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When someone is able to stay in their home, but requires some help, in-home care may be the answer. Professionally trained caregivers will help with housekeeping, meal preparation, medication reminders, companionship, personal care, errands, grocery shopping, safety monitoring and household management. These services are not covered under Medicare or Medicaid, but may be covered my some long-term care policies. But you don’t need to be in your own home to use the services of a home care agency. Some people who live in a senior community may want to use an agency so they can stay in their apartment. Also, may want to hire a home care agency to provide companionship to their loved one in a nursing home when they can’t be with them. Senior Living Experts has selected only five preferred in-home care agencies in the Chicagoland area. All these agencies have been in business more than three years, are bonded and insured and have a track record of excellent care. (Bonding protects you from theft and breakage.) The agencies we recommend hire experienced, qualified and caring individuals and are the employers of the caregivers. The agencies pay all the payroll taxes (contribution to Medicare, Social Security, State and Federal Employment Security tax, Worker's Compensation Insurance) as required by law. They perform multi-state background checks and provide on-going training. Caregivers for these agencies all speak English. We can also help you locate agencies that employ caregivers that speak another language if your parent does not speak English. Please be wary of direct-hire caregivers. While the majority of them are hardworking, caring individuals and the cost is usually lower than an agency’s fees, there may be hidden costs if something goes wrong. If you hire a caregiver directly, you are the employer. The IRS states individual employers are liable for Social Security taxes not paid, Unemployment Compensation taxes not paid and payroll taxes not withheld. Penalties for these violations include civil fines and imprisonment. If caregivers injure themselves while on duty, the agency’s Worker's Compensation Insurance will cover all costs of medical care and missed work. However, if the caregivers are your employees, they will have the right to sue you for all their medical expenses and disability coverage. Another thing to keep in mind is if the caregiver is sick and cannot work or needs time off, the family must provide the care to their loved one – sometimes unexpectedly – but an agency can provide a substitute. For more information on how to set up in home care or to find out if its right for you, please contact Senior Living Experts. |
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