FAQs

Yes! Flexibility is one of the biggest advantages of independent contracting.

Yes — always review the contract! Pay rate, cancellation policies, scope of work, and insurance requirements matter.If unsure, consult an attorney.

Yes. Because you operate as an independent business (sole proprietor or LLC), you are responsible for maintaining your own professional and general liability coverage. This protects you and your business from claims related to your work, errors, or accidents while on assignment. Resource: Caregiver Liability Insurance Quote (CM&F): https://access.cmfgroup.com/s/formrouter?producer=0031K00002jLdoGQAS

Yes! Accurate time logs and receipts support invoices, bookkeeping, and taxes. Record-keeping should generally be kept for 3–7 years.

No. Independent Contractors must bill taxable income. Stipends offered to W-2 travelers cannot be applied the same way.

Yes. Independent Contractors typically receive a 1099-NEC from each agency or facility where they earned $600 or more during the year.

You submit invoices directly to the agency or facility. Payments are made with no taxes withheld.

IRS Self-Employed Tax Center IRS 1099-NEC Guide SmartAsset – Independent Contractor Tax Guide Apply for an EIN (IRS) IRS Business Structure Guide SBA Guide: Choosing a Business Structure

Common deductions include mileage, uniforms/supplies, licensing fees, continuing education, scrubs, equipment, and a portion of your phone or home office (if applicable).

Very important. Keep detailed records of income, invoices, mileage, receipts, and business expenses to maximize deductions and stay audit-ready.