Benefits for Caregivers working in Philadelphia

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.

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 $29.69 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 [email protected] 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 $21.51 per week. They would be enrolled in the same medical plan as you have.

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 [email protected] 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.

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.

Click here to access the FreedomCare Employee Handbook for caregivers.