When becoming self-employed, one of the major elements of consideration is the benefits that don't exist and how they compare to the ones that do exist. Sure you'll be able to work when you want, and enjoy the comforts of home, but what about work from home insurance, 401k programs, and retirement plans?
Unless you procure a job with a company that offers you benefits as a work from home employee, you'll be on your own to finance your healthcare, retirement and other needs. These companies are very hard to find, as well. After all, that is one of the biggest perks in hiring contract and freelance employees-- companies save money on operating costs by not having to provide office space or benefits to the employees that they hire on a freelance or remote basis.
If work from home insurance isn't offered by the company that you work for, you can find it on your own. Many insurance companies offer individual plans for those who don't have insurance. If you're looking for business insurance, you can find that too. There are a few things to keep in mind when you're searching for work from home insurance, whether it be health insurance, business insurance, or any other type of insurance that you need.
First, you need to determine which companies offer what you need. Then you should shop around with these companies and find which one has the best insurance for your needs. You'll need to review the coverage you're recieving in comparison to the rates you're offered, and choose which one is best for you. Once you've checked out all the companies that you want to, it's a matter of personal decision as to which work from home insurance company you want to work with.
As a freelance employee, I know the plights of trying to find a position that offers benefits-- as a freelance writer there are almost no companies that offer benefits for their contract employees. However, I have done the research on my own, and have found many companies that offer affordable insurance plans for individuals, so I know that you can find what you need as long as you invest the time to look.
Being a work from home employee offers many benefits to your lifestyle, but also comes with the downsides. All in all, if the position is one that you truly love, as I do, the extra work that you have to do on your own is all worthwhile.