身边的经济学·社会常识英语30篇（2）
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Gig Work and Gaps in Social Protection
零工经济与社会保障覆盖缺口
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Ride-hailing drivers and delivery couriers often lack employer-provided health or pension coverage.
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Many are classified as independent contractors rather than employees under current labor laws.
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This status excludes them from unemployment insurance, paid leave, and workplace protections.
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Some platforms offer optional insurance, but uptake remains low due to cost and complexity.
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Countries are debating legal reforms to extend minimum standards to platform workers.
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Portable benefit accounts—tied to workers, not employers—could improve continuity.
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Tax collection also becomes harder when income flows through multiple digital intermediaries.
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Without stable contributions, future pension entitlements may fall far below adequacy thresholds.
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Regulatory uncertainty discourages both investment in worker benefits and formalization efforts.
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Balancing flexibility for workers with security remains a central policy challenge.