Establishes system for portable benefits for workers who provide services to consumers through contracting agents.

This bill creates a system requiring companies that connect workers to consumers (like gig economy platforms) to contribute 15% of each worker's monthly earnings into portable benefits accounts. It directly affects workers who provide services 40+ hours monthly as independent contractors (paid via 1099), excluding unionized workers, real estate agents, and healthcare professionals. These contributions fund worker-selected benefits including workers' compensation, health insurance, paid time off, and retirement options, managed by nonprofit benefit providers. Workers choose which benefits to receive from the available options, and companies must pay contributions monthly within 15 days of service.