
One of the greatest fears of being an independent contractor is the fear of coming down with an unforeseen injury or illness. With my shit agency "health" plan offering a paltry $7,500 annual maximum benefit allotment ($1,500 annual limit for the surgeon/$250 limit for the anesthesiologist/and $250 daily limit for hospital room and board) getting sick is impossible. I, like many of those around me, undoubtedly cloak themselves under a "it won't happen to me" umbrella of denial. As luck would have it, last weekend the wind came up and tore off my umbrella.
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