Becoming a professional caregiver: taxes, liability, workers comp, insurance, etc.
I understand this is probably the wrong place to post this, but I was hoping that I might get some insights from some of you who have hired private caregivers in the past. I have worked with the elderly in various settings for 7 years, and I am interested in becoming a private caregiver.
My biggest concern is trying to alleviate as much responsibility and liability from potential clients as possible. Ideally, I would like to make it so that I am responsible for all taxes and accountable for any injuries that may occur to me or my client if one of us is injured while I'm providing care (ex: getting hurt during a transfer in/out of shower).
My understanding is that when someone hires a private home care aide, that person is technically the employer. Because of this, they are responsible for all taxes, worker's comp, and liability. So if I were to get injured while working in someone's home, then that person would be liable for any medical bills or disability coverage depending on the severity of the injury.
I also read if a client is injured while a home care aide is providing care for them, that the client is still responsible for all compensation and costs resulting from the injury because they are considered to be the employer. Is this correct?
Does anyone know what I can do to make it so that these responsibilities/liabilities fall on me instead of my clients?
Hoping someone can add some clarity and assistance with all this. Thanks!