For The Self Employed This section provides resource information and materials for self employed people who may or may not have employees. Even though much of the information is similar to businesses who have employees, the focus is more on benefits for the owner of the a business rather than benefits for employees. If you are looking for employee benefit information, go back to the first page and select Employers, or click here. Self employed individuals and owners of businesses have a different set of needs than employees. When you have your own business, at the beginning the efforts are directed towards surviving and earning a living. As the success of your business advances and there is income, your business needs to provide additional things to you and your family. This portion of the website will discuss and provide information on the "benefits" the business should be providing. Often the new business owner has left an employer that provided employee benefits. So once where there was coverage, now there is none. First let's look at an overview of benefits that should be considered and put it in perspective of time or progress of the business. Use the links in the menu below to access information for the owner regarding benefits over the three periods of a business's evolution: At the Beginning - Starting out with a new business and benefits for the owner Building the Business - The business is profitable and the benefits need to be re-examined Looking at Retirement - Time for some serious retirement and business continuity planning