<prompt> Human: My Gf works for a job where she receives tips and works an hourly wage, ever since she started there shes been asking for a regular paycheck so she could apply for healthcare, shes filled out a W2 for the employer already but received a call from the owners today refusing to do that and have her file a 1099 instead.She doesnt believe me that Im telling her that its going to cost her allot more to play along with their plan or it might even be illegal. What are the consequences to do this is she plays along? Why would the employer do this, what if they terminate her or threaten to terminate her over this?Edit: on mobile, so Its being a little difficult for me to respond, but I think I got the hand of it now.  <response>: The employer doesnt legally have a right to make this decision. If they are filing 1099 and she isnt an independent contract eligible, she should report it to her state board. If she isnt sure, she should play around with this calculator and it will tell her This shouldnt be about her believing you, 35 seconds on Google will reveal that it will absolutely cost more, as shell be paying the employer contribution to Social Security and that 1099 fraud is a huge and growing problem. The problem is that she 1 can lose unemployment insurance protection, 2 will pay double the Social Security taxes, and 3 is working for an employer who is exploitative. They are doing it to reduce their social security and unemployment taxes. If they threaten to terminate her over this, spike a football and pop a beer open. Let them classify her as a 1099 and then immediately file a complaint with your state labor department. They likely have a Report 1099 fraud website. 