When is a Worker an Employee or a Contractor?

March 02, 2025 By Andrew Griffith, DBA, EA, CPA (NY), CMA, CIA, CFE, CRMA, NTPI® Fellow

Introduction

Some employers resist correctly classifying their workers. Their motive for misclassifying workers is usually a function of short-term thinking (e.g. saving money now). Sometimes this misclassification happens because of ignorance or bad advice.

A common misunderstanding is that if a worker is paid less than $600 by a business during a calendar year for work performed for that business, that worker is automatically a contractor and no paperwork (e.g. 1099-NEC, 1099-MISC, W-2, etc.) needs to be done. This is incorrect. A business (and its owners and managers) can experience serious, negative adverse (criminal, civil, and financial) consequences when misconduct involving misclassification of workers as contractors is determined by a regulator.

Unfortunately, the tendency is for those employers to classify their workers as contractors until those employers are caught by one or more national regulators (e.g. Internal Revenue Service, Occupational Safety and Health Administration, US Department of Labor, National Labor Board, etc.) or state and local regulators. Even when employers misclassify their workers as contractors (vs. employees), these employers remain liable for the employer’s taxes, unpaid statutory required benefits, and insurance costs associated with these misclassified employees.

A regulator can impose fines on these employers and, often, will share their determinations with other regulators. Other regulators can then impose their own fines on the offending employer. These same employers can experience both criminal and civil prosecutions over their misclassifications. Employers should be aware that their potential costs to navigate such a legal situation can include attorneys’ fees (including the other side’s costs) and punitive damages. The end result will almost always result in these employers spending far more to settle the issues raised by the regulators than it would have cost them to have complied with the law and classified their workers appropriately from the very beginning.

Criteria Used to Classify Workers

It is important to realize that there is no “silver bullet” or single factor that an employer can use to determine how to classify their workers. The courts will weigh several factors to determine if a worker is properly classified. If an employer has any doubt as to their ability to have their classification decision upheld in court, that employer should classify a worker as an employee instead of a contractor. The primary factors that a court will examine before making any conclusions are outlined below 1, 2, 3.

Conclusion

If a business owner or manager is uncertain about proper classification of their workers, that business owner or manager can contact an attorney who specializes in employment law or consult with a Certified Public Accountant, such as Andrew Griffith CPA. Alternatively, the default classification of a worker should be as an employee unless persuasive evidence exists that indicates otherwise, and a factually based reasonable belief (not hope or wishful thinking) exists that this conclusion will be upheld in court.

Sources

(1) IRS (2022). Worker Classification 101: employee or independent contractor (2) IRS (Rev. 3-2023). Publication 1779 (3) IRS (2025). Independent contractor (self-employed) or employee? (4) Graves, Elizabeth (2023). Which States Allow Dental Hygienists to Own Their Own Practice? Take Home Smile (5) McBeth, Katie & Taylor, Nate (2024). In What States Can Nurse Practitioners Practice Independently? Barton Associates