He sleeps through the night. He is disabled - meaning he can't walk to the bathroom himself or dress himself. He has his mind but needs his meals prepared etc. I pay her $20/hr plus the rent plus I got her a brand new SUV to drive him to appointments because he's tall and can't get into her sedan. Every week she has over 40 hours - sometimes 3 and sometimes 10. I also pay someone else to clean and someone else to be there 2 hours per day during the week and all day Sat and Sun so she can have time off. I feel like I'm massively overpaying - Am I? What is an appropriate pay for someone in Clearwater FL for this? She can go out after he goes to sleep at 8pm if she wants to.
Where I live any hours over 8 in a day are paid 1.5x. Any hours over 48 in a week are double time.
So no, I do not think you are paying too much.
My own Dad was a fall risk, so he had 3 shifts of caregivers daily as he didn't know how to do all the things that my Mom use to do when she was alive. He was like a fish out of water when it came to what he called "women's work" [he was in his 90's]. He was paying $30/hr to the professional agency where the caregivers were employed.
Rent is never a consideration of partial payment for a live in caregiver. Wouldn't she be responsible if something happened with dad in the night?
You r a very good employer and yes, I think ur paying too much since she gets room and board too. But some may not agree with me. I don't think you can do much about her hourly pay now but I would question the overtime.
You have a good arrangement, I would not mess with that by talk of lowering the wage. In theory, and an agency would agree, that she should be paid through the night as well.