Why Not Just Hire Someone Independently? E-mail
People who choose to hire a caregiver individually as an independent provider should be aware that in most cases they are responsible for the following:
  1. Payroll taxes and other employer-mandated liabilities, including Social Security, Medicare, and federal and state unemployment insurance. When the individual or family is the employer and none of these taxes are being paid, the government may assign the individual, family, or estate for back taxes and penalties.
  2. Worker-related injuries. Many individuals incorrectly assume their homeowners’ insurance will cover this type of loss. Most homeowners’ insurance specifically excludes employees in the home.
  3. Abuse and exploitation. Whether an individual is hired personally or a nursing registry is used, it is imperative to be sure that references have been checked AND a criminal background check has been conducted.