Are You an Employee or Worker?  
8/1/2007 3:33:26 PM

The freedom and independence of being self-employed, a contract worker or a freelancer could suddenly seem like a straitjacket when you plan to settle down and start a family. While employees enjoy paid leave and statutory maternity pay (SMP) at their employer's expense, most freelancers are on their own. This can make it tougher to plan for pregnancy and beyond.