You suffered a serious injury on the job. You had been focusing on a task when a coworker dropped a piece of equipment above you. Even though you had a hardhat on, it didn't protect you from the rapidly dropping item. The impact cracked the hat open and left you with a concussion. Yes, it could have been worse, but still, you have a serious injury to contend with.
Let's say you show up to work at your construction job every day and work carefully alongside your colleagues - who are painters, carpenters and roofers. It looks like you're all employees together, and the same boss pays your salary. The thing is, you're classified as an "independent contractor," but coworkers are "employees."
Menards, a large home-improvement retail chain based in Eau Claire, Wisconsin, is the target of a federal complaint by the National Labor Relations Board (NLRB), accusing the superstore of misclassifying delivery drivers as independent contractors. Independent contractors do not enjoy the same workplace protections as employees, and would not, for example, be able to claim workers' compensation benefits after being injured on the job.
You retired last year, ready to have the easy life and get back to the woodworking project that's been in the garage for the last 10 years. Everything was great the first few months, until the boredom set in.