With the explosive growth of teleworking and
outsourcing, it is no surprise that our workforce is shifting from employment
to contracting. Workers see an instant uptick in their take-home pay without
all the payroll deductions, and being the optimists we all are, see a bright
future of freedom and working for oneself. Employers also like the reduction of
payroll overhead, as well as office space expenses, worker's comp, and a
hundred years of growth in employee benefits. They also appreciate the removal
of the pesky laws against unlawful termination, sexual harassment, employing
illegal aliens, unpaid overtime, discrimination, and all the "socialist" rights
workers have gained since Oliver Twist.
The internet has fueled this mass conversion to
contracting through the outsourcing portals where employers can find workers
from Pasadena to Pakistan, mostly the latter. The mantra is self reliance and
trusting the labor market's supply-and-demand to determine the new workforce
model. The result is often a faceless commodity of labor without the company
water cooler available to breed human interaction, unstructured idea exchanges,
or workplace loyalties.
Meanwhile, politicians and the public regulatory
sector make a show of producing ever more laws to protect and benefit employees
while proclaiming how a laissez-faire attitude to the internet will insure
America's prominent position in that engine of high-tech prosperity. Almost as
though they don't read their own statistics, they seem unaware that this
approach helps a shrinking worker class while ignoring an emerging working
class. This isn't just a morality problem but also a voter count problem.
Aspiring politicians could safely ally themselves with 100K Ford workers at the
expense of their 100 bosses, but what if the current shift converts workers to
bosses?
Barely a generation ago, the pendulum swung to its
apex of a largely unionized workforce with a culture of entitlements, but is
now swinging so far in the other direction that even Ayn Rand might be
concerned.
This is where eTaskBoard can and will be
different. We are structured and aligned to right-size between the extremes of
an outdated workforce bloated on entitlements and the emerging one left out in
the cold with no worker support systems. Since the U.S. Internal Revenue
Service has made a Form SS-8 determination that eTaskBoard hires
contractors, each eTaskBoard's Coordinator has the flexibility to
experiment and evolve the worker support systems best for their specialty.
Because each eTaskBoard is most effective at under a few hundred
workers, often many fewer, Coordinators have the ability, indeed the directive,
to understand their workers as individuals, and can leverage this awareness to
design a worker support system, a.k.a. benefits package, whose value-to-cost is
optimized for their eTaskBoard.
An eTaskBoard of moonlighting physics
professors or housewives, for example, may not benefit from medical insurance
coverage already provided by their university or husband, whereas an
eTaskBoard of software programmers would be disappointed to learn how
much such coverage costs when purchased as an individual. In such a case, a
Coordinator may offer or even require medical insurance coverage for his
eTaskBoard workers to insure their productivity after medical
emergencies. Such a savvy Coordinator understands the mindset of his healthy
young software programmers, that they are indestructible and unwilling to
forego any short-term income for medical protection. The Coordinator provides
this worker support service not just to look out for the true needs of his
workers but also the true needs of his eTaskBoard. Along the same lines,
the Coordinator of an eTaskBoard for parolees may require periodic drug
testing as a worker support service.
To wade through the components and options of worker
support systems, Coordinators need solid HR skillsets and resources, most
directly applicable from brick-and-mortar employer experience. For this reason,
an eTaskBoard may even be fielded as a department of an HR firm with
experience and procurement power for the needed worker support system
components.
To design a right-sized system of worker support
components, Coordinators need to begin by reviewing a comprehensive list of
such components and their options. Some of the components, like medical
insurance, will be obvious, but some, like time management training, may not
seem self-evident even though we have learned how vital it can be to many
eTaskBoards. Below is presented a list of such worker support
components, mainly to show their surprising number and breadth. For more
thorough coverage of each, as well as links to practical resources related to
each, Coordinators should consult eTaskBoard's online knowledge base,
particularly the sections to which only they have access.
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Worker Support Components |
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The worker support system components (a.k.a benefits)
are presented in alphabetical order since their priority order is to be
determined by each Coordinator based on the specialty of their
eTaskBoard.
- 401(k) and IRAs
- Since the IRS has ruled that eTaskBoard
workers are contractors, eTaskBoard cannot provide a a 401(k) or IRA
retirement savings plan to its workers. The IRS
code, however, allows, even encourages, business owners, as
employees of their own companies, to establish 401(k) and IRA plans for
themselves. As contractors, most eTaskBoard workers are classified as
qualifying employees of their own companies. The main reason they don't
establish 401(k) or IRA plans for themselves is an unfamiliarity with the
policies, procedures, and benefits of doing so. Coordinators who become
competent in the subject, with the help of retirement planning specialists, can
streamline the process for eTaskBoard workers to the point that it
resembles an employer offering a 401(k) or IRA benefit plan. As an ancillary
benefit, Coordinators can point out that a 401(k) or IRA plan set up this way
will remain under the eTaskBoard worker's control, unlike 401(k) or IRA
plans administered by an external employer. Also worth considering are
Simplified Employee Pensions (SEP) which are a cross between a 401(k) and an
IRA, but require much less paperwork and have a higher limit than an IRA.
- Business Address
- A minor point but also a minor cost, providing an
eTaskBoard worker with a business card after a short vesting period has
a solid ROI on pride and loyalty. Including the use of the physical business
address on the card brings a collection of benefits. Most teleworkers operate
out of their home. Whether requesting a product catalog, filling out forms,
applying for a loan, or just appearing more legitimate, they sometimes need to
put a location other than their bedroom. An eTaskBoard that has a
physical business location can accept mail to the attention of anyone at that
location. Such postal mail can be forwarded or scanned and attached to email to
the teleworker as an eTaskBoard benefit. Its cost can be passed on to
the teleworker, but given the shift away from postal mail, its cost will be
small and shrinking such that Coordinators may decide to lump it into their own
postal costs. For an eTaskBoard operating out of a bedroom, the online
knowledge base provides information about how to secure a physical business
address for less than the cost of leasing even a small office.
- Custom Benefits Planning
- A Coordinator who engages in dialog with each
eTaskBoard worker about their lifestyle needs will at the least learn
valuable information about the worker. Commonly, the Coordinator will discover
opportunities to leverage the purchasing power of a business to provide a
benefit to the worker as a conventional "cafeteria plan" or to experiment in
unconventional ways. The eTaskBoard knowledge base has a list of
creative options to suggest, such as to open a procurement account for a worker
unable to qualify for a credit card, to fund it with wage distributions, and
then to use the corporate credit card to purchase products online as directed
by the worker. Key is to use the suggested list to stimulate the worker's
thought process and to present eTaskBoard as an agile business willing
to consider creative options to cement the working relationship.
- Dental Insurance
- See Group
Insurance.
- Disability Insurance
- Since the public sector would be forced to provide
at least some assistance in most cases of long-term disability, they offer or
subsidize insurance plans to prevent unfunded worker disability. This can take
the form of voluntary contributions of a self-employed eTaskBoard
worker, or through eTaskBoard if a qualifying policy can be negotiated
with an insurance carrier.
- Disability Support Products & Service
- The physically disabled form an important component
of any teleworking specialty, in fact, they form a captive eTaskBoard
workforce if their inability to commute is severe enough to make
eTaskBoard their only viable work option. Common PC accessories already
familiar to the disabled will go most of the way to overcome disabilities, but
a Coordinator familiar with accessibility options can overcome much of the
rest. The process begins with an openness during the interview to discuss the
disability, a review of the eTaskBoard knowledge base in this area, and
then implementing solutions as simple as automatically adding to every task's
"In the Loop" field the care giver of a disabled worker.
- Drug Screening
- Although not normally considered an employee
benefit, Coordinators can nonetheless present it as such with the idea that it
provides respectable colleagues from among high-risk worker demographics, for
example, recovering drug users.
- Financial
Planning
- Traditional employee benefits like unemployment
insurance, paid vacations, sick leave, and retirement plans take on new meaning
for teleworkers. eTaskBoard workers can choose how (un)employed they
wish to be, as well as suffer under-employment when they are ready to work.
Being insured against unemployment becomes nearly impossible when unemployment
is defined so subjectively. Since a teleworker can choose to work from a
vacation destination, even part-time during a vacation, time off for a vacation
becomes another subjective call. Much the same can be said for (not) working
while sick. eTaskBoard workers can ease into retirement at will, in
fact, retired part-timers make great eTaskBoard workers. The best
response to this entire class of needs is the financial planning that yields an
effective mix of financial resources, including liquid assets available for
emergencies. 9-to-5 employees switching to eTaskBoard rarely come with
skillsets and experience to develop such financial plans. Fortunately, a
community of financial planners exist, some with skillsets and experience in
just this kind of planning. Coordinators can establish group accounts with such
financial planners to customize a plan template for each eTaskBoard
worker and then to encourage adherence to them.
- Group Insurance
- Although eTaskBoard may find difficulties
obtaining group coverage with insurance carriers accustomed to companies with
regular employees, teleworking is becoming popular enough that progressive
carriers are willing to consider any arrangement that passes on economies of
scale to any entity that can deliver volume policy sales. Key is that
Coordinators need to become familiar with several complex industries in order
to provide viable options to their workers, including insurance support options
provided by the public sector based on financial need.
- Guidance Counseling
- Conventional companies provide an organization
chart with career growth options vertically up the chart as well as
horizontally. eTaskBoards come with a growth path in terms of labor
rate, but not in terms of promotions and career changes. For that, Coordinators
need to get involved on an individual worker basis and put in place appropriate
support services. The process can begin with either fee-based or public sector
career guidance counselors. If an eTaskBoard caters to entry-level
workers, for example, the Coordinator should pre-arrange relationships with
eTaskBoards catering to expert-level workers as part of a career
migration path. Workers may belong to more than one eTaskBoard, and
Coordinators need to be alert to other eTaskBoards well matched to their
under-utilized workers. The Coordinator of an eTaskBoard focused on
medical transcription services, for example, can point an under-utilized Native
American to an eTaskBoard focused on his tribe's workers across
skillsets.
- Legal Assistance Plans
- This works the same as the employee benefit. The
Coordinator negotiates a support package with a law firm offering such group
plans. They rarely care whether eTaskBoard workers are contractors or
employees. A significant plus is if the law firm will agree to working tasks
using the Task Meister component of eTaskBoard, thus providing process
familiarity and task visibility to eTaskBoard workers.
- Life Insurance
- See Group
Insurance.
- Loan Counseling
- Most personal loan applications are tailored to
old-world employees, particularly mortgage loans and auto loans looking for
standard employee paystubs. Such loans are possible for the self-employed, but
the qualification requirements are more difficult. This will undoubtedly
improve over time as contracted teleworkers become more common, but until then,
Coordinators can arrange third-party loan counseling to eTaskBoard
workers. With planning and positioning long before they need a loan,
eTaskBoard workers can present themselves as much better loan candidates
later.
- Medical / Health Insurance
- See Group
Insurance.
- Need-Based Assistance
- Just as some backward financial institutions
penalize loan applicants unable to produce a "proper" paycheck, outdated
financial need criteria based on similar criteria may allow eTaskBoard
workers to qualify for assistance from the public sector. Unemployment
assistance, for example, may be available to workers transitioning to
eTaskBoard as long as tasks are structured so the worker continues to be
available for employment. Coordinators who understand need-based assistance
programs, some national, like food stamps, some regional down to the county
level, can effect a net income increase to the workers in their charge.
Particularly relevant are the retooling programs focused on transitioning
workers from jobs classified as shrinking, often due to foreign competition,
into growth industries, which eTaskBoard can easily claim. Also,
Coordinators can negotiate favorable terms for many of the other benefits on
this list (financial planning, legal assistance, loan counseling, tax planning,
tuition reimbursement, etc) if applicable need-based criteria are
leveraged.
- Paid Vacations
- See Financial
Planning.
- Profit Sharing
- With Coordinators responsible for the profit of
their eTaskBoards, they also have discretion regarding profit
distributions. Most online resources describing and recommending profit sharing
policies and procedures for employers are applicable, except those concerning
legal issues. Profit sharing arrangements to contractors are less restrictive
in terms of disclosure and other employee protections, the implication being
that contractors come more savvy than employees regarding profits, risk, and
related issues, which may or may not be true for eTaskBoard
workers.
- Retirement Benefits
- See Financial
Planning.
- Sick Leave
- See Financial
Planning.
- Social Networking
- Initially underestimated by most teleworkers, the
social alienation of working alone can have profound productivity consequences
after prolonged periods. Chasing the Fedex driver to talk sports, for example,
grows into a time-consuming twitter addiction or just an escape out the door
since the boss isn't watching. Anticipating this, Coordinators establish
corporate accounts on Facebook or My Space where teleworkers present their
social data, hobbies, and interests with an eye to promoting after-work
interactions, face-to-face when possible, online otherwise. Coordinators also
pay the nominal fee to establish eTaskBoard guilds on MMORPGs (Massively
Multiplayer Online Role-Playing Game) such as World of Warcraft, Second Life,
and Sim City (simulation) where the team spirit also builds loyalty among
project colleagues and toward the eTaskBoard itself. Lots more info on
policies and procedures regarding this in the eTaskBoard knowledge base,
for example, on ways to keep such guilds dark during work hours.
- Tax Planning Consulting
- This works similarly to the employee benefit with
the same name, but its value to the worker is greater. As a contractor,
eTaskBoard workers have many more options for tax deductions and income
sheltering strategies than employees, but they often won't know about that,
especially if they are newly arrived from a career as an employee.
Implementation requires the Coordinator to negotiate a support package with a
tax accounting, tax preparation, or tax consulting firm.
- Time Management
- This is arguably the single most important non-pay
benefit an eTaskBoard can provide its workers, and one whose value new
workers may not appreciate until their goals are not met regarding billable
hours. The transition from a life-long efforts-based work culture to a
results-based one is more than just traumatic. Most eTaskBoard workers
are simply unprepared to take charge of their own work time without a boss's
encouragement. They arrive untrained in how to plan their day, restrict
interruptions, prioritize, and get tasks done. Coordinators must become experts
at providing this worker support component from strategies down to tactics as
detailed as what kind of radio station to (not) listen to in order to maximize
productivity. The eTaskBoard knowledge base has plenty of resources, but
it is by no means comprehensive. There is no substitute for Coordinators
maintaining ongoing online research and education in the field of time
management and workforce productivity, to become participating members of that
learning and application community, to cultivate a network of specialists and
consultants, and to use the eTaskBoard platform to experiment and
advance their hands-on expertise. Teleworkers newly wounded in the school of
hard knocks may seek out an association with eTaskBoard primarily for
this benefit.
- Tuition Reimbursement
- Besides the tutorials and tests that are part of
eTaskBoard, Coordinators may decide to provide part or full tuition
reimbursement for targeted online or computer-based classes, the same as
employers. eTaskBoard'stask reporting system is useful to spot trends of
skillset requirements and to target education to gain skillsets to meet those
growing requirements.
- Unemployment Insurance
- See Financial
Planning.
- Welcoming / Onboarding
- Almost all of eTaskBoard's workforce
relations can be automated through the software developed for that purpose, but
that doesn't mean personal contact is to always be avoided. Such personal
contact is most valuable when workers first join eTaskBoard, when a
reassuring human can go down a list of orienting activities using the
eTaskBoard chat system as well as virtual meetings to instill a sense of
community and to insure an understanding of policies and procedures. If
eTaskBoard workers originate from a geographic region bounded enough for
centralized meetings, a quarterly in-person meeting is worth considering,
particularly during the formation of a new eTaskBoard.
Although classified by many companies as employee
benefits, services such as a rich selection of wage disbursement options and
skillset testing are not listed above if they are intrinsic to the operating
modules of the eTaskBoard software.
Coordinators considering all this may be asking
themselves, "If I provide enough of these worker support system components, how
am I any different from a regular employer?" The answer may be that in a sense
they are not. They may evolve the "regular" next generation business entities
where the cost of entry has never been lower, and the definition of employer
and contractor will be limited only by the creativity of each Coordinator.
In summary, eTaskBoard may become the platform
on which future workforce models are incubated, experimented, and
evolved. |