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If I hire a caregiver to come to my home from one of the big national brands, visiting angels, home instead, etc. are they independent contractors or employees of a local franchise? Just curious how this works.

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They are employees of the agency you contract with. Not independent contractors.
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Yes, I've used one of their franchise locations in south FL for 6 years straight & they are employees of that franchise. I've been extremely happy with their people.
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