Gig work is becoming mainstream. It is when you work a job in Ohio where you are not an employee. You are an independent contractor. This changes many things about employment that you may rely on, including workers’ compensation.
As a gig worker, you may not have protections that you have always relied on having. You may not get benefits or have the security that you would have as an employee. It can be tough, but gig work also has its benefits, such as being more in control of your earnings and work schedule.
When it comes to benefits, specifically workers’ compensation, there are a few things that you should know and understand. Here is a look at three of them.
- The law is unclear
Forbes explains many federal agencies have looked into gig workers and their status in relation to employers. The overwhelming conclusion is that gig workers are an independent business, which would mean they do not qualify for workers’ compensation under their employer. However, these rulings did not come from the Supreme Court or any judge, so states, which run their own workers’ compensation programs, are not bound to follow what they say.
- Workers’ compensation qualification is not black and white
One of the biggest issues you will face is that workers’ compensation does not always fall in line like other benefits. While an employer does not have to offer an independent contractor vacation time or holiday pay, it may still have to cover you under workers’ compensation. This muddies the waters and makes knowing if you qualify for benefits even trickier.
So, the bottom line is that should you get while working a gig, you may or may not have coverage under workers’ compensation insurance. Your best bet is to plan for a lack of coverage and have your own insurance in place.