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Top 5 freelancer sites to make money after an injury

If you miss work because of an accident, these 5 freelancer sites can help you make money until you’re back on your feet

If you have a comfortable full-time job, you probably aren’t necessarily looking to add to your workload by moonlighting on the side

But accidents can happen. And an unexpected injury could leave you without a source of income while you recover.

Each year in America, emergency rooms see about 30 million visits due to accidents and unintentional injuries. An accident can lead to expensive out-of-pocket medical costs. And if you miss work while you recover, that loss of income can add even more strain on your budget. 

Luckily, there are many ways to make money from the comfort of your home while you get some well-deserved R&R after an injury.

More and more Americans are making money as freelancers, either full-time or to supplement their day jobs.

In fact, 50% of millennials freelance in some capacity. And it’s predicted that most of the US workforce will be made up of freelancers within 10 years.

This growth in the freelance market has led to a variety of online resources to connect talented people with gigs. There are work opportunities for people with all sorts of different skill sets, and they don’t all require a Ph.D. or even a Bachelor’s Degree. 

From writing and video editing to teaching and customer service gigs, a huge array of jobs can now be done over the internet on a freelance basis.

Most of these sites operate similarly: you set up a profile, get connected with work opportunities, perform the task and get paid. And how you get jobs and the pay structure varies from platform to platform.

Here are 5 freelance sites, the types of gigs they offer and how they can help you make money after an accident. 

Upwork

Upwork connects freelancers of pretty much any skill set to people and companies seeking help with short- and long-term projects.

Types of gigs:

  • Long-distance teaching jobs
  • CAD drafting for engineers and construction professionals
  • Grant writers
  • Virtual assistants & customer service (good for people of any education background)

Payment:

Upwork’s fees go down as you do more work with any single client. This is to provide freelancers with incentives to do good work and to establish long-term relationships with clients.

Fees (per client):

  • 20% of first $500
  • 10% of $500.01 to $10,000
  • 5% above $10,000

Toptal

This more exclusive company caters mostly to freelancers with specialized skill sets. Toptal reviews freelancer applications, and accepts only 3% of them to join their network. 

This may be a good resource for higher paying opportunities, though the screening process does require time and effort to get into Toptal in the first place.

Types of gigs:

  • Web development
  • Web design
  • Financial advising

Fees:

You set your own hourly wage. The company adds a fee on top of that, which is paid by the client who hires you, so you get paid exactly what you ask for.

Freelancer

Freelancer is a highly accessible site that allows a wide range of freelancers with various backgrounds and skill sets to find qualified work.

To look for work on Freelancer, you can set up a profile and bid on job postings. Or a client may find your profile and book you directly. 

If you’re bidding for jobs, you may find yourself in competition with the lower rates of other freelancers. So you may want to be flexible with your rates if you use this platform.

Freelancer also hosts “contests” in which workers compete to get paying jobs.

Types of gigs:

  • Mobile app coding
  • Web marketing
  • Graphic design

Fees:

  • Fixed-price project: 10% or $5, whichever is greater
  • Hourly rate project: 10%
  • Contests: 0% or $5, whichever is greater
  • Services (non-project recurring work): 20%

Guru

Guru is similar to Freelancer. However, you find jobs only by bidding on them. 

One of the benefits of Guru is that they have 4 types of agreements you can choose to determine how you will be paid: 1) by Milestone, 2) by Task, 3) per Hour, or 4) Recurring Payments.

Guru focuses on higher skill types that are different than the other sites featured here.

Great for:

  • Lawyers
  • Engineers & Architects
  • Translators (regardless of whether you have a degree or not, if you are fluent in more than one language, this could be a good job for you)
  • Coders

Fees:

  • The cost structure of Guru is based on your membership level. 
  • You can pay a monthly fee to gain access to better on-site benefits and lower fees, which could be worth it if you are doing high-paying, specialized work.
    • Basic: $0 a month + 8.95% of wages
    • Professional: $15.95 a month + 6.95% of wages
    • Business: $24.95 a month + 5.95% of wages
    • Executive: $39.95 a month + 4.95% of wages

PeoplePerHour

PeoplePerHour promotes itself as a solution for employers looking for workers as they’re needed.

The main benefit of this platform is its niche of providing work opportunities for people with skills in video, audio, and photographic work.

Types of gigs:

  • Videography & video editing
  • Audio editing
  • Photo touch-ups

Fees:

  • 15% for first $280
  • 3.5% above $280

Freelancing can be a great way to make some extra money while you’re laid up and out of work with an injury. And you may just find the flexibility and freedom of freelancing to be something you’ll want to continue even after you heal from your injury.

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Sources:

  1. https://www.cdc.gov/nchs/fastats/accidental-injury.htm
  2. https://www.upwork.com/press/2017/10/17/freelancing-in-america-2017/
  3. https://www.upwork.com/
  4. https://www.upwork.com/i/how-it-works/freelancer/
  5. https://www.toptal.com/
  6. https://www.freelancer.com/
  7. https://www.guru.com/
  8. https://www.guru.com/help/freelancer-help-center/my-profiles/membership-information/
  9. https://www.peopleperhour.com/
  10. https://guardiandirect.com/resources/articles/7-things-consider-when-working-yourself
Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.
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