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A back injury – possibly caused by some overexuberant dancing at a wedding – put Anthony Beilin out of action for six months. Luckily, he worked full-time, at Aviva. His income didn’t suffer, and he received all the physical and emotional help he needed. But when a contractor friend came to see him – and told him of his loss of income and benefits while off from a knee-op – the proverbial lightbulb went off in Anthony’s brain. Why, he reasoned, should gig-workers, freelancers and contractors be deprived of sick pay, holiday pay and other benefits just because of the way they work? This issue became especially pressing during the pandemic – giving Collective Benefits a perfectly-timed opportunity to step into the breach.