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Perm vs. Contract Decision Checklist

Perm vs. Contract Decision Checklist

Delfina

on July 29, 2026

Perm vs. Contract Decision Checklist | Magnus HRS
How to use this: Work through each section honestly. The goal is to understand your career goals and map out the opportunity, so you can enter contract work confidently.
1. The Financial Picture
The money is real, but money alone rarely carries the decision. Know your numbers and know what they are for.
2. Career and Security
Contracting is a career move, not just a pay move. Treat it like one.
3. Lifestyle and Support
The job is secondary to your life. This section decides more contracts than any pay rate does.
4. Ready to Move
If the first three sections look good, this is your launch list.
Reading your results
Mostly checked, all four sections:

You are in a strong position. Your next step is a conversation with a recruiter about live opportunities, not more research.

Gaps in Section 1:

Stop here first. Financial gaps cause most contracting regret, and every one of them is fixable before you resign.

Gaps in Section 3:

Contracting may not fit your life right now, and that is a legitimate answer. Staying perm is the smarter move for plenty of excellent clinicians. Revisit this checklist when circumstances change.

Gaps only in Section 4:

You have decided, you just have homework. Most of it takes days, not months, and our recruitment team can help with all of it.

One honest caveat: no checklist replaces a real conversation about your life. Every contract can flex around your situation more than you would expect, but only if a recruiter knows your situation. That conversation is the actual next step.

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