freqflyer, since 1999 I became indep. cg, I only receive 1099-mis, when I got hired by private and I always talk about those issue with family before become their loved one's care , in my case no workman's comp or benefits... It's okay with me and I do know how to protect myself. If it's happen that would be my end of my caregiver business. I also did hire another caregiver for my off days, I just give 1099 to her/ him,,,, that my client family paid me for my daily rate and I paid to them with our agreement rate, it was strictly my business style to do so.... I had never problem with IRS yet.... I just talking about hiring and firing only one person at the time... not Co., or LLC
Noelle, a couple of tips if you hire a private independent contractor to live in your Mom's home, the caregiver becomes an "employee", thus either your Mom or the Caregiver will need to figure out who is paying the payroll taxes. And, as Pam had mentioned above, the Caregiver should get a day or two off during the week. That means someone else will need to help Mom on those days off.
And note, your Mom will need to purchase a "workman's comp" rider to attach to her homeowner's insurance, this is needed in case the caregiver gets hurt on the job and is out of work.
Agencies are expensive because they are licensed, bonded, insured, has workman's comp for its employees, sick day pay, vacation day pay, continuing education, office staffing, dealing with health insurance companies, etc.
I use a Agency for my Dad, if someone calls out sick, there is another Caregiver in the wings to help him. And during this most recent blizzard, the Agency picked up and delivered the Caregivers using 4-wheel drive vehicles that they had rented due to the weather. For me, I like that security. [no, I don't work for an agency]
One has to figure out what is best for your own situation.
Thanks for everyone's info. I have no intention of hiring through an agency. Want private duty referral. Live in part is really more about me not having to worry and have a life. Already have great private referral companion 3 x wk 4 hrs day. She can't live in. She's married.
I'm independent caregiver, just recently find out local homecare agency charged my client $550 a day, because other caregiver got sick so family have to hire from agency for my off days, I'm flabbergast! Worker get only $140 a day for 24 hours care???? My goodness it was only 7 days! The Agency is making so much money!! I understand IT'S BUSINESS, I would never never charge that much! I'm feel better now "off my chest" telling someone!!!
You can find other forum writers with similar issues by going to https://www.agingcare.com/ProfileTools.aspx?section=findmembers but that only works if you have filled out your profile completely. And there is no guarantee that people listed are still viewing this website.... they might have written years ago.
Companions just sit there. $10/hr. Bath aide $15. Cook $20. Chauffeur $25/hr plus mileage. LPN and RN a whole lot more. NJ requires you to pay at least minimum wage for hours worked and carry workman's compensation insurance. The live in has to have 8hrs sleep at night. So if the patient gets up at night, you have to hire a second person for the relief period. They have to have days off and vacation. Agencies will not recommend live ins because too many clients will underpay and not set up proper payroll and insurance. So can you afford $160 /day for one companion? And will the patient sleep through the night?
noellecat, one suggestion is to contact your local Agency on Aging, maybe they can direct you to a list. Why I say this is because Aging Care website goes worldwide, thus to find someone who lives in your immediate area, looking on this forum for this type of work, would be a million to one.
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And note, your Mom will need to purchase a "workman's comp" rider to attach to her homeowner's insurance, this is needed in case the caregiver gets hurt on the job and is out of work.
Agencies are expensive because they are licensed, bonded, insured, has workman's comp for its employees, sick day pay, vacation day pay, continuing education, office staffing, dealing with health insurance companies, etc.
I use a Agency for my Dad, if someone calls out sick, there is another Caregiver in the wings to help him. And during this most recent blizzard, the Agency picked up and delivered the Caregivers using 4-wheel drive vehicles that they had rented due to the weather. For me, I like that security. [no, I don't work for an agency]
One has to figure out what is best for your own situation.
NJ requires you to pay at least minimum wage for hours worked and carry workman's compensation insurance.
The live in has to have 8hrs sleep at night. So if the patient gets up at night, you have to hire a second person for the relief period.
They have to have days off and vacation.
Agencies will not recommend live ins because too many clients will underpay and not set up proper payroll and insurance.
So can you afford $160 /day for one companion?
And will the patient sleep through the night?
https://www.agingcare.com/local/Area-Agency-on-Aging