Yeah Claudio, us self employed people are special, we only work half days (12 hours light or 12 hours dark) and we have the best vacation arrangements imaginable, because all we can do is imagine them, and when we get sick......well, then we're in trouble. My insurance company called and wrote I can't tell you how many times asking, almost insisting that I suffered this injury on the job. They aren't aware (or weren't, apparently) that I work for myself. Here in Texas, if you work for yourself, the state does not require you to keep a WC policy just for yourself. I guess they were determined to put the cost on my employer's insurance. I had to tell them at hundred times it seems that the accident was at HOME and it was all on them. If it ere an OTJ injury, I'd be taken care of, getting all medical paid by company insurance (at least I did have health insurance) and be drawing workman's compensation while unable to work. Although I'm sure that would be a fight, at least there is an arrangement that is supposed to take care of us under those circumstances. I know of a couple of guys hurt OTJ that were treated pretty fairly I thought. But on the other hand, I am sure that those here who do work for themselves understand the benefits of it, and would share my feelings about going back to work for someone else. Only if there were no other choice. We all do what we have to, but it would be hard to do that after having the freedoms of self employment for a while.