Should I Pay My Home Senior Care Provider “Under the Table?”
The last thing you need when a loved one is in need of at home senior care is to be audited by the IRS. OK, it’s not exactly something anyone wants, but the short-term savings of hiring a helper under-the-table will be quickly overwhelmed by the costs of penalties and possibly legal fees if you are caught not paying required taxes.
And that’s not all! Hiring a caregiver under the table, without working through a reputable home care agency is extremely risky. A privately hired caregiver has no supervision or oversight, and has not been background checked and screened – leaving an older adult vulnerable to fraud or elder abuse. Also consider what will happen if the caregiver should become sick or takes time off for a vacation. There’s no backup care available when working with one individual. Finally, think through what might occur if the caregiver was injured in your home, or if items of value went missing. Without being bonded and insured, you would be liable for any applicable expenses: medical bills, worker’s compensation, the replacement cost for valuables, etc.
How Can I Avoid a Catastrophe When Hiring a Caregiver?
Thankfully, we have a solution that allows you to simply enjoy the benefits of in-home care without any fear of legal or other serious repercussions.
A home care agency like Endeavor In-Home Care will work with your budget and identify the best personnel to care for your family member in a home setting. And you will know that you and the caregivers who are working in your home are in compliance with federal and local laws. Our caregivers are fully bonded and insured, extensively trained, and background checked, for your peace of mind, while we take care of all of the necessary taxes, worker’s compensation, and oversight.
It’s not just celebrities and politicians who get caught up in “nanny-gate” situations through inappropriate hiring processes. Essentially the government likes to keep “off the books” employment to a minimum, so unless you are running a lemonade stand, someone needs to be paying taxes. Your legal options are to hire a care giver directly and take responsibility for filing tax reports (which you either have to do yourself or pay your own tax provider to handle) or you can contract with an at home senior care agency and be confident that payroll and taxes are handled in a professional manner.
If you would like to consider the option of professionally managed at home senior care from the leading caregivers in Phoenix and the surrounding areas at Endeavor In-Home Care, please contact us.