My family has been paying my cousin to take care of my grandmother 24-7 , she lives in the house with her. She has been getting paid 5,000 a month for doing this with the reverse mortgage we took out, We are going to have to put her in a home and now some people have told us we should have paid her taxes and ssn, and we had agreed she would take care of this like it was her own business. Should we have been paying these. We also had someone tell us that if we payed her and she claims her own taxes that we have to supply workmans compensation insurance. Should we have been doing this as well?