Tag Archives: Benefits

IC Pay with ZayZoon Launched to Help Cash Flow of Independent Contractors

Openforce has partnered with ZayZoon, a responsible financing solution, to provide independent contractors access to their settlement funds ahead of scheduled payment. For a small fee, this new service, offered through ZayZoon and integrated with Openforce’s IC Pay, provides on-demand access to upcoming settlement payments*. As a result, independent contractors can improve their access to cash, while escaping the exorbitant rates common to the payday lending industry.

Some Facts



Available to Openforce members using IC Pay, this benefit is designed to help contractors keep their independent businesses running while avoiding credit card advances, high borrowing fees, payday loan processes and inconvenience. And if you’re a contracting company that is already doing advances for independent contractors, IC Pay eliminates all the administrative work and provides a much better practice in support of proper IC contracting.

Contractor Benefits
  • No credit checks.
  • Fast sign up, and all made possible by a trusted integration with Openforce’s IC Pay.
  • Funds sent directly to their bank account.
  • Full customer support.
Contracting Company Benefits
  • No-cost benefit available to independent contractors.
  • No burden of guaranteeing re-payment.
  • Secure integration with IC Pay services already in place.
  • Repayment automatically deducts from the IC’s next settlement.
  • Helps independent contractors stay contracted by managing their cash flow challenges.

As part of Openforce’s Member Benefits program, contractors using IC Pay can sign up with ZayZoon and receive early settlement transfers. Signup takes less than a minute, and contractors can immediately see how much money they’re able to access, and to have the money transferred into their bank account on the same day. The contracting company is not involved in providing early access to funds.


  • Independent contractors receiving settlements through IC Pay can get started immediately by accessing ZayZoon in their IC Portal in Member Benefits.
  • Openforce clients using IC Pay don’t need to do a thing. Contractors receiving settlements through IC Pay may elect to take advantage of this new program as they need it.

If you’re new to IC Pay, and in need of a payment platform that flexes with your on-demand workforce, we’re ready to help. In addition to superior settlement services, Openforce goes a step further to equip contractors with highly personalized tools and benefits like ZayZoon to help grow their business and stay contracted.

*Settlement-advance amounts vary based on settlement cycle and settlement history in IC Pay.


The Value of Ongoing IC Training

Tens of thousands of courier and last-mile drivers perform deliveries across this country every day, many of them with little or no formal training or education. It happens daily. Couriers walk out of clinics with specimen bags bundled and clasped with their bare hands. Last-mile delivery teams accidentally scratch the flooring while setting up a new living room or installing a refrigerator.

There are best practices in every instance to help ensure the safe and proper delivery of items. Yet, some retailers, laboratories and freight forwarders use certain companies because they are the most cost effective. However, there is an underlying potential cost, which is the risk involved in the improper handling of goods and a lasting negative impression on your brand.

What could go wrong? Unfortunately, a number of things if independent contractors do not have the proper training and are unaware of best practices. Recognizing that the handling, installation and delivery of merchandise into the customer’s home or specimen to a laboratory is the last opportunity to ensure customer satisfaction also magnifies the importance of independent delivery professionals that are properly trained.

Companies who are concerned about the high quality performance of independent contractors often ask, “Can I give an independent contractor a training course or manual?” The answer is “No.” This is a very dangerous high risk practice that can jeopardize their IC status. So who is informing and training the independent drivers you rely on with the proper knowledge to help ensure a smooth delivery from start to finish?


To help fill this gap for both contracting companies and independent contractors, Openforce offers an array of resources for its members, including the most comprehensive medical training programs.

For the discounted Openforce member rate of $41.00, regularly priced at $89.95 for non-members, contractors will have access to live, interactive webinars covering the basics of medical courier training, blood borne pathogen awareness, and best practices with OSHA compliance, including:

  • Medical definitions
  • Hepatitis ABCs and prevention
  • In-depth, courier-specific perspective on HIPAA (patient confidentiality)
  • Specimen transportation guidelines and specimen integrity
  • Biohazard awareness test
  • OSHA requirements for blood borne pathogen awareness
  • Understanding the difference between Category A, Category B and Exempt specimens



Find out how you can provide the best possible medical courier service in your area through Openforce’s Member Benefits and increase your influence in the medical community. Independent contractors can access this exclusive benefit in your IC Portal. Once completed, contractors will receive a certificate of completion, demonstrating a higher level of training and compliance to medical courier delivery standards. Additionally, Openforce members receiving settlements through IC Pay can take advantage of paying for these services through settlement deductions.

At Openforce, we understand the independent contracting model and the competitive advantage our products bring to quickly onboard, verify and pay independent contractors on a single platform. In fact, Openforce customer experience a 30 percent decrease in contractor turnover when compared with the industry average in transportation.

Contact us to today to see how you can simplify everything IC and help ICs stay contracted with highly personalized tools, education and benefits available 24/7.


Understanding Your Business License Needs

Traditional work is changing. People want more control over their schedules, flexible working conditions, and to be their own boss. But being your own boss and business owner comes with its own unique set of challenges and unknowns—like whether you need to apply for a business license.

What is a Business License?

A business license allows you to conduct business in a specific city or municipality. Each city and town in the U.S. is different, and their requirements vary as to who must get a business license and how much the license costs. Failure to understand the licensing rules where your business is located can result in serious consequences.

Why do I Need a Business License?

Licenses are required for three main purposes:

  • To identify your business and make sure you are accountable for your actions
  • To protect the public health and safety
  • To keep track of your finances for tax purposes

Much like how incorporating may keep your business (and you) from losing personal assets in the event of a lawsuit, a license provides protection in the event that your business is damaged or if any of your team suffer from an injury. Without the license, you are the one who is held liable, along with your assets and personal finances. Fortunately, getting a business license is neither very expensive, nor time consuming, if you know where to start.

How do I Get Started?

If you’re already up to speed on your business license needs and prefer to secure them yourself, go to Business.USA.Gov. But knowing what you need can be a little tricky—that’s why we provide the resources to help guide our members in the right direction.

As an Openforce member, we offer the resources for business success:

  1. Log into your Member Benefits in your self-service online portal and click on the ‘Business’ tab
  2. Select the ‘Business Licenses’ icon to get started


This is just one of the many business resources and benefits we provide Openforce members. Let the experts do the paperwork for you, so you can focus on the other more important aspects of getting your business up and running. Ultimately, saving valuable time and having peace of mind that you’ve filled out the proper paperwork is worth the minor expense.

NEW Aflac Benefits for Openforce Members

Independent work is on the rise, and for good reason. Being your own boss can give you better working conditions, flexible hours, and higher income potential. But despite these advantages, independent work does involve some trade-offs.

In most states, leaving a traditional, full-time job means leaving the guarantee of subsidized health insurance coverage sponsored by the employer for the uncertainty of the non-group health insurance marketplace. For independent business owners, finding the right insurance program and affordable care can be a daunting task. That’s why at Openforce, we make it a priority to offer meaningful benefits to our members—including beneficial and competitive health insurance options.

We are pleased to announce two new voluntary insurance programs offered through a partnership with Aflac.

Today, Openforce members can enroll in:

  1. Cancer Indemnity Benefits
  2. Critical Care and Recovery Insurance

These new products are designed to help protect independent contractors against unforeseen costs associated with medical issues and lost wages. The new policies help provide financial protection in the event of:

  • Heart Attack
  • Stroke
  • End Stage Renal Failure
  • Coronary Bypass Surgery
  • Organ Transplants
  • Cancer, and more…


Interested in Learning More?

To get more information about these plans, visit www.Aflac.com/openforce. This dedicated site will provide you with product videos, plan designs and the process for enrollment. Openforce Members can also find Aflac in Member Benefits within the Insurance section of the self-service portal.

Or call the dedicated Openforce enrollment line at 888-510-1222.

Agents are ready to help answer questions, provide rates, and get ICs enrolled over the phone. The process is quick and easy and will be handled over the phone without long applications to complete, sign, or fax in.

We recognize there is much work to be done on issues such as benefits, access to credit, and training and credentials for independent contractors, to name a few. Some of these may call for policy changes; others are being solved by technology innovators and integrators like Openforce. We believe providing solutions for tackling these challenges make independent work not only a more feasible option, but a successful one with one less worry for independent business owners in the gig economy.

*Plan options may vary by state. Please visit the website www.Aflac.com/openforce and speak to an agent for more details.