Chosen by Asker

They cannot. They flat out can't. Sorry. You need to either take COBRA from your prior insurer, or get a private plan through a local agent.

by mbrcatz

10 months ago

Asker's Rating: 

I believe you would have to be a full time employee and most companies have a probation period before you can get the benefits.

by justcurious- 10 months ago

Be afraid. Be very afraid. First of all, there are strict rules covering the work of independent contractors. Many companies have long ignored them, in order to operate without paying employee taxes, Social Security, and unemployment insurance tax. If you are required to work there, to work regular hours, to be supervised by someone who is in your presence, or to use equipment they own, they are probably violating the law. They are misclassifying workers. If you work under this agreement, you will not have violated any laws. Instead, you'll get burned--you'll pay higher, self-employment taxes, and, as you've figured out, you can forget about health insurance. You can't afford it, quite possibly, and no, they are probably not going to pay it. If you lose this job, and collect unemployment--which you may be entitled to--they're the ones who should be most afraid.

by Austin W.- 10 months ago

It depends on what state you're in. Most likely you will not be able to get group coverage as a contractor.

by carattop@pacbell.net- 10 months ago

no, they cannot.

by phlegm- 10 months ago

Marry the owner or one of the employees. Beyond that, nope.

by Gambit- 10 months ago

The reason most companies use independent contractors, is so they don't have to provide any benefits. You will also have to pay all your taxes and S.S. Good luck, I'm glad you got the offer, and hope you can work something out.

by Leni C- 10 months ago

~~To be covered under a group plan you must receive a salary from them. You would not qualify as independant contractor.~~

by debijs- 10 months ago

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by CAROLYN W- 10 months ago

As usual, you are TERRIBLY CONFUSED. Sooooo sorreee! lol No, Bink, you're not gonna get ANY healthcare coverage whatsoever as an independent contractor. You're SUPPOSED to set your rate high enough to cover your increased SS contribution, healthcare coverage, pension / 401K contribution(s), and on and on and on. You're NOT an employee; get used to it!

by Ag M- 10 months ago

They cannot- an independent contractor is responsible for his own insurance, self-employment tax, workers compensation, unemployment insurance, and other benefits. These can be quite costly. Have you thought about asking them to hire you as a full-time employee in exchange for a lower wage (to compensate for their added expenses)?

by Lisa K- 10 months ago