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Affordable 2021 health insurance coverage offered to gig workers, small businesses by new carrier

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LAS VEGAS (KLAS) — Friday Health Plans, a new health insurance carrier specializing in affordable plans for gig workers, freelancers, contractors and small businesses is reminding Nevadans they must enroll by 11:59 p.m. on Jan. 15 for health insurance coverage to be effective Feb. 1, 2021.

The plan is available on Nevada Health Link, the online health insurance marketplace operated by the Silver State Health Insurance Exchange.

With less than two weeks remaining in Open Enrollment 2021, consumers can visit the online marketplace to shop for qualified, compliant with the Affordable Care Act today.

According to Nevada Health Link, Friday Health Plans offer the lowest priced Silver plans in Las Vegas and the lowest priced Bronze plans in Las Vegas and Reno.

Friday Health Plans benefits include unlimited:

  • $0 primary care visits and mental health visits
  • $0 preferred generic drugs
  • $0 virtual doctor visits
  • $0 annual wellness exams
  • $75 co-pay for urgent care clinic visits on most plans before paying a dime toward deductible

Friday Health Plans partners with the Hometown Health medical provider network to help consumers find a doctor or specialist to meet their healthcare needs.

In Southern Nevada, in-network hospitals include:

  • MountainView Hospital
  • Southern Hills Hospital & Medical Center
  • Sunrise Hospital & Medical Center
  • University Medical Center (UMC)
  • Desert View Hospital
  • Mesa View Regional Hospital

More than 30 Quick Care locations are available, including:

  • CareNow Urgent Care
  • Goodnight Pediatrics Nevada
  • Healthcare Partners of Nevada
  • UMC Quick Care

Renown Health also serves Northern Nevada with more than 30 locations throughout Reno, Sparks, Carson City, Fernley, Fallon and Silver Springs.

All Friday Health Plans cover all essential health benefits, including pre-existing conditions and COVID-19 diagnosis and treatment.

For more information about Friday Health Plans, call 844-535-2000 or visit their website to do side-by-side plan comparisons, use the “find a doctor” portal, get a quote and buy a plan.

Open Enrollment for 2021 is happening now through Jan. 15, 2021. Those who enroll by January 15 will have coverage effective February 1, 2021.

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Gig workers need fair deal in our ‘convenience’ economy

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COMMENT | In a simpler age, there was only one number to remember for food deliveries. Helpfully, there was a jingle that was repeated often on the few radio stations that operated back then. There were fewer digits in the telephone number itself which made it fit better in a melodic hook that was only a few seconds long (though I can’t recall hearing a Malay version of tujuh-lima-lima…).

You had the option of ordering various pizzas, garlic bread, or simple pasta dishes, which were a huge treat back then, what more the novelty of having it delivered directly to your front gate.

Of course, today food deliveries are common. Some are still operated by the restaurants, but usually, they are available through popular food delivery apps, which are the bedrock of the convenience economy.

Consumers are now able to get access to food, goods, and services whenever, wherever, and however they like, made possible by hundreds of thousands of people zigging and zagging their way across cities.

Like many things, the pandemic and multiple lockdowns have sped up the widespread adoption of delivery services by businesses and customers, but it was already a growing trend before that.

It made sense. Why spend time travelling, parking, and all that hassle waiting for food elsewhere, when you can just make a few taps and continue being in the comfort of your own home? There are also a huge number of promotions and deals giving you discounts on your orders, while earning you points for more deals in the future. It’s not a difficult choice to make, and this was pre-Covid-19.

Once the virus was in the picture, staying home was not only the…

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How to decide if a gig economy worker is an employee or self-employed? Guidance from UK Supreme Court’s decision in landmark Uber case

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Introduction

In recent years, the advance in technology and shifting economic conditions have contributed to the emergence and rise of “gig economy”. Gig economy refers to on-demand, peer or platform economy. It often involves a business model where individuals take up on-demand jobs or gig works through digital platforms such as a smartphone application or website. Popular examples of such applications in Hong Kong include Uber and Deliveroo.

While gig workers are often viewed as “self-employed persons” or “independent contractors” in many jurisdictions and are unable to enjoy protections under labour law, a recent UK Supreme Court decision classified Uber drivers as “workers” and ruled that they are entitled to minimum wage, paid leave and other legal protection. Although the services provided by Uber has been ruled illegal in Hong Kong, the case sheds light on the classifications of gig workers in general.

UK Supreme Court ruling

In Uber BV and Others (Appellants) v Aslam and others (Respondents) [2021] UKSC 5, the UK Supreme Court explored the employment status of private hire vehicle drivers who provide their services through the Uber application. The UK employment law distinguishes three categories of persons who enjoy varying degrees of labour protection, including: 

  1. those employed under a contract of employment (which is akin to the concept of “employees” under Hong Kong employment law); 
  2. those self-employed people who are in business on their own account and undertake work for their clients (which is similar to the concept of “independent contractors” under Hong Kong employment law); and 
  3. those “workers” in an intermediate class who are self-employed but provide their services as part of a profession or business undertaking carried on by someone else, who tend to have some characteristics of both of the above categories (but there is no such intermediate category of “workers” under Hong Kong employment law). 

The Supreme Court’s findings 

The Supreme Court considered the purpose of the relevant statutory provisions, which is to offer protection to those people who are in a subordinate and dependent position in relation to the employer and are vulnerable to exploitation.

In determining the status of Uber drivers, the Supreme Court took into account a number of facts found by the labour tribunal which point towards to the relative degree of control exercised by Uber over their drivers. These findings of facts include (1) Uber being able to fix the remuneration paid to drivers, (2) the contractual terms on which drivers perform their services are dictated by Uber, (3) once drivers logged onto the Uber application, their choice of accepting requests for rides is restricted by Uber, (4) Uber exerts significant control over how drivers deliver their services by various methods including vetting the types of cars, suggesting routes and using rating systems for managing performance and terminating relationship with drivers, as well as (5) restricting communication between passengers and drivers to prevent drivers from establishing any relationship beyond am individual ride. 

On the basis of the labour tribunal’s findings of facts, the Supreme Court ruled that Uber exerted tight control on the drivers and the services provided. The drivers were in a position of subordination and dependency in relation to Uber such that the drivers had little or no ability to improve their economic position through professional or entrepreneurial skill. In practice, the only way the drivers can increase their earnings was by working longer hours while constantly meeting Uber’s measures of performance. The Supreme Court found that the drivers were rightly found as “workers” under UK employment law.

Classification in Hong Kong

In Hong Kong, an individual may perform work as an “employee” or an “independent contractor”. As per the Court of Final Appeal’s decision in the leading case of Poon Chau Nam v Yim Siu Cheung [2007] 1 HKLRD 951, the modern approach to the question of whether one person was another’s employee is to examine all the features of their relationship against the background of the indicia developed in the case law with a view to deciding whether, as a matter of overall impression, the relationship was one of employment. The following indicia of employment, albeit not exhaustive, will be likely be considered by the court to decide whether there is an employer-employee between the parties:

  • the degree of control exercised by the employer; 
  • who provided the equipment for performing the services; 
  • whether the individual may hire additional helpers for performing the services;  
  • the degree of financial risk taken by the parties; 
  • the degree of responsibility for investment and management of the parties; and 
  • whether and how far the individual had an opportunity of profiting from sound management in the performance of his or her tasks. 

Although the classifications adopted by the English and Hong Kong Courts are not identical, and it seems that in Hong Kong there is a higher threshold for individuals to be entitled to protections under its employment law as “employees”, the case still sheds light on the possibility that the Hong Kong Court may reach an overall impression that gig workers such as Uber drivers are not independent contractors given the significant degree of control that the business has over the gig workers, which is an important factor that Hong Kong Courts would consider when determining whether an employer-employee relationship exists

At the same time, there have been calls on the Hong Kong Government to address the emergence and rise of gig economy and review the existing labour legislation to enhance protection of labour rights of gig workers. However, the Hong Kong Government has stated that it has no plan to expand the scope of the current employment legislation to cover selfemployed persons

Takeaways

For companies which adopt business models involving the provision of services by gig workers, it is imperative to consider the classification of such gig workers from an early stage and seek professional advice on the issue if needed. Whether an individual is classified as an “employee” or an “independent contractor” will have significant impact in terms of the statutory benefits enjoyed by the individual and the statutory duties and obligations imposed on employers, which may in turn affect the financial planning, risk management and business viability of the companies. 

 

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Egypt aims to register millions of gig workers for COVID-19 aid

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Temporary workers have been hard hit by the pandemic’s fallout but some may be wary about formalising their status

By Menna A. Farouk

CAIRO, March 1 (Thomson Reuters Foundation) – Egypt will start registering millions of gig workers in order to offer them health insurance and emergency state aid during the coronavirus pandemic, which has taken a particularly heavy toll on the nation’s ad-hoc employees, officials said.

There are at least 14 million gig workers in Egypt, and while some workers and campaigners welcomed the government’s drive, others warned that many workers could be reluctant to sign up – fearing tax and social security payment demands.

The government said it plans to identify and support 2 million gig workers in the country of 100 million people by the end of this year, labour ministry spokesman Haitham Saad El-Din said on Saturday.

“It is part of a government plan to give assistance to this segment of the society which has been majorly affected by the pandemic,” he said, adding that officials were focusing first on identifying casual construction labourers.

Gig workers who have their employment status registered on their national identity cards under a new “irregular employment” category will be given free social security insurance and be eligible for state welfare programmes.

Egypt’s state-run insurance plan includes life insurance and disability cover, as well as covering healthcare costs.

The announcement is the latest in a series of government measures aimed at shielding vulnerable groups from the economic fallout of the pandemic.

Soon after the coronavirus outbreak began, it launched a programme that supports irregular workers with monthly aid, and Egyptian President Abdel Fattah el-Sisi called for financial support to be boosted when a second virus wave took hold.

State welfare spending surged 36% in the first half of the current fiscal year, Finance Minister Mohamed Maait said recently.

ON THE BOOKS

Some daily labourers hailed the registration drive as a positive step, saying it would help bring them into the formal economy and recognise their economic contribution.

“Millions of Egyptians have been affected by this pandemic but it’s really good that the government is not leaving us behind,” said Farouk Mahmoud, 35, a temporary worker from the city of Sohag.

Still, while the latest data puts the number of gig workers at 14 million, the real number may be much higher – making registering them a daunting administrative task, said Bassant Fahmi, a member of parliament’s economic affairs committee.

Some workers may also be wary about being on the books.

“Many of them may fear being asked afterwards to pay taxes or insurance. That could mean a lot of gig workers avoiding being identified by the government,” she told the Thomson Reuters Foundation.

But besides any misgivings about being under the government’s radar, many gig workers in Egypt are more concerned about the dearth of permanent job opportunities – especially for young people – and the health of the wider economy.

“It isn’t crucial for me to have a job on my ID,” said Abanoub Lotfi, a 26-year-old driver for ride-hailing service Uber, who has a degree in commerce.

“What really matters is that the government offers me a stable job that suits my academic background and helps me afford my needs and those of my family.”

Related stories:

Tech-savvy women could beat COVID-19 job blues in the Arab world

Egypt begins COVID-19 vaccination drive with frontline medical staff

Egypt eyes slow return for tourism after revenues dive in 2020

(Reporting by Menna A. Farouk; Editing by Helen Popper; Please credit the Thomson Reuters Foundation, the charitable arm of Thomson Reuters, that covers the lives of people around the world who struggle to live freely or fairly. Visit http://news.trust.org )

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