Comments for "How to Find & Hire a Private Caregiver"

Ron Mack Says:

This article leaves out the most important aspect -YOUR liability as the employer for accidents or injuries to the caregiver or patient. Does you home owners insurance cover accidents for contractors? Most do not and if they do expect to pay very high premiums (same as if you provide the insurance while building a house!). Who is responsible if the caregiver is neglectful or causes injury? (Contractors usually don't carry the liability coverage needed) What about your state's licensing requirements? Those are there for YOUR protection - no license = no regulation = no control! Some private people are reliable but all it takes is on accident - a slip on the ice - and YOU could be responsible for all their injury cost and lost time wages wihile they recuperate (if they recuperate!) Is carry that kind of risk worth the welfare or financial means of your loved one?
Lara Belonogoff Says:

Ron,
We do cover these topics in two separate articles and we go into the details of the pros and cons of hiring via a full-service agency, referral agency or private hire. There are some people who will assume the known risk of having an unbonded worker in the home because the cost is usually significantly lower. Having anyone in your home unfortunately always brings in a certain amount of liability. Learn how to protect yourself and your loved ones from elder abuse.

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