Oh, yeah -- IC's don't get Workman's Comp.....
but they *can* and *should* pay for their own Long Term Disability Insurance, which works the same way pretty much.
This is not complicated. Nurses Service Organization, the folks that sell those malpractice policies that I'm sure all of you have gotten mailers on, sells one for a very reasonable rate. I'm not sure what their web page is, but if you do a search for them you will find them. Try www.NSO.com
-- that may be it.
Benefits are not hard to understand. It just requires a little math, much less complicated than doing an IV rate formula. It is entirely possible for individuals to purchase their own health insurance, malpractice insurance
($7 a month people -- come on!), disability insurance, accidental death and dismemberment. Investors will be thrilled to set up retirement plans for you. And "vacation pay" is simply however many weeks off you want to take per year, divided into the remaining weeks/hours that you intend to work during the year. Say you're getting $30/hr. and your employer is offering you "2 weeks paid vacation!" -- they are giving you an extra $2400 a year. Divided over the remaining 50 weeks in the year that would translate to around $1.25/hr. Doesn't seem quite so magnanimous now, does it?
Get a list of the benefits that your employer offers that you actually use. Call some insurance agencies, and get quotes. $300/mo. sounds awfully expensive for health/dental insurance -- but that is less than $2/hr on your wage. Yet, unbelievably -- some nurses think that if they are making $30 *with benefits* that is better than making $35 without!