The hard part is over.
I'm matching you with one of our specialists who will be calling you in the next few minutes.
Thank you all for your help.
You're better off hiring through an agency. They generally provide work comp insurance. However, they don't all take out taxes. Some agencies pay their employees like indep contractors. They will provide you with workers if yours calls in sick.
The biggest problem is getting qualified help. HHAs are probably the closest to what you need for home care. However, they don't seem to be trained in medication, Diabetes, and some of the big medical issues. I've noticed that there is a gap between what is needed and how each "profession" (CNA, HHA, CMA) is trained. RNs are expensive.
Maybe others here have different experiences.
And like Maggie said above, what would happen if she/he doesn't show up? My Boss ran into that quite a bit as his last Caregiver had grade school children and if one child became sick, the Caregiver couldn't come in. Otherwise, she was really a great help to him when she did.
You have much to be concerned with in hiring a personal caregiver directly. Insurance and liability being one. Background and reference checks being another. If she's live-in, you run the risk that she'll squat on your property and you might have to take formal steps to evict her even if she were doing a terrible job. If she's not live-in, you have to worry about what you'll do when she doesn't show up . . . sick days . . . vacation days . . . I-don't-feel-like-going-to-work days. All of which you DON'T have to worry about if you use a service.
In suburban Chicago, the rate is $22 an hour for daytime/evening help. I wouldn't do it any other way. But that's me.