Nearly 60 million people in the U.S. fall into the broad category of independent workers. Those include contract, temporary and gig workers. Their jobs do not fall neatly into employer-connected benefit systems, so policymakers increasingly are exploring benefits that are instead attached to the worker. 

Several states have enacted legislation allowing portable benefits to be set up in their state. Other states have created programs that offer automatic enrollment for employees without access to an employer-sponsored plan. All those efforts are aimed at expanding the ways people save for retirement and other needs. 

On this episode to discuss the issue are John Scott, director of the Retirement Savings Project at Pew, Kristen Sharp of the Flex Association and Karen Kavanaugh, who's working with Tufts University on the Working While Caring Initiative.

All three talked about how the worker benefits system can better serve people in the changing economy and provide them with greater financial security.

Scott laid out the scale of the challenge to improve financial security for Americans and Sharp discussed how portable benefits can help the people her group serves, the millions of people whose work is app-based and need a better system to receive benefits. Kavanaugh is focused on how benefits employers provide can be better shaped to help the tens of millions of people in this country with caregiving responsibilities. She's overseeing a pilot project that's exploring how smaller employers can build in the flexibility needed by many caregivers. 

Resources

• Portable Benefits for Independent Contractors: A Framework for State Policymaking, NCSL
• States, Employers Weigh Portable Benefits for Independent Workers, NCSL
• Workers Without Access to Retirement Benefits Struggle to Build Wealth, Pew