{"id":47,"date":"2026-06-06T21:42:41","date_gmt":"2026-06-06T21:42:41","guid":{"rendered":"https:\/\/rachelfortn.com\/blog\/?p=47"},"modified":"2026-06-06T21:42:41","modified_gmt":"2026-06-06T21:42:41","slug":"the-benefits-bill-the-gig-companies-wrote-for-themselves","status":"publish","type":"post","link":"https:\/\/rachelfortn.com\/blog\/the-benefits-bill-the-gig-companies-wrote-for-themselves\/","title":{"rendered":"The benefits bill the gig companies wrote for themselves"},"content":{"rendered":"

Let’s talk about gig work.<\/p>\n

If you’re a writer like me who makes money posting on Facebook, or you drive for DoorDash, deliver for Uber Eats, clean houses through an app, do contract HVAC, or rent a chair to cut hair – any of the thousand kinds of 1099 work people here do to get by – this one’s about you.<\/p>\n

When you work a W-2 job, your employer is on the hook for things. They pay half your Social Security and Medicare taxes. They pay into unemployment so there’s a check if you get laid off. They have to pay a minimum wage.<\/p>\n

When you’re a 1099 contractor, you get none of that.<\/p>\n

You pay both the employee and the employer share of Social Security and Medicare yourself – the full freight. Most contractors can’t get traditional unemployment. In most cases there’s no minimum wage protection under you at all. The company keeps it that way on purpose, because a contractor is a lot cheaper than an employee. The sponsors of the federal bills I’m about to talk about put the number at 27 million independent workers, and it climbs fastest in places like ours, where steady jobs keep getting replaced by piecing together app work.<\/p>\n

So there’s a real problem, and people are finally talking about a fix. It’s called portable benefits. The idea’s decent: instead of benefits being chained to one employer, you get an account that belongs to you and follows you gig to gig. Tennessee passed a version last April – the Voluntary Portable Benefit Plan Act, signed by Governor Lee. There are two bills in Congress right now aiming to do something similar nationally.<\/p>\n

Here’s the catch. The main federal one – Senator Cassidy’s Unlocking Benefits for Independent Workers Act – is built around two ideas: voluntary contributions, and a safe harbor for the companies.<\/p>\n

Voluntary means the company doesn’t have to put in a dime. DoorDash can chip in a few bucks or chip in nothing, their call.<\/p>\n

The safe harbor is the part I think the companies actually want. It’s designed so that when a company does contribute, those contributions can’t be used as evidence that you should’ve been treated as an employee all along. So the deal on the table is this: you stay a contractor, you keep lacking minimum wage and unemployment and an employer paying half your taxes, and in return you get an account the company isn’t required to put anything into. You give up a lot and they promise nothing.<\/p>\n

And guess who helped write it. In Wisconsin last year DoorDash spent nearly two million dollars lobbying for one of these bills – more than any other group in the entire state, twice the next closest. Uber and Instacart’s parent company piled on more. The legislature passed it and the governor vetoed it, saying it locked drivers into contractor status without guaranteeing them a thing. The federal package is backed by the same outside groups – the ones funded by the platforms – pushing it hard in Washington.<\/p>\n

When the companies that fought for years to deny you benefits suddenly spend millions to pass a benefits bill, there’s a reason. They wrote it to lock in the cheap-labor setup before anyone makes them pay for it.<\/p>\n

This is exactly why one of my six core fights is about lobbyists. When a corporation’s lobbyists write a bill, their name should be on it – right there on the page, so you can see who actually drafted the thing your congressman is voting for. And when a member of Congress leaves office, they should have to wait much longer before they can turn around and get hired to lobby their old colleagues. The portable benefits setup is what happens when neither of those rules exists. The people who wrote it stay invisible, and the politicians who pass it know a lobbying paycheck is waiting on the other side.<\/p>\n

Now the honest part. A freshman in the House doesn’t pass a national labor law alone. It has to clear the House, get past a Senate filibuster that in practice takes sixty votes, and get a president’s signature. I’m not going to promise you it’s done by Christmas.<\/p>\n

But when one of these bills hits the floor written the way they’re written now, I vote no, and I say out loud why. And I push for the version that actually helps people, not the fake help they’re offering now.<\/p>\n

We should make the contribution mandatory – if a company takes your labor, it pays a small set amount into your account on every job. They can afford it. The account is yours and follows you everywhere. And it doesn’t cost you your rights. You keep the flexibility of gig work, the part people actually like, and you get a real floor under you too. The companies have sold that as an either-or your whole life. It was never an either-or – construction unions have run multi-employer benefit funds that follow the worker from job to job for decades. The model exists. The companies just didn’t want to pay for it.<\/p>\n

They’ll scream that mandatory contributions kill the flexibility and ruin the apps. They said it about minimum wage, they said it about overtime. A small payment per job doesn’t break a company worth tens of billions.<\/p>\n

I think about people in Memphis running two delivery apps to make rent, one fender-bender from losing the car that is the whole job. Or a guy in Benton County doing contract work at sixty-one with nothing saved, because no employer ever put a cent toward his retirement and he never cleared enough to do it himself. Done right, portable benefits help those people. Done the way DoorDash wants, they get an empty account and a permanent stamp that says not our problem.<\/p>\n

So that’s the fix. Mandatory contributions, worker-owned, no trading your rights away to get them. Vote down the corporate version every time, and keep the real one on the table until it’s too popular to ignore.<\/p>\n

That’s just one of the things I’ll fight for if you send me to Congress.<\/p>\n

\n

Sources<\/h3>\n
    \n
  1. Senate HELP Committee – Cassidy\/Scott\/Paul portable benefits package<\/a><\/li>\n
  2. Economic Policy Institute – on the portable benefits proposals<\/a><\/li>\n
  3. The American Prospect – The ‘Pro-Worker’ Portable Benefits Scam<\/a><\/li>\n
  4. The Badger Project – DoorDash Wisconsin lobbying<\/a><\/li>\n
  5. Stride – Tennessee Voluntary Portable Benefit Plan Act<\/a><\/li>\n
  6. Tennessee General Assembly – HB 494 fiscal note<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    Let’s talk about gig work. If you’re a writer like me who makes money posting on Facebook, or you drive for DoorDash, deliver for Uber Eats, clean houses through an app, do contract HVAC, or rent a chair to cut hair – any of the thousand kinds of 1099 work people here do to get […]<\/p>\n","protected":false},"author":1,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,5],"tags":[50,30,51,48,52,41,19,18,49,12],"class_list":["post-47","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-district-5","category-federal-policy","tag-1099-workers","tag-affordability","tag-doordash","tag-gig-economy","tag-labor","tag-lobbying","tag-memphis","tag-money-in-politics","tag-portable-benefits","tag-tn-5"],"yoast_head":"\nThe benefits bill gig companies wrote for themselves<\/title>\n<meta name=\"description\" content=\"The portable benefits bills in Congress were built around what gig companies want. 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