Are independent contractors covered?

Any self-employed person may opt-in to the state plan. This includes sole proprietors, independent contractors, partners, and joint ventures. When electing to use the state plan, self-employed persons must participate for an initial period of three years, and one year thereafter.

Self-employed people who choose to participate must cover the employee share of the premium and are required to work 820 hours in the qualifying period to be eligible for benefits.

For more information regarding self-employed persons using the state plan, see the RCW here: Elective Coverage – Self Employed.