A quarter of the U.S. workforce participates in “gig” work either as their primary job or a secondary source of income, and a majority of these employees choose these non-traditional jobs because of the flexibility they offer, according to research by Limra.

But the downside to being a non-traditional worker like a freelancer or an Uber driver is the lack of access to the employer-sponsored benefits offered to traditional workers. And while 47% of gig workers said obtaining benefits is a challenge, almost three-quarters of these workers plan to continue working in this capacity over the next five years, the survey said.

Gig or non-traditional workers, as defined by employers, are those who work part time, on contract or seasonal.

The research found that 46% of employers said they are more likely to offer benefits to part-time workers. Only 29% said they would be willing to offer benefits to seasonal workers and just 16% would offer them to contract workers.

Limra noted that companies that are already offering gig workers benefits showed considerable interest in adding more (28% part-time workers, 43% seasonal workers, and 42% contract workers). Additionally, it said, almost a quarter of employers that do not offer benefits to part-time workers are interested in doing so, while roughly one in six are interested in offering benefits to seasonal and contract workers.

When it comes to offering benefits to gig workers, Limra found companies tend to offer a lesser package as compared to full-time workers. On average, employers are offering two to three fewer benefits to part-time and contract workers and four to five fewer benefits to seasonal workers.

Limra also found that more than seven in 10 gig workers are at least somewhat worried about becoming disabled and being unable to work because they don’t have life insurance. The report showed that 68% of gig workers believe they should have life insurance, but only 36% do. Further, half of gig workers believe they should have disability insurance but only one in 10 do.

The report also revealed that depending on the type of non-traditional worker, employers’ reasons for not offering benefits differ. For instance, half of employers say it would be too expensive to offer benefits for part-time workers. More than 40% of employers cite high turnover as the reason why they don’t offer benefits to seasonal employees. And 38% of employers say benefits are not needed to attract and retain these workers.

As for what would change the minds of employers who don’t plan to offer nontraditional workers benefits, the top motivator, they said, would be a legal or regulatory requirement.