I am sure that she is missing out on some things like unemployment benefits, employer-matching on her S.S., and no disablity insurance,Yep - all of those are correct.but what else could she be getting screwed on here? Worker's comp insurance if she's injured on the job.And she may be in for a rude awakening on that refund thing - with no withholding, she'll have to come up with the cash for her income AND social security taxes AND the employer's portion of social security either through estimates or at the end of the year in an even larger lump sum. And paying it all at the end of the year might cause some penalties to be due, making the balance even larger.--Peter
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