Unlocking Benefits for Independent Workers Act

This bill changes how federal law determines if an independent worker (like a freelancer or gig worker) is classified as an employee. It prevents employers from using portable benefits (such as health insurance or retirement plans maintained without ongoing work) as a factor in that determination. Specifically, it prohibits considering whether a worker has access to benefits common to full-time employees, receives employer contributions to benefits, or contributes to benefits. As a result, independent workers who currently lack employee status for benefits may become eligible for protections like minimum wage, overtime, and unemployment insurance under federal law.