As Nitschke points out, its all part of the lack of the social safety net for freelancers. More people are freelancing than ever before, with the U.S. General Accountability Office estimating that 40.4% of Americans now do some type of contingent work.

However, as Ive frequently noted in this blog, neither the government nor many financial and insurance services businesses have caught up. The entire system is designed with W-2 workers in mind.

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