Re: Sick Pay?
"I've still not a heard a reason why contractors working for a a one man band limited company can't / don't pay themselves sick pay."
There's a reason why you haven't heard of a reason why they don't. It's because they do.
As an employee of your own company you're paid an annual salary. If you're sick (and I have on occasion been taken from site to hospital) then you continue to be paid that annual salary. The big difference is that the company isn't being paid by the client unless the freelancer has fielded a substitute. The company should build up a buffer so that it can cope with that. It's making the provision for that that falls on the contractor but not on the employee that you hear about in the comparison.