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I thought contract to perm was basically just a back-and thing giving them an “out” to let you go no questions asked. If that’s the case, wouldn’t there not be a salary negotiation after the 90 day period and you would just transition into full time employment as you were?
Have you looked up comparable salaries for that role in your area? I would do some research and then ask based on that. You want to ask higher than where you want to land so there is room to negotiate.
Contract-to-perm isn't necessarily illegal - it's a protection method especially in a job market like we have now, but does raise questions around tenure in the role, company culture, and the recruiters ability to find a suitable candidate.
I would recommend doing some research yourself; Mercer, pay scale, Robert Half all have 2026 job pay surveys that are city/location specific. This should help you understand what an FTE person in your role, city, industry makes.
Full-time definitely won't account for overtime, unless you get it approved - that's just the nature of the beast. Overall - I'd expect to earn less as a full-time employee, but have better job security, lower health care costs, and more benefits provided by the company.
But doing your research on these will help you have an informed conversation, negotiate best and position yourself to get what is fair.