Walid Jammal and other agents filed a suit in a federal district court against American Family, claiming that the company classified them as independent contractors to deprive them of employee benefits. $[$Jammal v$.$ American Family Insurance Co$.,914$ F$\mathrm{.}3$d $449(6$th Cir. $2019)]($See Agency Relationships.$)$

$($a$)$ Use the IDDR approach $($Issue$,$ Duty, Decision Rationale$)$ to consider the ethics of American Family$$s decision not to provide its agents with employee benefits.

$($b$)$ Apply the criteria used by the courts to decide whether the agents in this case should be categorized as employees or independent