Do real estate agents have health benefits through their employer/broker or must you pay for your own plan?
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Real Estate Agents are Independent Contractors & do not have an employer in the eyes of the I.R.S. There are very strict guidelines that must be adhered to to retain that "self employed" independent contractor status. If a Real Estate Agent wishes to purchase health insurance they must do so on their own & it can not be provided by their broker of record.
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Also, a real estate company is in the business of of selling real estate so it is within their coarse of business to hire people who can make that happen; that eliminates pretty much everyone who could actually pass part A.
THE TEST AS PER CA SUPREME COURT in Dynamex vs Superior Court
1) Part A of the test requires that the worker is free from the control and direction of the hiring entity in connection with the performance of the work, both under the contract for the performance of the work and in fact; and
2) Part B of the test requires that the worker performs work that is outside the usual course of the hiring entity’s business; and
3) Part C of the test requires that the worker is customarily engaged in an independently established trade, occupation, or business of the same nature as the work performed.
4) The contractor must actually be in business for themselves. Would love to hear thoughts about this.