“Uber-ized” a term that has come to mean becoming a self-employed person. You work on a contract or 1099 basis and everything is up to you now. No “Boss”, no time-clock, no benefits and no insurance.
If you want benefits and insurance, you need to arrange for those yourself now. Given the current premiums and deductibles, even getting those are iffy, at least at first.
What do you do in the meantime? Do you have to settle for having nothing? The good news is no, you don’t. There are other options out there that while maybe not as full-featured or as comprehensive as Major Medical, offers something to help you when times get tough.
You know now as an “Uber-ized” worker that while you work on your own schedule, you have to put as much time in to working as possible. Not putting time into working means less money coming in and fewer bills getting paid.
So when, not “If” but “When”, that accident happens or some illness comes along and sideswipes you or a family member out of nowhere causing you to miss not just a little time from working but a lot of time, do you just accept having nothing or are you the type to think that something, even if it is not everything, is better than nothing at all?
If having something better than nothing sounds smart to you as it does to most smart folks, then perhaps learning about Voluntary Programs such as those offered by AFLAC will help you to be better prepared for times when illness or injury forces you to miss work.
Even if you do have Major Medical, that only increases the value of Voluntary Programs because while Major Medical pays the medical bills, you can put the Voluntary Programs to much better use paying for things you need at home while not able to work. Things like groceries, gas, rent or renting videos while you sit there propped up (if indeed you are just sitting there, propped up).
If you are self employed and you think having something is better than having nothing or if you like the idea of paying for the things you need to get by instead of just paying hospital and Dr. bills, then contact me and I will get you some very good information about how to be better prepared for those times when illness or injury keep you from making a living.