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I've been a private live in caregiver for a number of years now, working with a variety of clients with a wide range of needs. I have been looking to move on from my current client job but am finding it very difficult to find another family who wants to hire a private caregiver. This is confusing to me because as a caregiver who started out working through an agency, and who still works sometimes with employees of an agency for fill in purposes at my clients home, I have experienced firsthand how unreliable and problematic agencies are. The only two caregivers that my current clients family employed who have stuck around, and taken quality care of their mother are me and my coworker, both of whom who are private hire. Anytime we try to involve agencies in the mix it always brings drama, irresponsibility, and un-vetted caregivers into the home of my client. That being said, I know that my clients family is not unique in their experience with agencies as I have heard many horror stories from friends, and acquaintances with elderly loved ones. So why is it that people don't seem to look elsewhere for quality experienced caregivers?

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People don't want to have to go through all the rigmarole of being an employer - tax withholdings, workers compensation, extra insurance etc., not to mention the lengthy interview process. They don't want to be dependent on one person who may turn out to be unsuited, They don't want to have no back up if their caregiver is sick or needs time off for another reason, and for vacations.
That said there are many people who would rather hire privately because they can get more for their money, perhaps you aren't advertising in the right places?
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Shane1124 Jun 2019
Exactly.
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The way you are handling your pay does seem like the simplest way, however, it is completely illegal and puts everyone involved at risk.

You, because you have no unemployment insurance for the in between times. No worker's compensation insurance in the event that you get injured.

Them, because they can be penalized by Medicaid and not be eligible for assistance for the length of time the money paid to you could have paid for facility care. If you get injured and can not work, now they get to go through a lawsuit because you will not just grin and bear it.

Those are only a couple of examples. If you are really interested in proving that you are a reliable honest caregiver then you need to have things required by law in place, that speaks volumes to a potential customer.

I for one see your situation as a disaster that is avoidable and I question your reliability because you are so willing to disregard the law for your profession.
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Shane1124 Jun 2019
Agree. Whatever state you are in, go to the website of the Department of Licensing for healthcare professionals and read state guidelines for the position you seek.
Why anyone would put themselves at risk regarding workers comp or short term disability is beyond me.
As makeadifference stated, you have to set yourself up as a legal entity to protect you and your client from harm.
There are already many state regulations in place it’s that these regs are not being enforced.
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Maybe because they don’t want to have to deal with the business side of it? Legally they have to have some sort of workers comp insurance & pay payroll taxes & make the SS & Medicare contributions. They can’t just write out a check on payday & call it a day.....
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I was told about a husband and wife, both passed away a few years back, had a private caretaker. Well that caretaker got "injured" on the job and sued the couple. They lost everything. Perhaps they didn't have the correct homeowner insurance and/or the caretaker found an easy way to "cash" in. This may be one reason. Do go out and get a business license, insurance, workmans compensation insurance, or whatever you may need, and have it readily available to show your new potential clients. Perhaps you already have it. Accidents happen especially with elder people. I know too many elders who have fallen or were dropped for one reason or another. I know three people who died from being dropped. They didn't fall, they were dropped.
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If I hire a private care-giver I then become an employer. I've been an employer. It's a lot of work. Piles of employee rules and regulations to follow, liability insurance to be purchased, paperwork to fill out, taxes to be paid, worries about who steps in when my carer is sick or gets injured etc etc. It's expensive and time consuming. It's one more major stressor in an already stressed out situation. Many people just don't have the energy, money, and/or skills to pull it off. If I hire an agency I get to skip all that paperwork, pay a flat rate for a specified service and if one caregiver is sick or injured they send over another. I think that's why most people hire from a company rather than hiring a private carer.
If you have your own business license, liability insurance, are bonded, have backup carers lined up for when you are ill, etc and operate as a company on your own then you could be hired as an independent contractor which might make someone more likely to consider you.
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In my area, the nationwide caregiving Agencies are at the top of the list. My Dad had used one agency for over a year with zero problems. Not once was Dad ever left on his own because no one had showed up.

The Agency was licensed, bonded, insured, and had workman's comp for their employees in case one should get hurt on the job. The caregivers had their flu shots and yearly TB tests. Background checks and fingerprinted. The agency had monthly meetings and classes for their employees. I couldn't have asked for anything better. The cost was $30/hour which is the going rate in my area.

My Dad got to interview many of the caregivers when they came for their shift and he choose two to be on a regular schedule. These two caregivers had similar upbringing as Dad so they had a lot in common, and they both had a great sense of humor as my Dad was pretty funny. Even when my Dad sold his house and moved to senior living, he brought along the two caregivers, thus it gave Dad a routine he needed.

Rndaughter2, the Agency sent over a Rep who toured the house, she interviewed me about Dad's needs, and I in turn interviewed her. Dad needed someone to help him with daily routines, plus light housekeeping, and light cooking. Dad's day time caregiver would take Dad at noon time over to see my Mom who was living in long-term-care, and she helped feed Mom. The caregiver also took Dad to his numerous doctor appointments and was involved with his health. One caregiver would help Dad with light yardwork, she was glad to help as she wanted Dad out of the house to get some fresh air.
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Rndaughter2 May 2019
Thank you freq flyer. This sounds good. Im wondering if he needs someone to spend the night. He seems to be confused right now. Do they sit outside bedroom all night? I dont know if he would be confused to see someone there. And i dont know if 2 people can work around the clock if needed. May be too much on them. Maybe 3 or 4 people maybe needed to handle shifts. Any thoughts? Still probably cheaper than. AL. ITS 300$ a day and i dont think if he comes in hall in middle of night he can find anyone. Because i can hardly find anyone there in the day.
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We used care.com to find caregivers and have been very blessed to find wonderful women there for mom. Generally we stick with our caregiver until they need to move on for marriage or visa expiring etc. Now they usually help find their replacement from their friends. So ask your caregiver friends to keep an ear out. Also advertise in 55+ community newsletters. Hope this helps!
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I am not saying this about you.

But my god. Read the post about caregiver taking pics of mom's stuff and sending to some man.

We ruled out private caregivers because so many are unreliable. Dink around on phone. Are lazy.,did I mention unreliable.

Again, I am not saying this about you. But goodness. It's appalling.

This is an industry which needs more regulation.

That said, attorneys with whom I work, have used a private caregiver for years. One in particular. But she is beyond our reach financially, but very good.

And that referral network is word of mouth amongst very very high earners.

And they pay her insurance and set up a 401k. She is well known in the FIRM. she is never without work. When one passes, others snatch her up.
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Racheld17 May 2019
I have heard similar stories and it is very sad, part of the reason I got into this field is because of hearing of and experiencing first hand the result of abuse and neglect of an elderly loved one. Far to often the elderly are taken advantage of because of their vulnerable state. It never stops being heartbreaking and I agree there should be far more regulation and oversight.
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https://seniorservicebusiness.com/4-things-you-must-know-before-starting-a-non-medical-home-care-business/

Non-medical is different that medical,


Please look at seniorservicebusiness.com

They have all the laws rules, and is a good way, if someone wants to do it right.

It is all about being real, honest, caring and reporting to the IRS.
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It seems that it’s the luck of the draw, with agencies, the people they employ, and private carers. ‘I will pay my own tax and insurance’ doesn’t comply with the legal requirements, so the employer is either ignorant or very optimistic. If there is enough in this for you, it might be worth thinking about setting up your own business, with a $2 company or contracting under a business name. There will be a lot for you to learn and paperwork to do, so perhaps it’s more realistic if there is more than one of you and/or you hire a person or a business to do the business details. There are many small book-keeping firms that do this for small businesses and are more reliable than a bad carer! In any event, you could advertise at Marketplace, Craig’s List, a local Day Care centre? - anywhere likely to be seen by your target group. But you may still need to have a formal business support structure, unless you find another ignorant or optimistic employer family. Good luck.
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