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Frequently Asked Questions

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Membership
- Joining/Eligibility
  - Are there any eligibility requirements to become a member?
    
    Are there any eligibility requirements to become a member?
    
    Nope! We only ask that you consider yourself an artist, as we are an arts service organization. It really wouldn't make sense for others to use our programs, as they're all geared towards artists. That being said, this doesn't mean that you have to be a full-time artist. You might just enjoy painting or acting in your spare time. It doesn't matter to us! We're not going to check your qualifications.
    
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  - How do I sign up?
    
    How do I sign up?
    
    Simply click the "Become a Member" link at the top of the homepage. You'll be asked to fill out your personal information, including payment information (if you're signing up for a paid membership), and choose a username and password.
    
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  - I was told I receive a free Associate Membership through another organization of which I'm a member. How do I take advantage of that?
    
    I was told I receive a free Associate Membership through another organization of which I'm a member. How do I take advantage of that?
    
    Please contact the other organization for sign-up information. They will give you a website which you'll need to go to in order to sign up. If you have a problem retrieving this information, please contact our office.
    
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  - I'm not a member. Can I use any of Fractured Atlas' services?
    
    I'm not a member. Can I use any of Fractured Atlas' services?
    
    You can also browse the copious amounts of information about our programs and services on our website, but you cannot use our services without becoming a member. Please note, we offer a free, basic level of membership (Community Membership), which allows you access to a select portion of our programs and services, including health insurance, the calendar of events, and our grant program.
    
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  - Is there a waiting period after I sign up until I can begin using the services?
    
    Is there a waiting period after I sign up until I can begin using the services?
    
    Nope! Simply sign up online and you'll be able to immediately log into the website and begin using our services.
    
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- Member Benefits
  - Do I automatically receive Fiscal Sponsorship once I sign up as a member?
    
    Do I automatically receive Fiscal Sponsorship once I sign up as a member?
    
    No. Once you become a paid member, you need to apply for Fiscal Sponsorship. You can do this immediately after signing up with Fractured Atlas. Please consult the Fiscal Sponsorship section of our website for more information.
    
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  - I have an Individual or Community Membership, but want to get healthcare insurance for my family and/or liability insurance for my company. Can I do that?
    
    I have an Individual or Community Membership, but want to get healthcare insurance for my family and/or liability insurance for my company. Can I do that?
    
    Membership levels have nothing to do with procuring either type of insurance. If you're an Individual or Community Member and want to register yourself and your family for healthcare insurance, feel free to do so. If you work, or are a part of, a company that needs event or film liability insurance, you can feel free to apply on their behalf.
    
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  - I live outside of New York City. Can I use your services?
    
    I live outside of New York City. Can I use your services?
    
    Of course! We're a national organization for artists across the country. Many of our members naturally reside in and around New York City, but we have hundreds of members in 45+ other states (and in foreign countries!). We pride ourselves on the fact that all of our services can be used by artists nationwide. The one or two services that are New York-only are pilot programs that are currently in a testing phase -- we hope to launch these programs nationwide in the future should they prove effective.
    
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  - I live outside of the United States. Can I use your services?
    
    I live outside of the United States. Can I use your services?
    
    You are more than welcome to join -- we definitely have a number of members residing outside the US. However, we can't guarantee that you'll be able to use all of our services (healthcare insurance and fiscal sponsorship, for example). We definitely do encourage you to join though, if just to be a part of a very large artist community. And there certainly are services that you should find useful.
    
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  - I'm an Associate Member through another organization. What do I have access to?
    
    I'm an Associate Member through another organization. What do I have access to?
    
    You have access to all of our services, except Fiscal Sponsorship. Should you wish to apply for fiscal sponsorship, you must upgrade to a paid membership. Please contact our office if you're interested in doing so. Associate Members should consider themselves Individual Members -- only the member who signed up with us can use our programs and services.
    
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  - What do I get with my membership?
    
    What do I get with my membership?
    
    You can feel free to use any and all of our programs and services (which is basically everything on our website) with any paid membership (if you signed up for a free Community Membership, you only have access to our healthcare services, our calendar, and our special offers; if you signed up for a free Associate Membership, you have access to all of our services except Fiscal Sponsorship). Some of our services (insurance and fiscal sponsorship, for instance) have extra fees associated with them. But, these fees are much more low-cost than you would encounter if you tried finding the same services on your own, as we've negotiated special rates for our members. We have to charge for these because unfortunately, we can't pay for your insurance and, for services like fiscal sponsorship, you're receiving personalized attention from a consultant. Please keep in mind that to use some services, you need to submit a separate application once you've signed up for membership.
    
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- Membership Levels
  - Are there different levels of membership? What do they signify?
    
    Are there different levels of membership? What do they signify?
    
    Individual and Community Memberships are for one person only -- only the member can use our programs and services. An Organizational Membership is for three people (you can add more to the membership at an additional fee) that are in the same organization. This organization does not need to be an LLC, nor does it need to be any type of established entity. If a group of you want to start a band and call yourselves ABC Rock Stars, then that's your organization, whether officially recognized or not. The members of the organization (beyond the lead member on the account when you sign up) will need to register as Users on the account to be able to use our services (you can do so by having the lead member log into the website, click on Settings, and then on Users). A Community Membership is a free individual membership that allows you access to our healthcare services, the calendar of events, and our special offers. An Associate Membership is a free individual membership that allows you access to all of our services except fiscal sponsorship. To access an Associate Membership, you must be a member of an organization that partners with Fractured Atlas through the Open Arts Network. To browse our Open Arts Network partners, you can visit that section of our website.
    
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  - Can I upgrade/downgrade my membership level?
    
    Can I upgrade/downgrade my membership level?
    
    Certainly, and at any time! Simply contact our office via email or phone to do so. To upgrade, we will ask that you have payment information handy, as we will pro-rate the cost difference between the two membership levels. There is no cost to downgrade levels; you will not receive a refund for any dues already paid.
    
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  - I have an Organizational Membership, but I'm the only one with login information. Can I add users to my account?
    
    I have an Organizational Membership, but I'm the only one with login information. Can I add users to my account?
    
    Yes! Simply log into the website using your username and password, then click on Manage Users under the My Stuff menu at the top of the page. You can add users to your account there.
    
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- Membership Dues/Payment
  - Are Fractured Atlas membership dues tax deductible?
    
    Are Fractured Atlas membership dues tax deductible?
    
    Yes and No. Yes, if you file a Schedule C as an artist/creative professional, you can deduct it as a work-related expense. But no, though we are a 501c3 non-profit organization, membership dues are not a donation to our organization. Therefore, you cannot deduct it as if it were a charitable donation.
    
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  - Can I pay for membership using someone else's credit/debit card?
    
    Can I pay for membership using someone else's credit/debit card?
    
    Yes. However, we ask that you be sure to update this information as necessary. If the person no longer wishes to pay for your membership and your membership dues renew to their card, they aren't going to be very happy.
    
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  - Can I pay my membership dues with funds from my fiscally sponsored fund?
    
    Can I pay my membership dues with funds from my fiscally sponsored fund?
    
    Yes, you definitely can! To do so, please contact our office before your renewal date.
    
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  - How much does membership cost?
    
    How much does membership cost?
    
    A Community Membership (which allows access to healthcare, the calendar, and special offers only) is free. For an Individual Membership, it's $95/year or $9.50/month. For a three-person Organizational Membership, it's $195/year or $19.50/month. If you'd like to have more than three people on your membership, you can add additional members to an Organizational membership at the rate of $25/year or $2.50/month per additional member.
    
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  - I can no longer afford Fractured Atlas, but would like to remain a member. What can I do?
    
    I can no longer afford Fractured Atlas, but would like to remain a member. What can I do?
    
    In some special cases, when warranted, Fractured Atlas staff can approve a free extension of membership. We would hate to lose you, but please understand that we are a non-profit organization and can only offer extensions in special cases. Please contact our our office via email or phone to discuss extension possibilities. You can also consider downgrading to a free Community Membership, though you will lose access to some of our most popular services. But, you would still remain a member of the Fractured Atlas community.
    
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  - I received an email/call that my membership dues didn't go through. What do I do now?
    
    I received an email/call that my membership dues didn't go through. What do I do now?
    
    Your credit card information is either outdated or the card you're using is over its limit. Please call our office with new payment information or update it online by logging in and going to Billing under the My Stuff menu.
    
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  - Will I get a receipt when my dues are paid?
    
    Will I get a receipt when my dues are paid?
    
    Yes. Once your credit/debit card is charged for your membership dues, an email receipt will be sent to the address you have on file with us.
    
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- Member Directory / Public Profile
  - Can I contact the entire Fractured Atlas membership or a select subset of them?
    
    Can I contact the entire Fractured Atlas membership or a select subset of them?
    
    No, unfortunately not. If you'd like to get the word out about an event, simply post it to the Calendar of Events (under the Community menu).
    
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  - How do I contact a specific member?
    
    How do I contact a specific member?
    
    If you can find the member through our Member Directory, you have the ability to contact them by clicking on "Send a Private Message" beneath their Public Profile. An alert that they have a private message will be sent to the email address they have on file with us. Should their email address be current, and should they wish to contact you in return, you will receive an alert in your own inbox stating that the member has replied to your private message. Simply click on the link in the email, log into the website, and you can view the message. As we hold our members' personal privacy sacred, we do not give out member phone numbers, mailing addresses, or email addresses. If you cannot locate a member through our Member Directory and would like to initiate contact with a specific member, please call our office. We can contact the member on your behalf and provide them with your contact information.
    
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  - How do I search for a specific member?
    
    How do I search for a specific member?
    
    By clicking on Member Directory under the Community link at the top of the website, you can peruse information that other Fractured Atlas members have listed in their Public Profiles. You can search by name, artistic discipline, or any other tidbit of information that you're interested in. Please note that not every member has a Public Profile and, if they do, it might not always be updated with recent information. Still, it's a good way to find out about other Fractured Atlas members.
    
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  - How do I upload images into my Image Gallery?
    
    How do I upload images into my Image Gallery?
    
    Each Fractured Atlas member is entitled to set up an Image Gallery with photos of their work (any type of artwork is allowed). To do so, you have to create a Flickr account first at www.flickr.com and then upload your photos to that. Once you have a Flickr account with photos, you can log into our website and go to Member Profile under the My Stuff menu. To add photos, click on the Photos tab and enter your Flickr information. Your Flickr photos will automatically upload in seconds.
    
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  - I just Googled myself and found my name on your website! I don't want it there. How do I remove it?
    
    I just Googled myself and found my name on your website! I don't want it there. How do I remove it?
    
    This is a result of the Member Profile function on our site. To remove your information, simply log into the website and go to My Stuff --> Edit Profile. Remove any information that you do not wish to be public. If you need to change your username, you can do that there as well. Please note, you can only change your username once.
    
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  - What is a Public Profile? How do I create one?
    
    What is a Public Profile? How do I create one?
    
    Each Fractured Atlas member is entitled to set up a Public Profile, which lists general information about themselves and their art. Other members (and non-members) can search and view these profiles. It's a great way to network and make yourself known. If you'd like to create a Public Profile, log into the website with your username and password, then go to the My Stuff menu and click on Member Profile.
    
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- Updating Information
  - Can I switch my membership into someone else's name?
    
    Can I switch my membership into someone else's name?
    
    Certainly. To do so, please have the original member email or call our office with the new member's contact and payment information. There is no cost to do this.
    
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  - How do I update the personal information (including payment and login information) you have on file for me?
    
    How do I update the personal information (including payment and login information) you have on file for me?
    
    The best way is to log into the website (using your username and password) and click on Billing under the My Stuff menu. You can also feel free to call or email our office.
    
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  - I forgot my username and/or password. Help!
    
    I forgot my username and/or password. Help!
    
    Don't worry! Simply click on Login on the website. To the right, you'll see a Forgot Your Password box. Enter the email address you signed up with and your login information will be sent to that email address in about 5-10 minutes. If you're still having problems, give our office a call or send us an email.
    
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- Renewing/Reactivating/Canceling
  - Can I reactivate my membership once I've cancelled?
    
    Can I reactivate my membership once I've cancelled?
    
    Certainly - and at any time! You can do this by clicking on Join at the top of our website and then on Reactivate Membership or by calling our office with your credit/debit card information.
    
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  - How do I cancel my membership?
    
    How do I cancel my membership?
    
    Why would you ever want to leave?! Just kidding! We understand that, because of certain circumstances, you might need to cancel. The best way is to go to www.fracturedatlas.org/cancel and log in when prompted. You can also email or call our office.
    
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  - I didn't approve Fractured Atlas to renew my membership! Why did you do that?!
    
    I didn't approve Fractured Atlas to renew my membership! Why did you do that?!
    
    In the terms and conditions that you read upon signing up, it clearly states that we will automatically renew your membership monthly or annually (depending on what you selected at sign up). If you are paying annually, you will always receive an email notice that your membership is about to renew two weeks before the renewal date. If you didn't receive it, please make sure your email address in our file is up-to-date and your junk mail settings allow all fracturedatlas.org emails through. If you didn't want your membership to renew, please contact our office -- we can terminate your membership and refund the dues that were charged to your card (as long as it's within 90 days of the charge).
    
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  - Will Fractured Atlas alert me when my membership is about to renew?
    
    Will Fractured Atlas alert me when my membership is about to renew?
    
    Yes. If you are paying annually, you will receive an email alert two weeks before your membership renews. If you didn't receive it, please make sure your email address in our file is up-to-date and your junk mail settings allow all fracturedatlas.org emails through. Members who pay monthly do not receive email alerts.
    
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Health Insurance
- The Basics
  - Health Insurance Concepts
    What is a copay?
    
    What is a copay?
    
    A copay is a cost sharing system between you and the insurance company. You pay a flat fee, such as $25 for a doctor's office visit, required at the time any covered medical service is received. The insurance company is responsible for the difference. There may be different copays depending upon type of provider or service.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a deductible?
    
    What is a deductible?
    
    A deductible is the fixed dollar amount you must pay of your own funds each calendar year before your health insurance begins to make payments for covered medical services.
    
    All deductibles reset once a year on January 1. Typically, the higher the deductible, the lower the premiums and vice versa. Deductible amounts usually differ out of network (proving to be higher).
    
    When selecting a plan, you should know what plan benefits are subject to the deductible, and what portion of the cost (set as percentages) is covered by the plan once it has been met. This is typically referred to as coinsurance. If the cost is covered 100% after the deductible, then coinsurance is not applicable. See "What is co-insurance?"
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a formulary prescription?
    
    What is a formulary prescription?
    
    A formulary list is a pre-approved list of preferred generic or brand name prescriptions that is covered under a healthcare plan. The list is determined by the insurance company and may be subject to change at any time.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a full featured plan?
    
    What is a full featured plan?
    
    Full featured plans are also commonly called "traditional" healthcare plans that typically offer comprehensive coverage for a wide range of medical care, services, and treatment. As a result, these plans generally are more expensive as they provide for greater protection from larger medical expenses.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a limited benefit plan?
    
    What is a limited benefit plan?
    
    Quite often called a "bare bones" plan, limited benefit plans provide much lesser benefits than a traditional health insurance plan in exchange for much lower premiums. When considering these plans, it is important to know exactly what types of care or services the plan will or will not pay for and how much coverage it actually provides. These plans usually include pre-existing conditions exclusions.
    
    While the plan administrators of most of these plans are HIPAA compliant (meaning they must follow certain aspects of HIPAA, ie. privacy rights and other regulations), these plans are not considered to be continuous creditable coverage under HIPAA as there are certain qualifications a health plan must meet in order to be considered continuous credible coverage.
    
    As a result, you may be subject to an exclusionary wait period for any pre-existing conditions that existed before your enrollment start date in a full featured healthcare plan, (such as a group or individual plan)if your prior coverage was under a limited benefit plan. The maximum look back period for pre-existing conditions before your enrollment start date may differ upon the insurance carrier and state/federal law.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a medical discount plan?
    
    What is a medical discount plan?
    
    A medical discount plan is not insurance and doesn't pay for any of your costs, but offers reduced rates on eligible services by participating network providers. Reduced rates vary by provider and type of services received. It is your sole responsibility to pay all health bills incurred out of pocket.
    
    While NOT insurance, this provides an affordable alternative for individuals looking to minimize their out of pocket healthcare costs.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is a PPO?
    
    What is a PPO?
    
    PPO stands for Preferred Provider Organization. This is a type of health insurance plan that offers in-network as well as out-of-network coverage. However, out-of-network coverage is typically subject to either a higher deductible or lower co-insurance than in-network, often times both. No referrals are required in order to access care.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is an annual maximum?
    
    What is an annual maximum?
    
    An annual maximum the maximum dollar amount an insurance company will pay over the benefit of a year for all covered expenses.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is an EPO?
    
    What is an EPO?
    
    EPO stands for Exclusive Provider Organization. This is a type of health insurance plan that offers in-network coverage only. Enrollees must select in-network providers when seeking medical care, services, or treatment. No referrals are required in order to access care.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is an HMO?
    
    What is an HMO?
    
    HMO stands for Health Maintenance Organization. This is a health insurance plan that offers comprehensive health services with only modest co-pays and no deductibles or co-insurance. This plan features in-network coverage only. Referrals are required for any specialized medical care or service and are issued by your primary care physician (PCP) as need be.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is an HSA (Health Savings Account)?
    
    What is an HSA (Health Savings Account)?
    
    An HSA is a special type of account that offers tax benefits on money put aside for future medical expenses. Anyone who buys a qualified high deductible health plan (one that meets the requirements the government has determined), qualifies for an HSA.
    
    You enjoy tax-deductible contributions, tax-deferred interest and tax-advantaged withdrawals for qualified medical expenses (these do NOT count towards meeting your deductible) OR for eligible expenses that qualify towards meeting your deductible. See "What is an eligible expense?" and "What is a qualified medical expense?" Unused balances from year to year roll over from year to year.
    
    Please refer to the IRS website for all applicable HSA guidelines which must be adhered to: IRS.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is co-insurance?
    
    What is co-insurance?
    
    Co-insurance is a policy provision under which you and the insurance company share the total cost of covered medical services after the deductible has been met set as fixed percentages.
    
    For illustrative purposes, a particular plan may provide 75/25% coinsurance (after a $2,000 deductible has been met) up to a specified amount called the coinsurance out of pocket maximum (in this case $3,000).
    
    This means that you'll pay the the first $2,000 of covered expenses subject to the deductible. Then, you'll pay 25% of all covered expenses up to the point that you've paid $3,000, (while the insurance company pays 75%). After that, the plan typically pays 100% of covered charges for the remainder of the year on an in network basis, up to the policy maximum.
    
    Please note that coinsurance percentages and coinsurance out of pocket maximums differ out of network with you covering a greater portion of the cost overall. Once met, most policies typically only cover the maximum allowable amount of the usual and customary rate (UCR). You can be balanced billed for the difference. See "What is the usual and customary rate (UCR)?"
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What is the total out-of-pocket maximum?
    
    What is the total out-of-pocket maximum?
    
    The maximum dollar amount that must be met by you out of your own funds during the benefit period, before the insurance company pays 100% of all covered expenses, usually up to an annual or lifetime maximum.
    
    Before this maximum is met, you and the insurance company share the cost of all covered expenses as set by the co-insurance after the initial deductible has been met. The amount is determined by adding your deductible and coinsurance out of pocket maximum together.
    
    For instance, if you have a $3,000 deductible and a coinsurance out of pocket maximum of $5,000, then your total annual expenses is $8,000 for eligible medical benefits. Regular premiums do not count towards meeting the maximum out-of-pocket total.
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
    
    What should I look for when evaluating health insurance choices and choosing the right plan for me?
    
    What should I look for when evaluating health insurance choices and choosing the right plan for me?
    
    Although everyone's individual needs are different, there are key factors that you should look at when making a fully informed choice for one plan over another. Here are several key questions you should ask yourself when looking over your healthcare options.
    
    When looking over your healthcare options, ask yourself:
    
    How all-inclusive do I want coverage of healthcare services to be?
    
    How much am I willing to spend on premiums?
    
    What type of healthcare plan is this, ie. a medical discount plan, limited benefit plan, or a full featured plan?
    
    Is it a group plan or an individual health insurance policy?
    
    Is this plan considered to be continuous credible coverage under HIPAA?
    
    You should also make separate checklists and see what type of benefit coverage each plan offers for the following:
    
    Preventative Care
    
    Care by Specialists
    
    Hospitalization
    
    Emergency Care
    
    Prescriptions
    
    Mental Healthcare
    
    For each one, find out how much is your responsibility to pay or what circumstances, if at all, apply, before the plan begins to cover for each type of care or treatment. For instance:
    
    What co-payments must you pay for certain types of services?
    
    Are there any deductibles that must be met by you before the insurance starts to cover the cost?
    
    If the deductible is met, what portion of the cost is paid by the plan?
    
    How much will you have to pay if you go out-of-network?
    
    Are there any limits to how much the insurance company pays over a given benefit period, for instance over a year or a lifetime?
    
    After you’ve done that, you are now ready to ask yourself: Is there a complimentary fit between what is provided under any particular plan and what you think you’ll need?
    
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    Don't sue us! Fractured Atlas is not an insurance company. We're also not lawyers, brokers, agents, doctors, or anyone else qualified to give professional advice. We try our best to be helpful, but take anything written here with a handful of salt.
  - HIPAA Rules
    How would health insurance providers know if I have a pre-existing condition?
    
    How would health insurance providers know if I have a pre-existing condition?
    
    Once coverage begins under any given health plan, any claims filed by you may be investigated as a possible pre-existing condition. Depending on state law, insurers can look back months or even years to see if the condition existed before your enrollment.
    
    If evidence is found, insurers can deny any claims or benefit coverage for that condition and all care/treatment related to it. However, only in the case of HIPAA qualified creditable coverage group health plans, the maximum look back period is six months.
    
    *States also differ upon which standard is used in defining a "pre-existing condition." Some states use the "objective standard," which defines a "pre-existing condition" as anything for which you've received medical advice, diagnosis, care, or treatment.
    
    Conversely, most states support a much broader definition based on the "prudent person" standard. Under this standard, a "pre-existing condition" also includes anything may not been diagnosed, but showed symptoms for which an "ordinarily prudent person" would have sought medical advice, diagnosis, care, and treatment.
    
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    I've had a medical condition in the past. Can my plan deny coverage under the claim that it's a pre-existing condition?
    
    I've had a medical condition in the past. Can my plan deny coverage under the claim that it's a pre-existing condition?
    
    Under HIPAA qualified continuous creditable coverage group health plans, it would in all actuality be dependant upon whether or not you had received any type of medical advice, care, or treatments within a six month period prior to the effective start date of your enrollment.
    
    If it has been longer than six months since you've received any medical advice or care related to that condition, then it cannot be subject to a pre-existing condition exclusionary wait period. *This is not applicable to individual health insurance policies.
    
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    If I get coverage as a sole proprietor or self-employed individual, how does this differ from a group health plan or an individual plan?
    
    If I get coverage as a sole proprietor or self-employed individual, how does this differ from a group health plan or an individual plan?
    
    Technically, this depends upon state law and the insurance carrier. For instance, in NY, individuals are eligible for "group coverage" as a sole proprietor. Essentially, under NY state law, sole proprietors are enrolling in group coverage as a "group of one." Fractured Atlas' current NY HIP plans are full featured plans specifically designed for creative independent workers.
    
    These differ from individual health policies which are not considered to be group coverage, and as such, are subject to state laws while group coverage are subject to state and federal laws, including HIPAA.
    
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    What does not qualify as creditable continuous coverage under HIPAA?
    
    What does not qualify as creditable continuous coverage under HIPAA?
    
    In most cases, limited benefit plans and medical discount programs are not considered to be creditable continuous coverage and should not be mistaken for major medical or full featured plans.
    
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    What is a pre-existing condition and what's the difference between the "objective standard" and the "prudent standard" of the definition of a pre-existing condition?
    
    What is a pre-existing condition and what's the difference between the "objective standard" and the "prudent standard" of the definition of a pre-existing condition?
    
    A pre-existing condition is a medical condition or healthcare problem that existed before enrolling in a healthcare plan. The "objective standard" of the definition states that a pre-existing condition is anything for which you've received medical advice, care, diagnosis and treatment prior to your enrollment.
    
    By contrast, the "prudent standard" of the definition states that a pre-existing condition is any condition for which symptoms were present although medical advice, care, diagnosis, or treatment may not have been received prior to enrollment. Under the "prudent standard," an "ordinarily prudent" individual surely would have sought medical advice, care, diagnosis, or treatment for any symptoms that were present prior to enrollment.
    
    Most states implement the prudent standard of the definition.
    
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    What is a pre-existing condition, as defined under HIPAA?
    
    What is a pre-existing condition, as defined under HIPAA?
    
    A pre-existing condition is anything for which medical advice, diagnosis, care, or treatment was recommended or received within six months before the effective start date of enrollment in a group healthcare plan. Under the law, group health plans may not impose an exclusionary wait period for pre-existing conditions longer than 12 months (or 18 months for late enrollees). *This is not applicable to individual health insurance policies.
    
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    What is a state high risk pool?
    
    What is a state high risk pool?
    
    State high risk pools are state programs that offer health insurance to "uninsurable" individuals who are unable to obtain health insurance coverage through a group plan, are ineligible for Medicaid/Medicare, and cannot afford an individual health insurance policy.
    
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    What is and qualifies as creditable coverage under HIPAA?
    
    What is and qualifies as creditable coverage under HIPAA?
    
    Creditable coverage is defined as certain types of prior health insurance coverage that may qualify in order to shorten or waive a pre-existing condition waiting period. This includes most comparable group healthcare plans, in certain cases, individual health insurance policies, Medicaid, Medicare, COBRA, state health benefits risk pools, the Peace Corps Act, or public healthcare plans.
    
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    What is HIPAA?
    
    What is HIPAA?
    
    HIPAA stands for the Health Insurance Portability and Accountability Act. This is a federal law that offers you certain protections when transferring your healthcare coverage from one plan to another, limits exclusions for pre-existing conditions, includes provisions that address privacy and security of health data, and prohibits discrimination against you based on your health status, disability, medical history, or genetic information.
    
    *All aspects of HIPAA regulation may not be applicable to individual health insurance policies.
    
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    What is the difference between individual health insurance plans and group health plans?
    
    What is the difference between individual health insurance plans and group health plans?
    
    A group health plan covers a group of people and is subject to state and federal law. Group plans are traditionally offered by employers, unions, and trade and member associations. Individual health insurance plans are subject to state laws which differ from state-to-state. When considering individual health insurance plans, ask yourself the following questions:
    What are the rules and regulations for individual health policies in my state?
    Am I a "HIPAA eligible" individual and if so, is this individual policy applicable to HIPAA rules and regulations?
    
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    What types of healthcare plans are not subject to HIPAA and why?
    
    What types of healthcare plans are not subject to HIPAA and why?
    
    HIPAA is a federal law that applies to group health plans and is enforced by the Secretary of Labor. Private health insurance, on the other hand, is state regulated. Therefore, the individual health insurance market must adhere to all state rules and regulations of any given particular state. All state rules and regulations differ from state to state and exclusions may apply as appropriate.
    
    Individual health insurance policies or state high risk pool plans are not subject to HIPAA except in the case where it grants access to individual healthcare policies for "HIPAA eligible" individuals only.
    
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    When would I be subject to an exclusionary wait period for pre-existing conditions under HIPAA continous creditable coverage, such as a group health plans?
    
    When would I be subject to an exclusionary wait period for pre-existing conditions under HIPAA continous creditable coverage, such as a group health plans?
    
    You may be subject to an exclusionary waiting period for pre-existing conditions if any of the following conditions apply:
    
    You are not currently insured but sought medical advice, care, or treatment within the last six months before the effective start date in any given health insurance plan
    
    If you were previously insured, but there's been a gap in coverage longer than 63 days
    
    You currently are insured, but your current health insurance plan does not qualify as creditable coverage
    
    *Note: Group health plans may not impose a pre-existing condition exclusionary waiting period for pregnancy whether or not the woman had previous health coverage.
    
    In addition, a pre-existing exclusionary wait period may not be applied to newborns, newly adopted children or children placed for adoption under 18, as long as the child was covered within 30 days of the date of birth, adoption or placement for adoption and provided there was no significant break of coverage longer than 63 days.
    
    *This is not applicable to individual health insurance policies.
    
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    Who qualifies as a "HIPAA eligible" individual?
    
    Who qualifies as a "HIPAA eligible" individual?
    
    "HIPAA eligible" individuals must have exhausted all options for coverage under any group plan and must meet all of the following criteria:
    
    Have had continuous coverage for a minimum of 18 months with the most recent period under a group health plan without a significant break in coverage of more than 63 days in a row.
    
    Have been offered the option for continuation of COBRA coverage, and have elected and exhausted it, or are ineligible for continuation of COBRA coverage altogether, or other similar state programs
    
    Did not have their group coverage terminated because of nonpayment of premiums or fraud
    
    Are not eligible for coverage under another group plan, Medicaid, or Medicare.
    
    In this case, only applicable individual health policies or state high risk pool plans may not exclude coverage for pre-existing conditions nor turn down an application for coverage only if all of the criteria is met as a "HIPAA eligible" individual and the individual applied within 63 days of the last date of coverage under a group plan.
    
    Individual market carriers may elect their two most popular individual health policies or "representative plans" for "HIPAA eligible" individuals. These are the only plans that may not impose pre-existing condition exclusions, but HIPAA does not limit premium rates on these individual policies.
    
    *Note: all "HIPAA eligible" individuals must apply to the appropriate entity as mandated by their state of residency. For instance, some states guarantee access to healthcare for "HIPAA eligible" individuals to high risk pools only, while other states guarantee access to all individual markets carriers, or both.
    
    Individual market carriers may impose a wait period for pre-existing conditions or deny coverage to "HIPAA eligible" individuals if access to non-group healthcare is provided by state high risk pools only.
    
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- Fractured Atlas Healthcare Plans
  - HIP Plans (NY Only)
    Can I change coverage at any time during the year?
    
    Can I change coverage at any time during the year?
    
    If you'd like to switch your current plan to an alternate HIP plan, you can only do so once a year during the renewal period. The renewal period for all Fractured Atlas HIP plans occurs in May with an effective date of June 1st for all changes, regardless of your enrollment start date.
    
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    How can I add a dependant?
    
    How can I add a dependant?
    
    You can add a dependant by logging in and downloading the HIP application. However, the entire application need not be resubmitted with tax documents.
    
    Please fill out the Subscriber/Member Enrollment form of the application and submit within 30 days of the date of the qualifying event (ie. Marriage, Birth of a child, Adoption of a child)along with appropriate documentation, ie. marriage certificate, birth certificate, and so forth.
    
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    How can I locate providers?
    
    How can I locate providers?
    
    Please visit HIP.
    
    Click member and enter HIP Id card(click non-member if you're not a current enrollee)to search for hospitals or specialists. (When searching for doctors, you should search under specialists in order to receive accurate search results. On the website, most doctors are listed under the category of specialists as opposed to PCPs (Primary Care Physicians.) You can later under the specialty of Family Practice,General Practice,Internal Medicine, or Preventive Medicine).
    
    Select the appropriate plan: HIP Select PPO or HIP Prime. Select the network: Prime. The network is Prime for all 3 plans available through Fractured Atlas.
    
    You can then further narrow your search for doctors by name, type of specialty city & state, zip-code, gender, etc.
    
    Still having trouble? You can call HIP directly at 1-800-HIP-Talk to search for providers in your area over the phone.
    
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    How do I terminate?
    
    How do I terminate?
    
    In order to terminate, you must submit a request in writing including the following: date, name, social security number, effective date of termination (which must always be the last day of the month), and signature. Fax the letter to Fractured Atlas at 212-277-8025.
    
    A request for termination must be received no later than the 1ST of the effective month of termination. For instance, a request for termination as of August 31st, must be received no later than August 1st.
    
    Terminations cannot be made retroactively and we are unable to issue refunds for coverage.
    
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    If I don't pay, what happens?
    
    If I don't pay, what happens?
    
    If your monthly premium is not received by the 1st of the month, there is a 30-day grace period. If you have not paid in full within 30 days, your coverage will be terminated for nonpayment. The effective date of the termination will be the last day of the last month for which you paid.
    
    For instance, on July 5th, you’ll receive your bill for September coverage for which payment is due on August 1st. if payment is not received by the end of the grace period, August 31st for September coverage, the effective termination date is August 31st.
    
    Note: if your coverage is terminated for nonpayment, you will be ineligible to re-enroll for 12 months.
    
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    What are the eligibility requirements for HIP?
    
    What are the eligibility requirements for HIP?
    
    You must be a Fractured Atlas member and live in New York City, Long Island, Westchester, Rockland or Orange Counties.
    
    You also must be able to document self-employed or sole proprietorship status. Qualifying documentation includes one of the following:
    
    A signed copy of last year’s tax return (complete 1040 with Schedule C or Schedule SE) or
    
    A signed copy of last year’s tax return complete 1120S with Schedule K-1 or 1065 with Schedule K-1 (for partnerships with only 1 person working 20 or more hours) or
    
    A new business certificate, and SS-4 with EIN (Employer Identification Number), and a letter from a CPA stating all of the following: name, EIN, the date the business was effective, when and what type of income tax forms are expected to be filed in the next year.
    
    Please see "What is a new business certificate and EIN and how do I apply for one?
    
    *Note: there is no income level requirement that has to be met.
    
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    What are the main differences between HIP Select PPO Plan #1 and HIP Select PPO Plan #2?
    
    What are the main differences between HIP Select PPO Plan #1 and HIP Select PPO Plan #2?
    
    HIP Select PPO Plan #1 and #2, differ in following way:
    Prescription Coverage
    
    On PPO #1, generic prescription drugs are only subject to a $10 co-pay after a $100 annual deductible (formulary required, meaning it must be a preferred generic prescription on a preapproved list of medications covered by HIP). Brand names and nonformulary prescriptions (even if generic) are NOT covered versus
    
    On PPO #2, generic prescription drugs are subject to a $20, brand names $30, and nonformulary prescriptions $50 after a $300 annual deductible
    
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    What is HIP's customer service number?
    
    What is HIP's customer service number?
    
    You may call HIP directly with any questions at 1-800-HIP-Talk.
    
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  - HealthFlex 2000 (NY Only)
    How can I locate providers?
    
    How can I locate providers?
    
    Please visit Multiplan.
    
    Click "Search for a Doctor"
    
    Click the Multiplan PPO logo for the logo included on the front of the card (No need to select the logo on the back of the card)
    
    You can further narrow your search result by type of specialist, zip-code, etc.
    
    Note: It is very highly recommended that you call and verify the providers continued participation in the network when scheduling appointments. Although not required, you should also call HealthFlex at 631-424-2400 to verify and pre-approve the provider's network participation.
    
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    How do I terminate?
    
    How do I terminate?
    
    In order to terminate, you must submit a letter stating the fact that you are requesting termination including: date, name, social security number, effective date of termination, and signature.
    
    You must fax the letter directly to HealthFlex/Infinity Administrators to: 631-424-2464. Your request must be received by the 1st of the current month in order not to be billed for the following month. The request must include your signature or it will not be considered to be valid. Keep a copy of the request AND fax confirmation for your records in case it was not processed correctly and you are continued to be billed. In this way, you have some form of documentation of sending your request. Finally, check your bank statements just to be sure it went through ok.
    
    Note: In order to terminate GHI, please call their direct customer service line: 212-501-4444. Enter Option 1 then Option 2, then do NOT enter any more information. Your call will be transferred to a LIVE representative within about 1-2 minutes (otherwise you may get stuck navigating the automated system!)
    
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    What is GHI's customer service number?
    
    What is GHI's customer service number?
    
    You may call GHI directly at 212-501-4444. Enter Option 1 then Option 2, then do NOT enter any more information. Your call will be transferred to a LIVE representative within about 1-2 minutes (otherwise you may get stuck navigating the automated system!)
    
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    What is HealthFlex's customer service number?
    
    What is HealthFlex's customer service number?
    
    You may call HealthFlex directly at 631-424-2400.
    
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  - HealthAssist
    How can I locate providers?
    
    How can I locate providers?
    
    Please visit Galaxy Health Network.
    
    Click Physician or Facility under the MSC (Medical Savings Card) logo
    
    You can narrow your search by type of specialist/facility, zip-code, etc.
    
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    How do I terminate?
    
    How do I terminate?
    
    In order to terminate, you must submit a letter stating the fact that you are requesting to termination including: date, name, social security number, effective date of termination, and signature.
    You may either fax the letter directly to HealthAssist at 602-328-3993 or email it to: tempassist@cignavoluntary.com
    
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  - ScriptSave
    How can I find out the price of a prescription ahead of time?
    
    How can I find out the price of a prescription ahead of time?
    
    Call ScriptSave directly at 1-800-700-3957 and reference group #567. Have the following information on hand:
    
    Prescription name
    
    Strength
    
    Quantity
    
    Pharmacy/location
    
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    How can I find participating pharmacies?
    
    How can I find participating pharmacies?
    
    Please visit http://www.scriptsave.com/lp_cardholders.aspx
    Enter your zip-code
    
    You can then expand your search results by choosing the number of pharmacies you'd like to be displayed
    
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Fiscal Sponsorship
- Getting Started
  - Am I required to do anything to keep my fiscal sponsorship?
    
    Am I required to do anything to keep my fiscal sponsorship?
    
    You are required to pay your membership dues and complete all required Annual Reports (explained below).
    
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  - Are there any fees associated with FS?
    
    Are there any fees associated with FS?
    
    There is no fee to apply for fiscal sponsorship but we do charge a 6% administration fee on all funds released. This nominal fee covers the overhead expenses associated with managing a program of this complexity. An important note about fees: In cases where Fractured Atlas is charged a fee by a vendor that is associated with your fund, we must pass that fee along to you. Our staff will contact you if a situation like this occurs. Also, in certain cases, we may need to charge additional fees related to grants administration - those are explained in the Applying for Grants FAQs section below.
    
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  - Can a foreign artist or arts organization participate in your fiscal sponsorship program?
    
    Can a foreign artist or arts organization participate in your fiscal sponsorship program?
    
    Yes! We can sponsor any entity (meaning an individual or a business) that has a United States IRS issued TIN (Taxpayer Identification Number) AND a valid U.S. mailing address that is checked frequently. As long as you are set up to pay taxes and receive mail, you can join our sponsorship program.
    
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  - How long does my fiscal sponsorship stay active?
    
    How long does my fiscal sponsorship stay active?
    
    Your sponsorship will exist in perpetuity as long as your membership remains current. You may terminate your sponsorship at any time as long as you have completed any required Annual Reports.
    
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  - Is your fiscal sponsorship program exclusive?
    
    Is your fiscal sponsorship program exclusive?
    
    No! We do not operate an exclusive fiscal sponsorship program; however, some other fiscal sponsors do, so always be sure to ask when inquiring about their program.
    
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  - What happens if I don't raise enough money to produce my project ? do you give the money back to my donors or can I have it?
    
    What happens if I don't raise enough money to produce my project ? do you give the money back to my donors or can I have it?
    
    Legally, we are required to ensure that donations made in a project's behalf are used towards those activities. We are a charity and we have certain responsibilities to donors and to the IRS to fulfill a donor's expectations of how a gift will be used once a donation has been made. If a project cannot fulfill its plans, we suggest that you use any funds you have raised to cover all associated project expenses (even if it didn't yield a finished product, there are usually expenses incurred along the way that you can use your funds to pay). We cannot simply cut a check to you without a project related expense listed as the purpose for those funds.
    
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  - What is Fiscal Sponsorship?
    
    What is Fiscal Sponsorship?
    
    We give a good, general explanation of it on the main fiscal sponsorship page. To dig a little deeper, technically fiscal sponsorship is what is called a "re-grant" program. This means that an individual or a foundation grants money for a sponsored project to Fractured Atlas which then "re-grants" the money to a sponsored project for project related expenses. One reason fiscal sponsorship exists is because most private Foundations are unable to make grants directly to individuals. Public charities (like Fractured Atlas), on the other hand, are generally able to give grants directly to individuals. Hence, fiscal sponsorship allows a Foundation to grant the money to a charity sponsoring a project they want to support that is lacking its own exempt status and then the charity can re-grant that money to the project.
    
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  - What's the difference between FA membership and fiscal sponsorship?
    
    What's the difference between FA membership and fiscal sponsorship?
    
    You must be a member of Fractured Atlas to take advantage of our services and programs. Since fiscal sponsorship is one of our programs, you must be a member to use it. Please note that Associate Members are restricted from using our fiscal sponsorship program. If you are an Associate Member of Fractured Atlas, you will need to upgrade your membership to a Full Membership in order to apply for fiscal sponsorship. Any questions regarding your membership can be directed to our staff.
    
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- The Application Process
  - Can I change my project name after I get sponsored?
    
    Can I change my project name after I get sponsored?
    
    We can change your project title anytime just contact our staff and send us the new title.
    
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  - Can I change the legal entity responsible for the fund?
    
    Can I change the legal entity responsible for the fund?
    
    Yes! At anytime we can transfer the responsibility from one entity to another. If you wish to do this, please contact our program staff who will draft the necessary paperwork to initiate this.
    
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  - Can I have multiple projects fiscally sponsored?
    
    Can I have multiple projects fiscally sponsored?
    
    You can only have one fiscally sponsored project PER membership at Fractured Atlas. If you wish to get more than one project sponsored, you will have to join Fractured Atlas a second time and set up two membership accounts rather than just one.
    
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  - For those applications that are turned down, what are the reasons they're turned down?
    
    For those applications that are turned down, what are the reasons they're turned down?
    
    Applications are denied for two reasons: 1.it is not a clearly defined artistic project OR 2.the project is being produced PRIMARILY for commercial gain (i.e. buckets of cash for private benefit) rather than for altruistic and artistic purposes. This is a fine line and our staff will always contact an applicant whose application contains any "red flags" to discuss the project and amend the application if warranted.
    
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  - How do I file a tax return for the money you disbursed to me?
    
    How do I file a tax return for the money you disbursed to me?
    
    The money we disburse to you should be reported on the appropriate tax return for the Individual or Company that you list as the Legal Entity responsible for the fund in your original application. We strongly suggest that you consult a tax professional with questions regarding your tax responsibilities as they differ according to whether you are operating as a Sole Proprietor, an LLC, a corporation, etc.
    
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  - How long does it take to get sponsored?
    
    How long does it take to get sponsored?
    
    It depends on when you apply, but the longest possible turnaround time is about 5 weeks. Applications are accepted on an ongoing basis and the monthly deadline is the last day of each month. Our Board reviews applications at the beginning of the following month and we issue approvals no later than the 15th of the following month for the pending applications. For example: I apply for sponsorship on Feb. 1st, the Board meets in early March so I would be accepted into the program no later than March 15th ? this would be the longest possible range of time that it would take to get sponsored.
    
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  - Should I apply for fiscal sponsorship for my project or my organization?
    
    Should I apply for fiscal sponsorship for my project or my organization?
    
    It really depends on the type of work you do and your short and long term goals. If you want your fund to support all of your organization's activities as opposed to one specific project, then you should apply as an organization. If you are in doubt about which is best for you, please feel free to contact our staff to discuss your situation.
    
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  - What do you mean by a "legal entity" associated with the fund?
    
    What do you mean by a "legal entity" associated with the fund?
    
    Any income we disburse is taxable income under the IRS code; therefore, we need a legal entity on file that is responsible for reporting the income we disburse to the IRS. Our staff can answer any questions that are case-specific to your particular situation.
    
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  - What if I want to change my sponsored project?
    
    What if I want to change my sponsored project?
    
    If you want to produce a totally different project, we can "expire" your current project and allow you to apply for a new project. If you want to expand your current sponsorship to include additional activities that were not in your original application, that will most likely require what we call an "expansion" application to be put before our Board of Directors. Applications for expansion can be submitted online. Please contact our staff to submit an expansion application.
    
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  - What kind of information do I need to complete your fiscal sponsorship application?
    
    What kind of information do I need to complete your fiscal sponsorship application?
    
    Our application is very simple and it asks the following questions: 1. Name of Legal Entity Responsible 2. Type of Legal Entity Responsible (choose one): Individual/Sole Proprietorship Informal Group with an EIN Corporation Limited Liability Company General/Limited Partnership 3. Social Security Number or Employee Identification Number for the Legal Entity 4. Project Title 5. Project Discipline 6. Temporary or Ongoing 7. Project Description (For temporary sponsorship you would describe a single project; For ongoing sponsorship give a general description of the kind of work you create or various projects you plan to fund) 8.Online Profile Text and Website Link (All sponsored projects are profiled on our website - this should be a general description of you as an artist or of your group. You will be able to update this section at your discretion) 9.Summary of Artist Qualifications/ Group history 10. Budget and Fundraising Goals 11. Fundraising Sources-, if any.
    
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  - What kind of projects do you sponsor?
    
    What kind of projects do you sponsor?
    
    We sponsor any program or activity that is primarily artistic in nature. If you define it as art, we welcome your application.
    
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  - What percentage of fiscal sponsorship applications do you approve?
    
    What percentage of fiscal sponsorship applications do you approve?
    
    The philosophy guiding our program is to be as inclusive as possible since you never know where the next Van Gogh, Mozart or Shakespeare will come from. We generally approve about 99% of the applications we receive.
    
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  - Why is money disbursed from my fund considered taxable income by the IRS?
    
    Why is money disbursed from my fund considered taxable income by the IRS?
    
    Because they make the rules and they have determined that any grants or re-granted monies are taxable under the law.
    
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- Donations
  - Can I accept donations before I'm officially approved for sponsorship?
    
    Can I accept donations before I'm officially approved for sponsorship?
    
    Absolutely not (sorry!). None of our projects are allowed to begin soliciting donations until the actual date that the Board issues an approval. Fractured Atlas can get in big trouble if projects start raising money before they are officially part of our program which is why it is never allowed under any circumstances.
    
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  - Can you accept donations of stock, bonds or other cash equivalents?
    
    Can you accept donations of stock, bonds or other cash equivalents?
    
    We can accept these donations they just involve a little more work than a normal gift. If you have a donor who wants to make a donation of this kind, please contact our staff directly to begin the procedure.
    
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  - Can you accept donations in the form of actual currency?
    
    Can you accept donations in the form of actual currency?
    
    Unfortunately, the answer is NO. We cannot accept and process donations in the form of hard currency for this reason: there is no way to certify that the person we are issuing the receipt to is actually the donor without the paper trail that a check provides. We must be very strict about this since we can get in big trouble with the IRS if we issue receipts to donors who didn't actually contribute to us.
    
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  - Do you ever refund donations?
    
    Do you ever refund donations?
    
    Under the IRS code, a charity is rarely if ever required to return a donation for any reason. That being said, occasionally donors give twice accidentally through our website. Our staff can usually tell when this has occurred given our internal controls. In the case of a duplicate donation, we are always willing to refund that transaction. In cases where we suspect a duplicate transaction, we will contact the donor and inquire about their intentions. Once we get confirmation from them (in writing) of the intended gift amount, then we can refund one of the donations and adjust our records.
    
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  - Does Fiscal Sponsorship provide eligibility to receive matching gifts from corporations?
    
    Does Fiscal Sponsorship provide eligibility to receive matching gifts from corporations?
    
    YES, in most cases, we can accept and process matching gifts from businesses whose employees make a contribution to us in behalf of your project. However, matching gift programs have their own rules about the charities and programs they will support and their rules trump our willingness to accept the gift. Any specific questions about how to process a matching gift can be directed to our program staff.
    
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  - Does Fractured Atlas help me raise money for my fund?
    
    Does Fractured Atlas help me raise money for my fund?
    
    It is the responsibility of each project to raise their own money but we do provide helpful fundraising templates to use when starting out and our staff is always available to answer your questions. Through our Professional Development program, we also offer a free online workshop about fundraising and individualized, private fundraising services (which are available for a fee).
    
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  - How do people donate online by credit card?
    
    How do people donate online by credit card?
    
    We provide a secure, credit card donation page on our website which will accept donations made via Visa, Mastercard, American Express, and Discover cards. Each sponsored project is given a unique URL to distribute to donors who wish to donate online through our website. Several versions of a project's unique URL can be found by logging into the website, visiting the Manage Fund page and choosing the Online Donations tab. When donations are made via our website, projects and donors are not required to complete any additional forms.
    
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  - How do you process donations made by check?
    
    How do you process donations made by check?
    
    The basic process is this: Donors make checks payable to Fractured Atlas and send them to YOU for initial processing. We have developed an online donation report form and this is used by our projects to register the donations they have received. Once you register your donations in our online form, you can send the checks to our office for final processing. We generate receipts for every donation we receive, even though legally we are only required to send acknowledgments for donations of $250 or more. We do require an internal form called a Major Gift letter for any donations that are $1000 or more and this is always available to our projects as a downloadable PDF from our website.
    
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  - What are the IRS restrictions regarding the tax deductibility of donations?
    
    What are the IRS restrictions regarding the tax deductibility of donations?
    
    Fully Deductible: When a donor gives money to a charity and receives NOTHING in exchange for the gift, that deduction is fully tax deductible under the law. Partially Deductible: When a donor gives money to a charity and receives GOODS OR SERVICES in exchange (like a performance, a reception, a DVD, a t-shirt), s/he is only entitled to a tax-deduction for the amount that was overpaid. In these cases, it is generally the recipient organization's responsibility to estimate the "net contribution". Sometimes Deductible: When a donor gives tangible goods (aka: physical property something you can touch) the donation is tax-deductible based on the donor's estimate of the item's value. Office supplies, equipment, etc. are included in this category. NOTE: Fractured Atlas cannot accept or process vehicle donations (although a car does qualify as a tangible item). Never Deductible: When a donor gives pro-bono services (like fundraising, legal advice or graphic design) these are NOT considered tax deductible under the IRS code. Free rent of any kind is considered a SERVICE and as such, donations of space are also NOT a tax deductible gift. Our staff is always available to answer questions regarding donation deductibility - just contact us.
    
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  - What happens if a donation check bounces?
    
    What happens if a donation check bounces?
    
    It rarely ever happens, but in the case that is does, the donation amount will immediately be reduced from the sponsored fund and we will also deduct any bank fees we incur from the bounced check. When this happens, we will contact the project to alert them to the situation immediately.
    
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  - What happens if a donation made via credit card is disputed by the donor?
    
    What happens if a donation made via credit card is disputed by the donor?
    
    Our procedure is to contact the donor and ask them to revoke the dispute. In most cases, when we explain what happened (that the credit card statement lists our name instead of the actual project name because we are the charity), most donors will revoke the dispute which resolves the situation. If a donor does not withdraw the dispute, then it goes badly for the sponsored project. It rarely ever happens, but in the case that is does, the donation amount will immediately be reduced from the sponsored fund and we will also deduct any additional fees we incur from the credit card merchant company we use to process online donations. When this happens, we always contact the project to alert them to the situation.
    
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  - What is a "noncash" donation ? is it the same as an "inkind" donation?
    
    What is a "noncash" donation ? is it the same as an "inkind" donation?
    
    Any kind of item or service can be donated in-kind. Donations of tangible goods (meaning something you can touch) are considered NONCASH donations by Fractured Atlas. We can accept almost any type of donated noncash item in a project's behalf and issue a receipt to the donor for the item. The one restriction on this is vehicle donations we do not have the internal facilities to process vehicle donations in accordance with the IRS regulations. Donations of intangible services (like pro-bono accounting/legal help or free rent of any kind) are considered INKIND donations by Fractured Atlas. These donations are very valuable but are not tax deductible under the law and therefore, we cannot issue a receipt for donations of pro-bono services or free space.
    
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  - What kind of information can I get about my fund & donors?
    
    What kind of information can I get about my fund & donors?
    
    We provide each project with a Donation History page, which contains a sortable list of your entire history of donors, the date and amount they gave. On this page, you can view the donor's contact information but you cannot edit it. If you notice an incorrect address in your donation history, simply contact our staff with the correct information and we will update our records.
    
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- Using Funds
  - How do I pay for my expenses?
    
    How do I pay for my expenses?
    
    You can request funds to reimburse yourself or anyone else who has paid for a project related expense by submitting a Fund Release Request right through our website. You can request funds before paying an anticipated expense or as a reimbursement for an expense already incurred. We can issue checks to anyone you want a vendor, an independent contractor or yourself. We can also issue fund releases directly into your bank account by electronic funds transfer.
    
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  - How long do I have to wait before my funds are available?
    
    How long do I have to wait before my funds are available?
    
    Funds are available one week after the date they were processed. If you are wondering when your recently processed donations will be available, just check your donation history and add 7 to the date listed on the donation to determine when those funds will be available.
    
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  - How long does it take to get money out of my fund?
    
    How long does it take to get money out of my fund?
    
    We issue fund release checks weekly. Once you have funds available and you submit a fund release request, the pending fund release check will be issued no later than one week after the request was submitted.
    
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  - If I have to return a fund release check to my fund, do you refund the 6% administrative fee?
    
    If I have to return a fund release check to my fund, do you refund the 6% administrative fee?
    
    Unfortunately, we never refund the administrative fee once a check has been issued. The administrative fee covers our operating expenses and when a check gets returned to the fund for any reason, it creates more administrative work for us. If a check simply needs to be replaced and reissued, you will not be charged an additional administrative fee when we reissue the check.
    
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  - What happens to the unused money in my sponsored fund if I terminate my membership?
    
    What happens to the unused money in my sponsored fund if I terminate my membership?
    
    Once a project terminates, any final fund release requests must be submitted to Fractured Atlas for qualified, project related expenses within 20 business days of the termination date in order to release the funds. Funds that are left in a terminated sponsored fund for longer than 20 business days after the termination date will be redirected into Fractured Atlas' Microgrants Fund (our fund that we use to award grants to members).
    
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  - What if someone doesn't receive a check that you sent them from my fund?
    
    What if someone doesn't receive a check that you sent them from my fund?
    
    We can always stop payment and reissue a replacement check you just need to contact our staff and request a replacement. You will not be charged an additional administrative fee when we reissue the check.
    
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  - Why do I have to ask you for my money and list a reason for the expense in the fund release request form? Can't you just give me my money every time a donation is received?
    
    Why do I have to ask you for my money and list a reason for the expense in the fund release request form? Can't you just give me my money every time a donation is received?
    
    Fiscal sponsorship operates in a very gray area of the tax code, and while the IRS usually turns a benign blind eye to well-intentioned programs, people do occasionally get into trouble. The danger with the "direct pass-through approach" is that it borders on money laundering. That may sound extreme, but think about it from the view of the IRS. In order to claim a tax-deduction, someone contributes money to a 501(c)(3) corporation. That corporation in turn immediately hands over those funds to a non-exempt entity, without exercising any meaningful supervision to ensure that the funds are spent in a manner consistent with its IRS-approved tax-exempt charitable mission. The 501(c)(3) may technically be the recipient of the contribution, but the non-exempt entity is the de facto recipient, and therefore the contribution isn't really tax-deductible.
    
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- Accounting and Banking
  - Can you transfer funds directly into my bank account?
    
    Can you transfer funds directly into my bank account?
    
    Yes, we can automatically transfer money to you bank account like with direct deposit. Electronic fund releases take 1-3 business days to show up in your bank account once released from Fractured Atlas. Your bank account must be in the United States in order to get set up for electronic fund transfers from Fractured Atlas.
    
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  - How can I get a business bank account if I am not yet incorporated as a business?
    
    How can I get a business bank account if I am not yet incorporated as a business?
    
    It will depend on the bank, but in our experience, filing a Certificate of Assumed Name (aka DBA Doing Business As) with your County Clerk's office is usually enough for an individual who has not incorporated a business to open a business bank account. FA strongly recommends that all sponsored projects set up a separate bank account for their business activities as it makes tax reporting easier and establishes a financial history for the project/company.
    
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  - What is an EIN and do you need one to apply for sponsorship?
    
    What is an EIN and do you need one to apply for sponsorship?
    
    An EIN stands for Employee Identification Number. EINs are issued by the IRS as a way to track the income related to business activities. It is like a Social Security number for a business rather than a person. An EIN is not required to apply for fiscal sponsorship. If you plan to incorporate your business, you may want to consider getting an EIN since that is the first step towards forming a company. Getting an EIN is not enough to open a business bank account as was once the case and before you get one, we suggest you contact an attorney or an accountant.
    
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- Reporting Requirements
  - What is an Annual Report and why do I have to file one?
    
    What is an Annual Report and why do I have to file one?
    
    We require that all projects report to us on how they spent the money we disbursed to them annually because of our obligations to the IRS as an exempt organization. Every year, Fractured Atlas has an independent audit performed by an accounting firm at the close of our fiscal year and the information reported to us through the Annual Report is required for that process. Fractured Atlas's fiscal year is September 1- August 31, so your Annual Report would detail what you did with money we gave you specifically for that time period. The Annual Report form is another online form that we provide via our website (accessible only when logged in). It contains a narrative section and a basic budget form that all projects must complete. If you have kept decent records, it shouldn't take more than 15 minutes or so to do this. Any project that does not complete an Annual Report by the deadline will have their fund frozen until it is completed.
    
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  - Why is my fund frozen and what does that mean?
    
    Why is my fund frozen and what does that mean?
    
    Most likely it means that you did not complete your Annual Report for the last fiscal year. When a fund is frozen, we will not release any monies to the project until the annual report has been filed. Donations cannot be made to the project while a fund is frozen.
    
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- Miscellaneous
  - Can I get nonprofit rates from vendors if I am fiscally sponsored?
    
    Can I get nonprofit rates from vendors if I am fiscally sponsored?
    
    It depends on the vendor, but in most cases the answer is YES. In order to get a nonprofit rate, simply send our staff all of the contact information for the vendor and we will send you a Nonprofit Rate Request letter that you can give to the vendor when asking for the discounted rate.
    
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  - I still have more questions? Where can I find/who do I contact to obtain more detailed information about the program?
    
    I still have more questions? Where can I find/who do I contact to obtain more detailed information about the program?
    
    You are welcome to contact our staff anytime with additional questions by calling our office at 212-277-8020, sending us an email at support@fracturedatlas.org, faxing a question to 212-277-8025, mailing your questions to Fractured Atlas 248 West 35th St. Suite 1202 NY, NY 10001 or just showing up. Our offices are closed on all Federal holidays.
    
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  - What are the limitations of fiscal sponsorship?
    
    What are the limitations of fiscal sponsorship?
    
    You can't apply to certain funding sources that only accept applications from exempt organizations and disallow applications from fiscal sponsors (like the NEA). You cannot get a nonprofit bulk mailing rate. You cannot accept vehicle donations (the IRS restrictions governing how vehicle donations must be processed are incompatible with our program). You cannot take advantage of sales tax exemption if you are operating outside New York State. You cannot submit a fund release request for expenses incurred before your project was approved by our board. Other than that, you can take advantage of almost every benefit that is normally afforded to an exempt organization.
    
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  - Where do the online descriptions of sponsored projects come from and can they be edited?
    
    Where do the online descriptions of sponsored projects come from and can they be edited?
    
    Each project must supply an online profile with their fiscal sponsorship application. Once a project is approved, this online profile can edited at any time by logging into our website and choosing the link Edit Online Profile (which is found on your personalized home page).
    
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  - Who owns the art work I create while fiscally sponsored?
    
    Who owns the art work I create while fiscally sponsored?
    
    Fractured Atlas has designed our program to allow you to retain full ownership and control over the work you create while you're sponsored.
    
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- Applying for Grants
  - Are there any fees to apply for grants?
    
    Are there any fees to apply for grants?
    
    Not usually but in certain cases we may need to charge you a fee related to the time it takes us to process the grant (since we do have a limited staff and cannot work 24 hours a day). If you plan accordingly, you can almost always avoid paying additional fees. There are two types of fees that we charge to apply for grants and these are dealt with on a case by case basis (meaning, we will waive them whenever we can). The two types of fees are: Rush Fee for Text Approvals and Hourly Grant Administrative Fees. Rush Fee for Text Approvals: We request in our Fiscal Sponsorship Instructions that all text approvals be submitted 10 business days before any deadline. If you submit your text within those parameters, you will never incur a rush fee. If you submit text for approval LESS than 10 business days before a deadline, then we reserve the right to charge a $75 Rush Fee which guarantees a one business day turnaround time for your text to be approved. This fee basically ensures that you will be put on top of the fiscal sponsorship work pile and get you what you need from us in time for your deadline. If you manage your deadlines properly, you will never have to pay it. Hourly Grant Administration Fees: We provide at least one hour of staff time for grant administration per each grant application that a project submits at no charge. In almost all cases, this is enough time to process the application. If our staff must spend more than 1 hour on a grant, we must charge a rate of $50/hour for each additional hour spent to process the application. Usually, the only cases where additional time is required to process grants is when a project gets funded through public funding agencies (especially in New York City where bureaucracy reigns supreme). In all cases like this, we will contact you to discuss the estimated fees prior to doing anything and a project can always opt out of us processing a grant application to avoid these fees if they so choose.
    
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  - Can I apply for a grant immediately after I receive sponsorship?
    
    Can I apply for a grant immediately after I receive sponsorship?
    
    We have an internal policy that requires new projects to raise $1000 in their sponsored fund before they are allowed to begin applying for grants. It may seem unpleasant, but this rule exists for two important reasons: 1) Fundraising best practices dictate that you should wait to approach institutional funders until after you've established a base of individual support and have a history of successful programming; 2) Funders have consistently told us that they don't want to receive grant applications from projects that haven't raised any money from other sources. We have therefore implemented this policy to protect the integrity of the fiscal sponsorship program and to maximize our project's chances of being funded when they do submit grant applications.
    
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  - Can I apply for one of the FA microgrants to cover for the $1000 minimum I need to raise to start applying for grants?
    
    Can I apply for one of the FA microgrants to cover for the $1000 minimum I need to raise to start applying for grants?
    
    The bad news is that the answer to this question is NO. Fractured Atlas's grant program cannot be used to replace the minimum we require projects to raise before being eligible to apply for grants. The good news is that you can apply to the Fractured Atlas grant program before raising any money in your sponsored fund. The $1000 threshold only applies to grants from outside sources.
    
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  - Can I just apply for grants on my own once I'm sponsored, or do I need to work with Fractured Atlas staff?
    
    Can I just apply for grants on my own once I'm sponsored, or do I need to work with Fractured Atlas staff?
    
    Applying for grants is a very involved process that requires our projects to work closely with our staff. You cannot apply for grants through the fiscal sponsorship program without getting the application approved prior to submission and you will almost always need to include certain Fractured Atlas documents with an application in order to be eligible or considered by a grantor.
    
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  - Why doesn't Fractured Atlas allow me to apply for certain grants?
    
    Why doesn't Fractured Atlas allow me to apply for certain grants?
    
    Sometimes we may be aware that a particular funder does not accept fiscally sponsored applications (like the NEA); sometimes Fractured Atlas may be applying to that particular funder for our own programming (although it is rare that our applications conflict with our projects since we operate very different programs); sometimes a funder may only accept one application per organization and your application would prevent any other project we sponsor to apply to that source (we usually don't allow our projects to apply to sources that restrict the number of applications); sometimes a foundation is simply out of the realistic scope of an emerging artist/organization and it would be inappropriate for Fractured Atlas to allow that application to be submitted; sometimes you may not meet the required guidelines that a funder publishes. In all cases, we strive to be as helpful and as accommodating as possible regarding grant applications and we aim to allow our projects apply to as many funding sources as possible.
    
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Liability Insurance
- General Information
  - About the Programs
    Are all policies annual?
    
    Are all policies annual?
    
    Yes! The only one that isn't is event insurance, which is a short term liability policy.
    
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    Do I have to be a member to get insurance with you?
    
    Do I have to be a member to get insurance with you?
    
    Yes! Our insurance programs have been designed specifically for FA members. If you sign up and then decide not to get your insurance through us, we're happy to refund your membership dues. But we do have lots of other fabulous programs that may be useful, so check out the rest of the website!
    
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    Does what I need insurance for have to be artistic in nature or arts-related?
    
    Does what I need insurance for have to be artistic in nature or arts-related?
    
    Yes! It does need to be artistic in nature. We are, after all, an arts service organization.
    
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    How come Fractured Atlas staff cannot immediately answer all my questions?
    
    How come Fractured Atlas staff cannot immediately answer all my questions?
    
    Fractured Atlas is an arts service organization, not an insurance company. Our Liability Insurance programs are a service to our members and we work with insurance brokers and carriers to create these programs. Sometimes we must contact these insurance agents to ensure that members receive a complete, correct answer.
    
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    How come the rates are so low? It seems too good to be true!
    
    How come the rates are so low? It seems too good to be true!
    
    It's because we love you and fight hard to get you the best policies at the lowest rates possible. These programs are just for our members: you won't find them anywhere else.
    
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    How long does it take to get coverage?
    
    How long does it take to get coverage?
    
    We'd love it if you give us at least ten business days, but we can usually do it in 3-5 if necessary. Some thing take lots of time, like workers comp and errors and omissions. Some things don't, like equipment coverage and volunteer accident insurance. If time is tight, stop reading this and fill out an application ASAP then give the office a call!
    
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    Is Fractured Atlas an insurance company?
    
    Is Fractured Atlas an insurance company?
    
    Nope! We do have a licensed insurance broker on staff, but we work with insurance companies to get awesome policies at great rates for our members.
    
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    What if I still have questions?
    
    What if I still have questions?
    
    Email us! That's always the fastest way to get an answer: shoot an email to support@fracturedatlas.org and we'll get back to you just as soon as possible, and definitely within one business day.
    
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    What insurance companies do you work with?
    
    What insurance companies do you work with?
    
    Lots of them, but the ones we do the most with are Philadelphia, The Hartford, and Chubb. We only work with A, A+, or A++ rated companies.
    
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  - Obtaining a Quote
    Can I get a quote lower than the miniumum?
    
    Can I get a quote lower than the miniumum?
    
    No! The minimum quotes are the minimum quotes that we can give you. It doesn't get any lower. But you're always free to shop around and see what else you can find!
    
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    Can I just get a ballpark figure without becoming a member and applying for a quote?
    
    Can I just get a ballpark figure without becoming a member and applying for a quote?
    
    Yes and no. Fractured Atlas staff members are not insurance underwriters and, therefore, we do not recommend asking us for a ballpark figure. We can try our best to offer a broad price range based on the quotes we've seen in the past, but the actual quote could be a lot lower or higher than what we present.
    
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    Do I have to be a member to get a quote?
    
    Do I have to be a member to get a quote?
    
    Yes! We've worked hard to create these programs specifically for our members, so you do need to join first. If you decide not to get your insurance with us, we're of course more than happy to refund your membership dues. But we really do have some other fabulous programs, so spend some time on the website and see what we're all about!
    
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    How do I apply for a quote?
    
    How do I apply for a quote?
    
    1. Become a member 2. Log on to the website 3. Go to "Liability insurance" under the "Programs and services" menu 4. Pick the program you need 5. Click "Apply today"
    
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    How far in advance can I apply for a quote?
    
    How far in advance can I apply for a quote?
    
    Unless you plan to buy it immediately, we can't get you a quote if your event or start date is more than two months away. If you submit an application really far in advance, we could get you an indication (an idea of how much the premium will be) in case you need it for budgeting reasons.
    
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    I don't like/I no longer need the quote. What should I do?
    
    I don't like/I no longer need the quote. What should I do?
    
    Let us know! If you think there's a problem or you just plain don't want it, we like to know so that we can either fix it or close out the application. It's as easy as hitting "Ask a question" on the "My liability insurance" page, and we'd really appreciate it!
    
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    Is it free to apply for a quote?
    
    Is it free to apply for a quote?
    
    Yes. All members of Fractured Atlas can apply for liability insurance quotes for free.
    
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    My quote is really high! What's up?
    
    My quote is really high! What's up?
    
    It happens! Some states are just plain expensive, and insurance underwriters are scared of a lot of things. We always do everything we can to get you the most affordable policy possible. If you get a quote that seems really high, email us! There's probably something we can do, or at the very least we can tell you what made it cost that much.
    
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    Things have changed since I applied. What should I do?
    
    Things have changed since I applied. What should I do?
    
    We'll fix it! Just let us know: we can always get you a revised quote. There's really no need to submit a new application.
    
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    What do I do once I receive the quote?
    
    What do I do once I receive the quote?
    
    Read it! They're a little dense, but it's really not as scary as it seems and there's a lot of important information there. Once you've had a peek at it, if there's anything at all you're wondering about go ahead and hit the "Ask a question" button on the My Liability Insurance page. We'll get right back to you with answers. If everything looks good, you can buy the policy right there on the website.
    
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    What happens if you can't get me a quote?
    
    What happens if you can't get me a quote?
    
    We'll let you know as soon as we find out! There are some things that are hard to cover: music videos, aerial work, rap concerts . . . We'll always keep looking even if you originally get turned down. And we'll keep you posted on our progress! Unfortunately, there have been things that we've had to say no to, but we always try to give you ideas of where else to look.
    
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  - Filling Out the Application
    I can't get to the application!
    
    I can't get to the application!
    
    Are you a member? Then you need to log on to the website! Are you not a member? You need to sign up! Once you've joined (as a full member, community members can't apply for liability insurance, just healthcare), you'll be able to log on and access the applications.
    
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    I don't know how to answer some of these questions!
    
    I don't know how to answer some of these questions!
    
    Insurance sucks! We need a lot of information to get you a quote, and it's really important that it be correct. Some questions have little question marks next to them that help explain what we're looking for. There are also little white boxes with more information, or you can always look at the FAQs for the specific application you're trying to complete. Still confused? Email us at support@fracturedatlas.org or give the office a call. We deal with this every day and can totally help you figure it out.
    
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    What is an "additional insured?"
    
    What is an "additional insured?"
    
    That's somebody that's not you who needs to be included in the policy. It's actually a really complicated question, but that's the simple answer. Sometimes venues or organizations ask to be included as additional insured and that's not a problem at all. Our policies come with unlimited additional insureds, and you can request certificates right through the "My liability insurance" portion of the website.
    
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  - Purchasing the Insurance
    How do I get a copy of my policy?
    
    How do I get a copy of my policy?
    
    Usually the insurance company will send you one 3-4 weeks after you purchase the coverage. For equipment, volunteer accident, event, and artwork policies you'll need to email us at support@fracturedatlas.org and ask us to send you a copy.
    
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    I need insurance certificates!
    
    I need insurance certificates!
    
    That's great, but you need to request them online. Once you've purchased the policy, there will be a big green button on your "My liability insurance" page that says "Request certificates". Hit that, fill out the information, and you'll get an email with your certificates attached within one business day. Need them faster? Email support@fracturedatlas.org and let us know.
    
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    The quote looks great! How do I purchase the insurance?
    
    The quote looks great! How do I purchase the insurance?
    
    Follow the instructions online! Go to "My liability insurance" and the site will walk you through the rest.
    
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    What's the binder fee?
    
    What's the binder fee?
    
    It's an administrative fee to Fractured Atlas that makes this program possible!
    
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- Annual Liability Insurance
  - How much does it cost?
    
    How much does it cost?
    
    That depends on a lot of things, including what you do and where you are located. The minimum quote for annual general liability is $375, and it just goes up from there. Things that can make it more expensive are: location (some cities and states are more expensive than others because they're "more risky"), number of events, number of spectators, and total payroll.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    Nope!
    
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  - What are the limits?
    
    What are the limits?
    
    -$1 million per occurrence -$2 or $3 million aggregate (that's the total that the insurance company will pay out) depending on the carrier -$1 million personal and advertising injury -$2 or $3 million products and completed operations depending on the carrier
    
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  - What can be insured under these policies?
    
    What can be insured under these policies?
    
    Almost anything, as long as it's arts-related.
    
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  - What is annual general liability insurance?
    
    What is annual general liability insurance?
    
    It's a year-long policy that covers you against lawsuits that might be brought against you because of damage to rented spaces/locations, injury to spectators or innocent bystanders, etc.
    
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- Directors and Officers Insurance (D&O)
  - How much does it cost?
    
    How much does it cost?
    
    The minimum premium is $650 and it goes up from there.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    There is a $2500 deductible on certain claims.
    
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  - What are the limits?
    
    What are the limits?
    
    The general aggregate on this insurance is $1,000,000.
    
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  - What can be insured?
    
    What can be insured?
    
    Non-profit arts organizations and fiscally sponsored projects
    
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  - What is directors' and officers' liability insurance?
    
    What is directors' and officers' liability insurance?
    
    Directors' and officers' liability insurance (D&O) offers your individual directors (high-level staff of organizations) and officers (Board members) the protection they need from personal liability and financial loss arising out of wrongful acts committed in their capacity as officers and/or directors. Example: If the Executive Director of an organization runs off with the company's money, this would cover the Board Members and other high-level staff if they were sued. One can also elect to include Employment Practices coverage as well, which covers things like sexual harassment, discrimination, and wrongful termination suits.
    
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  - What isn't insured?
    
    What isn't insured?
    
    For-profit arts organizations.
    
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- Event Insurance
  - Do event liability policies automatically provide workers' comp insurance?
    
    Do event liability policies automatically provide workers' comp insurance?
    
    No! That's a separate policy that has its own application.
    
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  - Do we need liquor liability?
    
    Do we need liquor liability?
    
    Probably not, which is good because it's really expensive! The only time you need liquor liability coverage is if you are selling the alcohol and retaining the money that you make. If that's the case, you also need a liquor license (and we'll need a copy of it) and someone with your event needs to complete a specific online intervention training program (which we also need proof of). General liability insurance already includes some liquor coverage that is everything you need if you're either taking donations or giving the alcohol away.
    
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  - Does this policy include performer coverage?
    
    Does this policy include performer coverage?
    
    It can, but if you're doing an Equity showcase you'll need to get a volunteer accident policy, which is different coverage and is what Equity requires.
    
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  - How much does it cost?
    
    How much does it cost?
    
    Every event is different, but the minimum is $375 and as always, it can go up from there.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    Nope!
    
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  - What are the limits?
    
    What are the limits?
    
    $3 million aggregate (the total that the insurance company will pay out); $1 million each occurrence; $1 million personal and advertising injury; $3 million products and completed operations
    
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  - What can be insured under these policies?
    
    What can be insured under these policies?
    
    All sorts of things, as long as they're artistic! We've done plays, musicals, dance, opera, music, gallery openings, film screenings, poetry readings, gala fundraisers, music festivals, the list goes on!
    
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  - What if my event is in lots of venues or is really long?
    
    What if my event is in lots of venues or is really long?
    
    That's fine! But if you have lots of things going on throughout the year, you'll probably be better off with an annual policy.
    
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  - What is event liability insurance?
    
    What is event liability insurance?
    
    It's short-term liability insurance that covers you against claims related to damage to the venue and injury to spectators or innocent bystanders
    
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  - What isn't insured under these policies?
    
    What isn't insured under these policies?
    
    Events held in a private home, or anything that is not artistic. We can't do weddings.
    
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- Film Production and Equipment Insurance
  - How much does it cost?
    
    How much does it cost?
    
    They're always different, but the minimum cost of the film general liability is $430 and the equipment is $330. As always, it can just go up from there.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    On the general liability, no! On the equipment, yes! It's usually $1000, but it's higher for some losses like by earthquake or hail.
    
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  - My film shoot is short. Can I just get a short-term policy?
    
    My film shoot is short. Can I just get a short-term policy?
    
    No: the film liability policies are only annual. We could probably get you a short term policy, but it will be more expensive and will take longer to get in place, so what's the point?
    
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  - What are the limits?
    
    What are the limits?
    
    $2 million general aggregate (the total that the insurance company will pay out); $1 million per occurrence; $1 million personal and advertising injury. The equipment insurance covers however much equipment value you request on the original application.
    
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  - What can be insured under these policies?
    
    What can be insured under these policies?
    
    Film or video production! Just so you know, music videos are difficult and we can't do pornography.
    
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  - What's film production insurance? What's equipment insurance?
    
    What's film production insurance? What's equipment insurance?
    
    Film production is an annual general liability policy that will cover you for your filmmaking activities for an entire year. Equipment insurance is a policy that will cover loss, damage, theft, etc. to your rented or owned equipment.
    
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- Public Art Insurance
  - How much does it cost?
    
    How much does it cost?
    
    They start at $350 and just go up from there.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    For the liability policy, no! For the artwork, yes! It's $1000 unless the damage is due to earthquake, hail, or wind, and then it's $10,000
    
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  - What are the limits?
    
    What are the limits?
    
    $2 million general aggregate (the total that the insurance company will pay out); $1 million each occurrence; $1million personal and advertising injury; $300,000 fire damage legal liability; $10,000 medical expense coverage per occurrence; and $1,000,000 for rented vehicles
    
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  - What can be insured under these policies?
    
    What can be insured under these policies?
    
    This insurance covers static works of visual art (sculptures, mainly) that are in areas accessible by the public.
    
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  - What is public art liability insurance?
    
    What is public art liability insurance?
    
    It's liability coverage that protects you against claims for damage to a location or injury to a spectator or innocent bystander during fabrication, installation, and exhibition. Do note that this does not automatically include coverage for damage to the artwork itself, so you're covered if the art hurts someone but not if someone hurts the art. That's a separate policy.
    
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  - What isn't insured?
    
    What isn't insured?
    
    Performing arts. That's a separate policy.
    
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- Volunteer Accident Insurance
  - Can you obtain volunteer accident insurance for any state?
    
    Can you obtain volunteer accident insurance for any state?
    
    Absolutely. This policy covers volunteers in all states.
    
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  - How much does it cost?
    
    How much does it cost?
    
    $175 for the year.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    Yes! Usually there's a $250 deductible.
    
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  - What are the limits?
    
    What are the limits?
    
    $500,000 of coverage per accident, with $50,000 in medical expenses (primary medical coverage) available immediately per volunteer per accident. For certain accidents, including those involving automobiles, the medical expense limit may differ.
    
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  - What can be insured?
    
    What can be insured?
    
    Any arts-related organization or artist with volunteer workers
    
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  - What is volunteer accident insurance?
    
    What is volunteer accident insurance?
    
    Volunteer accident insurance provides annual insurance to cover medical care for volunteer employees who are injured while on the job. This can be used to cover volunteer performers (including those in Equity Showcase performances and in films with unpaid SAG actors) or for any volunteer that is working under your auspices as an artist or arts organization. A volunteer is defined as someone who is an unpaid worker (or someone who is being paid via a stipend reimbursing them for their direct expenses) and who is not on payroll/salary.
    
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  - What isn't insured?
    
    What isn't insured?
    
    Paid workers: you'll need a workers compensation policy for that.
    
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- Workers Compensation Insurance
  - Can you obtain worker's comp quotes for any state?
    
    Can you obtain worker's comp quotes for any state?
    
    No. We can't get quotes for Nevada, Ohio, West Virginia, and Wyoming. Because of state laws, workers comp in those states has to be purchased through a state agency.
    
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  - How much does it cost?
    
    How much does it cost?
    
    It's always different! It depends on what state, how many employees, how much payroll, even what exactly you are doing. We can tell you that the minimum quote we've received so far, for an organization with very little payroll and just a few employees, is about $400.
    
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  - Is there a deductible?
    
    Is there a deductible?
    
    Nope!
    
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  - What are the limits of this insurance?
    
    What are the limits of this insurance?
    
    Generally, it's $100,000 per accident and a $500,000 aggregate, but you should always check the quote to see if it's listed.
    
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  - What can be insured under these policies?
    
    What can be insured under these policies?
    
    Any arts-related organization can apply to this program.
    
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  - What is worker's comp insurance?
    
    What is worker's comp insurance?
    
    It's coverage for paid employees in case they are injured on the job. Worker's comp pays medical bills before an individual's health insurance kicks in. Have volunteers? Check out our volunteer accident policy instead.
    
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  - What isn't insured under these policies?
    
    What isn't insured under these policies?
    
    Disability insurance is not included in these policies unless the organization is based in New York, at which point our broker will obtain such a policy, as it's required.
    
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Marketing and Promotion
- Calendar of Events / News Releases
  - Can I search the Calendar of Events for a particular event?
    
    Can I search the Calendar of Events for a particular event?
    
    Yes! The search function is available directly above the Calendar. You can search by date of event, type of event, city of event, and even by a keyword.
    
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  - Can only members post events/news releases to the Calendar?
    
    Can only members post events/news releases to the Calendar?
    
    Yes. Only members can post, but anyone can look through the events and use the search function. If you'd like to post an event/news release, you can sign up for membership right on our website -- www.fracturedatlas.org.
    
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  - How do I edit my event/news release once it's listed?
    
    How do I edit my event/news release once it's listed?
    
    Once your event/news release has been posted, you can feel free to edit it if necessary. This can be done one of two ways. 1) On the website homepage (if you're logged in), you'll see a box on the right-hand side that says My Events. Next to each event you've posted, there is an edit button. 2) Go to the Calendar of Events on the website and click on Edit an Event Listing or Edit a News Release (whichever applies).
    
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  - How do I post my event/news release to the Calendar?
    
    How do I post my event/news release to the Calendar?
    
    Simply log into the Fractured Atlas website and go to the Marketing and Promotion menu. Within the menu, you can find both Post a Calendar Event and Post a News Release. Click on the one that applies and fill out/submit the information.
    
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  - Is the Calendar of Events only for performing arts?
    
    Is the Calendar of Events only for performing arts?
    
    No. Feel free to list any and all arts-related events.
    
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  - Is the Calendar of Events only for events being held in and around New York City?
    
    Is the Calendar of Events only for events being held in and around New York City?
    
    No. We've had listings from West Virginia, Montana, Hawaii, and North Carolina! Granted, most of the events are in New York and California, but we encourage posting your event no matter where you are (even if you're in a foreign country? I think we had Hungary one time!). The publicity can only help.
    
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  - My event didn't automatically appear on the Calendar, what happened?
    
    My event didn't automatically appear on the Calendar, what happened?
    
    All events must be approved by Fractured Atlas staff before they are posted to the Calendar. Events will generally be posted same day or one business day after you've submitted the information.
    
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  - Should I post both an event listing and a news release?
    
    Should I post both an event listing and a news release?
    
    We know that artists have news releases about their events all the time. However, it becomes kind of redundant to post both an event listing and then a news release about your event. Please, just submit the event listing -- you can put as much information in the listing as you'd like and it can be the equivalent of a news release. If you submit both an event listing and a news release, the news release will be deleted.
    
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  - What's that icon next to my news release on the Calendar?
    
    What's that icon next to my news release on the Calendar?
    
    It's a tiny newspaper, silly! Duh.
    
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  - What's the difference between an event listing and a news release?
    
    What's the difference between an event listing and a news release?
    
    An event is something happening on a particular day that you'd like people to attend. A news release (i.e., press release) is announcing special information about yourself, your organization, etc.
    
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  - Why wasn't my event approved for the Calendar?
    
    Why wasn't my event approved for the Calendar?
    
    Non-artistic and non-arts-related events will not be posted to the calendar. Listings that are not events (or something like an installation that goes on continuously), will not be posted. Listings without sufficient information (time, place, etc), will not be posted.
    
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- Audience Development
  - The Service
    Can I use this program if my event is outside the New York City area?
    
    Can I use this program if my event is outside the New York City area?
    
    If you're event isn't being held in the New York area (which, in some instances includes counties surrounding New York City, including areas in Connecticut and New Jersey), then unfortunately, this program cannot be of use to you.
    
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    Can I use this program if I live outside the New York City area but my event is being held in New York?
    
    Can I use this program if I live outside the New York City area but my event is being held in New York?
    
    Yes. If you live outside of the New York City area, but your event is being held in or around New York City, you are more than welcome to use the program.
    
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    Can only Fractured Atlas members use this program?
    
    Can only Fractured Atlas members use this program?
    
    Yes. This program is only available to Fractured Atlas members. You can find membership information at www.fracturedatlas.org.
    
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    How come this program is only available in the New York City area?
    
    How come this program is only available in the New York City area?
    
    Currently, this is a pilot program. The more members that use it, the more it will encourage us to develop this program in other cities and states. However, the services that we've partnered with only exist in the New York area and we're unsure if similar services exist elsewhere. If you know about seat-filling/ticket distribution services in your area and you'd like us to partner with them to create a program such as this, please contact us with their information!
    
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    How will this develop my audience?
    
    How will this develop my audience?
    
    You've got empty seats, they've got thousands of members looking for something to do. These organizations have huge membership bases made up of people just waiting for a new, interesting event to attend. With thousands of people viewing information about your event, you've already increased your presence significantly. Then, hopefully, a few people will actually attend your event! These are probably people you wouldn't have attracted otherwise. And, if they like your event (let's hope so), they'll be a return customer and will tell their friends. There you go ? you just expanded (developed) your audience!
    
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    Is this a free service?
    
    Is this a free service?
    
    Yes. The service is completely free, no strings attached.
    
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    Is this program mainly for the performing arts?
    
    Is this program mainly for the performing arts?
    
    Yes and no. For the most part, these organizations offer their members access to performing arts events ? theater/musical theater, dance, music/cabaret, comedy, etc. However, some of the organizations offer their members access to museums/galleries and others offer arts-based discussions and film screenings. Please look at the FAQs and the websites of our partner organizations for more insight into what each offers their members. In the end, it doesn't hurt to turn in the application ? it's free to use and the worst the organization can do is say that your event isn't something they normally list.
    
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    What is this program?
    
    What is this program?
    
    Fractured Atlas created this program in order to expose our members to the various services out there that exist in order to fill seats and bring in new people to events. The fact is, there are a lot of these services in the New York area; either you may not know about them, or you'd rather not go through the process of using them. What we've done is simplified the process for you. We've partnered with terrific organizations and created a user-friendly online form that allows you to take advantage of the services of multiple organizations at once.
    
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    Will using this guarantee my event to be full?
    
    Will using this guarantee my event to be full?
    
    Unfortunately, no. We can only guarantee that if you use the program, your events will be posted on the websites of one or multiple different organizations (depending on how many you choose). We can't guarantee that you'll have any takers, though. Why? For several reasons, including distance to the venue or just general lack of interest in the event. If it doesn't work for you, sorry! But, we've definitely had some member success stories ? including houses that filled up because of using the service to those dreaded Sunday matinees where no tickets were sold, but 12-15 people attended as a result of the program. But, in the end, we cannot guarantee results. Still, it can't hurt to try!
    
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  - Our Program Partners
    What is High 5 Tickets to the Arts?
    
    What is High 5 Tickets to the Arts?
    
    High 5 Tickets to the Arts is a non-profit organization dedicated to making the arts affordable for teens. Through High 5, teens ages 13 to 18 can buy $5 tickets to the best of New York City dance, music, theater and visual arts events all year round. www.high5tix.org
    
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    What is TDF and what is the TDF Voucher Program?
    
    What is TDF and what is the TDF Voucher Program?
    
    Theatre Development Fund, a not-for-profit organization, was created with the conviction that the live theatrical arts afford a unique expression of the human condition that must be sustained and nurtured. TDF's twofold mission is to identify and provide support, including financial assistance, to theatrical works of artistic merit, and to encourage and enable diverse audiences to attend live theatre and dance in all their venues. To accommodate the irregular performance schedules and out-of-the-ordinary performing spaces of Off-Off-Broadway companies, TDF developed the TDF Voucher Program. This program is TDF's principal means of assisting Off-Off-Broadway theatre, music, and dance groups by helping them build their audiences. The voucher is an open ticket of admission to Off-Off-Broadway events (good for a year from the date of purchase) and is accepted as payment-in-full when presented at the box office. TDF members can purchase a set of four vouchers at a cost of $36. www.tdf.org
    
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    What is Theater Extras?
    
    What is Theater Extras?
    
    Theater Extras is a seat-filling audience development organization that "papers" or "dresses the house" to assist producers, venues, etc. They do not sell tickets, but rather arrange complimentary tickets for its 3000+ members when a performance or event is in previews, under-publicized, expecting the attendance of reviewers, or would like the benefits of a full house. Theater Extras also benefits the performing arts by donating a portion of all ticket processing fees to the non-profit organization Broadway Cares/Equity Fights AIDS and by awarding a yearly scholarship to a student at the LaGuardia High School of Music, Art, and Performing Arts in New York City. www.theaterextras.com
    
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    What is TheaterMania Gold Club?
    
    What is TheaterMania Gold Club?
    
    TheaterMania Gold Club is a seat-filling audience development organization that "papers" or "dresses the house" to assist producers, venues, etc. They do not sell tickets, but rather arrange complimentary tickets for its members when a performance or event is in previews, under-publicized, expecting the attendance of reviewers, or would like the benefits of a full house. They are affiliated with the national theater box office service TheaterMania.com. www.theatermania.com/gold
    
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  - Your Event
    What type of events can I list with High 5 Tickets to the Arts?
    
    What type of events can I list with High 5 Tickets to the Arts?
    
    High 5 generally offers events geared mainly towards theater/musical theater, dance performances, improv comedy shows, music/cabaret performances, and museum exhibitions. Please note that although these tickets will go to high school students, even if you feel your event may be inappropriate, feel free to distribute tickets to them anyway. On the application, you'll be asked to rate your show just as movies are rated and the staff of High 5 can assist you if your event might be inappropriate for their members.
    
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    What type of events can I list with TDF's Voucher Program?
    
    What type of events can I list with TDF's Voucher Program?
    
    TDF's Voucher Program generally offers events geared mainly towards theater/musical theater, but they also offer dance performances, comedy shows, and music performances. When you choose to use TDF's Voucher Program, please note that there are certain stipulations when listing your event. For example, you are not giving them an assigned amount of seats like the other organizations. You're choosing to accept TDF Vouchers should you have seats available. Please read the terms and conditions that are on the online application.
    
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    What type of events can I list with Theater Extras?
    
    What type of events can I list with Theater Extras?
    
    Theater Extras generally offers events geared mainly towards theater/musical theater, but they also offer dance performances, comedy shows, music/cabaret performances, children's shows, film screenings, and educational events (discussions, etc).
    
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    What type of events can I list with TheaterMania Gold Club?
    
    What type of events can I list with TheaterMania Gold Club?
    
    TheaterMania Gold Club generally offers events geared mainly towards theater/musical theater, but they also offer dance performances, comedy shows, music/cabaret performances and concerts, and some educational events (discussions, etc).
    
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    Why does the form ask for a rating (i.e., G, PG, PG-13, etc.)?
    
    Why does the form ask for a rating (i.e., G, PG, PG-13, etc.)?
    
    This is for organizations such as High 5 Tickets to the Arts who are dealing with high school students. It's mainly to gauge age appropriateness, so please answer the question as honestly as possible. You will not be automatically turned down if you rate your event "R" or "NC-17."
    
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  - How Does this Work?
    Do I have to allot seats to each organization?
    
    Do I have to allot seats to each organization?
    
    No. You can choose to allot tickets to one, multiple, or all organizations listed ? and the combination of organizations doesn't matter either!
    
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    Do I have to make sure to keep the seats that I allot aside or can I sell them?
    
    Do I have to make sure to keep the seats that I allot aside or can I sell them?
    
    You must keep these seats available until the organizations contact you letting you know how many they've distributed for the event. If you don't have seats available for people with ticket confirmations from these organizations, you'll have to face angry patrons, angry organizations, and you'll mess up the service Fractured Atlas is trying to provide for its members. Once you've received the confirmation reports from these organizations, you can sell whatever tickets that went undistributed.
    
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    Do I receive any money from these tickets?
    
    Do I receive any money from these tickets?
    
    The TDF Voucher program is the only organization that you'll receive any money from should people use the vouchers to attend your event. All other tickets are given away by you for free even if the organizations you're allotting them to charge their members a processing and/or membership fee. TDF Vouchers collected must be submitted for reimbursement in accordance with printed instructions provided by TDF (these can be found in our online application). Vouchers will be redeemed at either $8.50 or $10 per voucher, depending on certain TDF stipulations. These redemption rates are subject to change and can be confirmed by contacting TDF at 212-221-0885.
    
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    Do I receive any type of tax deduction for giving away these tickets?
    
    Do I receive any type of tax deduction for giving away these tickets?
    
    Unfortunately, no. Although High 5 (for example) is a non-profit organization, you do not receive a tax deduction for allotting tickets to them. You're giving away tickets for free in order to help build your future audience.
    
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    How far in advance do I have to use this service?
    
    How far in advance do I have to use this service?
    
    You can choose to use this service months in advance, same month, same week, or sometimes even the day before your event (make sure it's a business day, please!). We recommend at least one to four weeks in advance so more people will view the information on the organizations' websites and so the organizations can be in touch with you in case they require more information.
    
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    How many seats should I allot to each group?
    
    How many seats should I allot to each group?
    
    That's completely up to you. If you think you're going to have 18 seats go unused at a performance, maybe give 6 tickets to three organizations and choose to accept TDF Vouchers. If you think you'll only have 5 available, maybe just accept TDF Vouchers or allot those 5 to just one of the organizations. The only thing we recommend is, for each organization you choose to use, that you give an even number of tickets to each, as most people attend events in pairs.
    
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    If these tickets are used, how will I be notified?
    
    If these tickets are used, how will I be notified?
    
    On the online application, depending on the organization, you're asked for a time you'd like to be contacted with ticket distribution reports. Also depending on the organization, they can notify you via email, phone, and/or fax. Please be sure all of your contact information is correct on the application so the organizations can contact you if necessary.
    
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    If these tickets go unused, how will I be notified? Can I then sell them at that point?
    
    If these tickets go unused, how will I be notified? Can I then sell them at that point?
    
    On the online application, depending on the organization, you're asked for a time you'd like to be contacted with ticket distribution reports. Also depending on the organization, they can notify you via email, phone, and/or fax. You'll be notified whether or not the tickets are distributed or not. Please be sure all of your contact information is correct on the application so the organizations can contact you if necessary. If the allotted tickets (or a portion of the allotment) go undistributed, you're more than welcome to sell those tickets at your discretion.
    
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    What's the likelihood that people will use these tickets that I'm giving away?
    
    What's the likelihood that people will use these tickets that I'm giving away?
    
    There's no guarantee that any of the tickets you provide will be used. Then again, there's no guarantee that all of the tickets you provide won't be used! We've seen some events use this service to great success during their first week of production and then had very few takers during the second week. We've also seen the opposite happen. But, in the end, if you know you're going to have seats go unfilled, it can't hurt to try!
    
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    Will the organization(s) I distributed tickets to contact me to confirm receipt of my application?
    
    Will the organization(s) I distributed tickets to contact me to confirm receipt of my application?
    
    In general, yes. Each organization you distribute tickets to should contact you via email or phone to clarify any information about your event and to confirm receipt of the tickets you've distributed. If you don't hear from them, please do not worry, as the event has probably been posted. Simply email or call Fractured Atlas staff and we can check into the request.
    
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Professional Development and Education
- Grant Programs
  - The Program
    About how many applications are received per cycle?
    
    About how many applications are received per cycle?
    
    We generally receive about 50-100 applications per cycle.
    
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    About how many applications are funded per cycle?
    
    About how many applications are funded per cycle?
    
    We generally award about 2-4 grants per cycle depending on the amount of funding we are able to dispense at the time.
    
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    Can I apply towards an upcoming production/project I'm working on?
    
    Can I apply towards an upcoming production/project I'm working on?
    
    No. These programs fund projects that will make a significant impact on the sustainability of an arts group or individual artist's work. Awards from the program are not intended to defray short-term production costs.
    
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    Do I have to repay the grant?
    
    Do I have to repay the grant?
    
    No, sir! This is a grant and does not have to be repaid.
    
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    How are funding decisions for the program made?
    
    How are funding decisions for the program made?
    
    All grant applications are considered by a review panel consisting of Fractured Atlas Board members as well as peers from the arts community. The panel makes recommendations to the full Board, and those recommendations are discussed and finalized at quarterly Board meetings.
    
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    How much are the grants?
    
    How much are the grants?
    
    The grants range from $250-$1000.
    
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    What types of requests are generally funded through the program?
    
    What types of requests are generally funded through the program?
    
    Examples of the types of expenses that might be funded include: workshops, classes, residencies, master classes, cultural exchange efforts, laboratory explorations, consultant fees, business-related software/equipment purchases, and the like. Recently, grants have been awarded for artist residencies, equipment purchases, website development, trademark fees, brochure/DVD printing, and convention and workshop attendance fees. We do NOT fund rehearsal, development, or production expenses for particular projects or ongoing projects, nor do we fund fundraising efforts (benefits/galas, donor mailings, etc.) or incorporation fees (including 501(c)3 incorporation fees).
    
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    Why are these called "microgrants"?
    
    Why are these called "microgrants"?
    
    Fractured Atlas believes in the importance of continued training, development, and exploration throughout an artist's career, whether it's creatively or organizationally. We also believe that targeting expenses not related to any particular project but that will enhance the stability of a young artist/arts organization will allow for future progress and advancement. But, why are they called microgrants? Specifically, they are somewhat small amounts of money (in comparison to the grander funding scale) that are awarded to specifically target long-term development projects for artists and/or organizations.
    
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    You're not a foundation. Why do you offer grants?
    
    You're not a foundation. Why do you offer grants?
    
    We offer our grant program as a special benefit to our members. The program is brought to you by the Emerging Artists Fund, the first ever endowment fund established to provide sophisticated financial resources and access to capital for emerging artists and arts organizations. We understand that many of our members do not have the time or capabilities to apply to a foundation or other grantmaking organization. We also understand that many of our members need a learning experience on how to apply for a grant. This is a great way to experience the granting process and, perhaps, receive a grant!
    
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  - Applying
    Are only members eligible to apply?
    
    Are only members eligible to apply?
    
    Yes. This program is only available to Fractured Atlas members. You can find membership information at www.fracturedatlas.org.
    
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    Can I apply for multiple different expenses per cycle?
    
    Can I apply for multiple different expenses per cycle?
    
    If the expenses are interrelated, certainly feel free to request funding for them in your application. An example of this would be payment for a convention and lodging expenses for while you're there. If the expenses are not related, please choose only one to apply for. An example of this would be the cost of website development software and an accounting class.
    
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    Can I apply for something I already paid for?
    
    Can I apply for something I already paid for?
    
    No, only upcoming expenses are eligible for funding by the program.
    
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    Can I mail or fax my application?
    
    Can I mail or fax my application?
    
    No. Our online application is simple and easy. It can be filled out and submitted directly through our website.
    
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    Does your online application check grammar and spelling?
    
    Does your online application check grammar and spelling?
    
    Unfortunately, no. Your best bet is to type your answers into a word processing document and then copy and paste them into the application when you're finished. This will not only help with spelling and grammar checks but, if you're a smart computer user, it will also ensure that your work is saved (save early, save often!).
    
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    How can I send support materials?
    
    How can I send support materials?
    
    You are able to attach one support document to your online application. This can be a brochure, photo, short music/movie clip, etc. Please do not send an excessively large attachment and please do not try to attach a more extensive grant application, as these will not be reviewed. Please do not send any support materials to our offices (via email, fax, or snail mail), as we will not accept them.
    
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    How do I apply?
    
    How do I apply?
    
    You can apply for the grants directly through our website. Just be sure you're logged in first.
    
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    How many times per year can I apply?
    
    How many times per year can I apply?
    
    You can apply once per cycle, which equates to once every six months (or twice per year).
    
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    If I have questions about the application or about what to specifically apply for, can I contact someone?
    
    If I have questions about the application or about what to specifically apply for, can I contact someone?
    
    Definitely! Feel free to contact our Director of Member Services via email or phone during regular business hours.
    
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    Is it better to make a modest request or to request $1000 and see what I'm awarded?
    
    Is it better to make a modest request or to request $1000 and see what I'm awarded?
    
    Modesty is the best policy. Don't try to create extra related expenses so that your request winds up equaling $1000. Granted, if your expense exceeds $1000, it might only be proper to request $1000. But, if your expense is $750, don't try to finagle an extra $250 into your request. We don't have that much money to allot, so those asking for a more modest amount are more likely to be funded.
    
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    My computer broke mid-application and my work didn't save! What do I do?
    
    My computer broke mid-application and my work didn't save! What do I do?
    
    Unfortunately, all is lost and you'll need to start over. Your best bet is to type your answers into a word processing document and then copy and paste them into the application when you're finished. This will not only help prevent information from being lost (remember to save early and often!), but will also help with spelling and grammar.
    
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    Oops! I just realized I made a mistake on my application and it's been submitted! Can I change it?
    
    Oops! I just realized I made a mistake on my application and it's been submitted! Can I change it?
    
    Please contact our staff immediately to make any changes to an application that has already been submitted. Depending on the extent of the error and the time frame of the review panel, we cannot always guarantee that these changes will be made.
    
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    What if I have a website I want the panel to look at?
    
    What if I have a website I want the panel to look at?
    
    You are more than welcome to include your website within your application, but do not use it to refer the reviewer to more information. Our panelists already have their hands full reading 20-30 applications? please don't ask that they do extra work!
    
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    When do I have to submit my application by if I want to be considered?
    
    When do I have to submit my application by if I want to be considered?
    
    The review panel meets biannually to consider grant applications. Creative Development grant applications must be submitted online by 11:59PM Eastern Time on June 30th. Organizational Development grant applications must be submitted online by 11:59PM Eastern Time on December 31st.
    
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    Why is there a $10 application fee?
    
    Why is there a $10 application fee?
    
    This program is funded from our own operating budget, not by any third-party funders. We need the $10 fee to cover the program's basic operating expenses. It also encourages applicants to take the application process seriously.
    
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  - Post Application
    If I was awarded for a grant for something I no longer plan on doing, can I keep the grant?
    
    If I was awarded for a grant for something I no longer plan on doing, can I keep the grant?
    
    Maybe. We ask that if you are awarded a grant for something (e.g., a residency) and things fall through, please contact our staff. Generally, we will be able to work things out after discussion with our Board and grants committee. In the very worst case scenario, we might ask that you return the money, as using it towards something unrelated would not be acceptable.
    
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    If I'm awarded a grant, how do I get the money? Do I have to do anything else?
    
    If I'm awarded a grant, how do I get the money? Do I have to do anything else?
    
    If you are awarded a grant, you will be mailed a check directly. If the grant is $600 or more, you will be required to fill out a W-9 (for tax purposes) prior to the issuing of the check. The award letter will detail some follow-up that we ask you to submit a few months later (a one-page statement of what you used the grant towards and any results that have occurred because of it).
    
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    If I'm denied the grant, can I contact Fractured Atlas for feedback on my application?
    
    If I'm denied the grant, can I contact Fractured Atlas for feedback on my application?
    
    You are more than welcome to ask the Director of Member Services for feedback on your grant application. The feedback will be candid and completely the opinion of the staff member. It is not at all the opinion of the grants committee that reviewed your application. Please allow our staff member a few business days to review and provide the feedback (which will generally be sent via email).
    
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    When will I know whether or not I'm funded? How will I find out?
    
    When will I know whether or not I'm funded? How will I find out?
    
    Whether approved or denied, applicants are notified via e-mail approximately 6 weeks after the application deadline (February 15th for the December 31st deadline and August 15th for the June 30th deadline). Please do not contact our office unless 8 weeks have passed after the deadline (March 1st and September 1st) and you still have yet to hear from us.
    
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    Why wasn't I funded?
    
    Why wasn't I funded?
    
    There are many reasons why you might not have been funded. Our grant program is extremely competitive, as we generally only fund less than 10% of the applications that are submitted. You might have been very close to being approved but, in the end, another application could've won out. Generally, that's the best reason we can give for why your application was denied. However, it could mean that your application was horribly written (let's be honest). It could mean that your request didn't fit within the particular category you submitted to. It could even mean that you didn't show how your request was going to develop yourself as an artist or your organization (since development is what the program is about). And, if you've applied repeatedly without being funded, you should definitely ask Fractured Atlas staff for feedback on your application.
    
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Frequently Asked Questions

About Fractured Atlas

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