once received and processed, you will receive a check from Total Plan Concepts.

Sick Time

You can get up to 56 paid sick hours per year. Your sick hours start accruing right after you start working. You get 1 sick hour for every 30 hours you work, up to 56 hours per year. If you are sick and cannot make it to work, you may take 1 paid sick hour for every hour that you are scheduled to work that day as long as you have accrued enough sick hours.

You may begin using paid sick time 120 days after your first workday. To take your sick time, you must call your Care Coordinator.

You cannot take more than 56 paid sick hours per year. If you don’t use your paid sick hours, you can roll over up to 56 hours of sick time to the next year for 1 year. If you need to take more than 56 sick hours in a year, you can sign up for Paid Family Leave or Family and Medical Leave, depending on your situation.

Holiday Pay

Holiday pay is an extra $2 per hour on top of your hourly pay rate for hours you work on these holidays!

  • New Year’s Day
  • Memorial Day
  • 4th of July
  • Labor Day
  • Thanksgiving Day
  • Christmas Day

To receive holiday pay, you must be scheduled to work on the holiday, and you must work on the holiday.

If you work on the holiday, but you are not scheduled to work that day, you will not receive holiday pay for that day.

If you work more hours on the holiday than you are scheduled for, you will only be paid for the hours that you are scheduled to work.

If you were scheduled to work on the holiday and you call out sick that day, you may use available paid sick time, but you will not receive holiday pay for that day.


Overtime refers to any hours that you work over 40 hours in a week. You get paid time and one half per hour when you work over 40 hours in a week.

NYS Paid Family Leave

In accordance with New York State Paid Family Leave, FreedomCare provides job-protected paid leave to bond with a new child, care for a loved one with a serious health condition, or help relieve family pressures when someone is called to active military service.  

If you have a regular schedule of 20 or more hours per week, you may apply to take Paid Family Leave after 26 weeks of employment.

If you have a regular schedule of less than 20 hours per week, you may apply after 175 days worked.

If you have a foreseeable situation, you must notify FreedomCare at least 30 days prior to when you need to go on leave. If the event is not foreseeable, you must notify FreedomCare right away.  

To apply for Paid Family Leave, contact your FreedomCare Coordinator.

Retirement Plan or 401(k)

FreedomCare offers a 401(k) plan, also known as a retirement plan, that you can contribute to 90 days after your start date. FreedomCare matches 100% of your contributions to your 401(k) plan up to 3% of your pay and will match 50% of any contributions above 3% to a maximum of 5% of pay. 

For example, if you contribute 3% of your pay to your 401(k) plan, FreedomCare will contribute the same amount to your 401(k), free of charge. 

If you contribute 5% of your pay, FreedomCare will contribute another 4%, free of charge. The funds FreedomCare contributes vest immediately.

To sign up and enroll:

To sign up for the 401(k) plan, first create an account with Principal Financial by following these steps: 

Then learn how to enroll by watching this video or contacting the Orenda Sponsor Service Team at (212) 564-2464 or

Before enrolling, please note:

  • Enrolling in a retirement plan may impact what health insurance plan you are eligible for. Please contact FreedomCare Wellness at (929)-227-4392 for more information.
  • To withdraw funds from your retirement account, you must pay a 20% mandatory tax withholding. If you are younger than 59 ½, an additional 10% early distribution penalty is applied.
  • The retirement plan does not allow for loans.

Facebook Support Group

Join our FreedomCare Caregivers Support Group on Facebook! The group is a community forum for you to talk openly about your caregiving experience and receive support and encouragement from other caregivers. It’s a place to share your experiences, challenges, and guidance with others who will understand.

To join, click here and select +Join Group. We will approve your request shortly!

Please note, only actively working FreedomCare caregivers can join this group, and you must have a Facebook account to join. Be sure to answer all the membership questions and include your legal name if it’s different from your Facebook name. Otherwise, we cannot accept your membership request.

Please be respectful with your posts. We can’t wait for you to join us.

Employee Handbook

Click here to access the FreedomCare Employee Handbook for caregivers.