I have a yoga teacher friend who recently had to choose between paying her rent and fixing a chipped tooth. It’s simply shocking to me how many of us yoga teachers live a hand-to-mouth existence (no pun intended), without the benefit of paid sick leave, vacation days, health insurance or any guarantee that our classes will stay on studio schedules during lean times.
You see, we are considered independent contractors, not employees, and we are not afforded many of the legal rights that come along with full-time employment. Minimum employment standards just don’t apply to us and, to make things worse, many of us work without having negotiated contracts. I know you don’t like to think about legal mumbo jumbo and I know you’re young, vibrant and healthy today, but all it takes is an injury or illness to take us away from our livelihoods in a scary way.
So, I’ve been in discussions with a number of health insurance providers and I’ve finally negotiated a group health insurance plan I’m happy with. It includes extended health care, dental coverage, life insurance, and short- and long-term disability. The monthly cost starts at $103.78 CAD (plus tax) for someone under 35 without any dependants and it runs to over $200 CAD (plus tax) for someone in their 50s who needs family coverage.
Here’s the bottom line: this plan is significantly better than anything I could negotiate as an individual or even as a small business owner, but you may be able to do better if you have a partner or parents with benefits through a large corporation or the government.
You’ll see that we are defined as an association but I don’t propose to formalize this association just for the purposes of gaining insurance coverage and I will not be collecting any kind of fees or dues—this is not a for-profit venture for me in any way and the only people taking a cut are the insurance broker and the insurance company. Robertson Insurance has agreed to manage the plan on our behalf and they will take care of the associated administrative work.
I’m signing up as we speak.
If you are interested, please contact Durant D’Intino directly at DDintino@robertsonhall.com. His phone is 1-800-640-0933. Please send him (1) your name, (2) your email address, (3) your date of birth, and (4) whether you need single of family coverage so he can send you the enrolment forms and provide a quote. Please note that there are medical questions involved and they will not insure you at this price if you are currently on disability leave or have a major illness.
Please feel free to pass along the info. The plan is open to any certified yoga teacher in the province of Ontario who teaches 20 or more hours a week (this can include class prep time and travel to and from classes). As our group grows, I will be in a position to re-negotiate the terms and also to negotiate a good price on liability insurance. If you live outside of Ontario, take the plan details to your local insurance broker and ask them to create something comparable for the yoga teachers in your area.
Please remember that you are important and what you do is important. Take good care of yourselves so you can serve your students they way you are meant to.