In FD: Work platform Temper covers self-employed persons against disability

11/12/2023

Rik Winkel

fd, april 7, 2022

Summary

Rik Winkel's FD article spotlights Temper's revolutionary approach to Social Protection for Self-Employed Workers. In a pioneering move, the digital platform introduces collective insurance for temporary disability. Founder Niels Arntz touts it as a world-first, providing a safety net for self-employed individuals. While the debate on social protection continues, Temper breaks the impasse by automatically offering insurance against legal liability, accidents, and two years of disability.

Niels Arntz envisions a more socially responsible labour market through Temper's insurance initiative, stating, "This is not just about business strategy; it's about shaping a future where every worker, regardless of employment status, can navigate a secure path in the world of work."

Temperarily bridging traditional and self-employment, Temper serves as a digital notice board for catering, retail, and logistics jobs. About 20,000 people engage with the platform, working an average of 28 hours monthly. Insurance premiums, indirectly covered by clients, represent a novel approach to funding social security for self-employed individuals.

Crucial in the ongoing discourse on bogus self-employment, Temper's move is positively received. While legal experts appreciate the effort, questions linger about why platform companies need help integrating desired flexibility within employment contracts. Critics argue that adding social security contributions or payroll tax would disrupt the revenue model, making self-employed individuals more cost-effective.

The upcoming lawsuit by unions FNV and CNV against Temper adds complexity. Temper's insurance coverage may strategically demonstrate social responsibility amidst legal challenges.
Despite union opposition, the Court of Audit mandates separate disability insurance for self-employed individuals. Temper's insurance aligns with this but extends the safety net for all workers unable to work due to illness.

Temper's insurance for "freeflexers" offers coverage against accidents and disability for approximately €40 monthly. After ten shifts through Temper, these workers receive 70% of income for two years, increasing to 90% in the first year for FreeFlex Foundation members.

Founder Niels Arntz emphasises this move isn't just a business strategy but reflects a moral responsibility toward creating a future-proof labour market. Temper's insurance, purchased through digital insurer Alicia, aims to revolutionise how self-employed workers approach social protection. The impact on the broader gig economy remains to be seen as the platform evolves.

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Read the original article here.

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