In this episode, Joey loses his insurance because he didn't work it off in the last year. According to SAG, you need to earn $7500 a year to qualify for insurance. I doubt Joey earns that much in a year. The other point is, that Joey is supposed to live in New York. If this is the case, Joey would not be under SAG contracts but AFTRA, which is the union for the east coast. Also, if you do equity stage work, you are ineligible to work on non union stage work. I dont know if Joey was a member, but technically he shouldn't have done non union stage work if he was a union member or he'd get thrown out of the union. I just thought that being a TV studio/company and hiring actors etc for jobs, that their legal team would actually pick up on this! Not that ordinary people who don't know would pick up on this.