Avoiding the Pitfalls of Hiring an In-Home Caregiver, Part 2
In addition to the tax and worker’s compensation risks discussed in part one, there are some other things to keep in mind when hiring a home caregiver.
Who’s Liable for Accidents?
If a caregiver causes damage to your home, property, or worse, to you, there needs to be liability insurance in place that will provide coverage for repairs, medical bills, and other damage. Contract caregivers hired directly by you may not be covered by your homeowner’s insurance.
Assuring Your Safety
Responsible home care companies check employment references, perform background checks before employees are hired, and carry fidelity bonds on employees to assure your protection. Because of the precautions taken by the company, you know the person working in your home does not have a criminal record and if someone were to steal from you, the company has insurance coverage as a backup. Some companies require employees to pass a tuberculosis screening prior to employment so there’s no chance of transmitting this common deadly disease.
Other Aspects of High-Quality Service
You should never have to pay for a care assessment and proposal.
Care plans should be reviewed by a credentialed professional.
You should never have to pay a deposit to start service or any type of set-up/start-up fee.
There should be no unreasonable minimum number of hours, or any cancellation fees.
There’s supervision of caregivers and oversight by credentialed personnel and management.
Companies should maintain ongoing and active communication with family members.
And perform home safety inspections and make recommendations for your safety.