There are a number of ways to get nonmedical supportive services inside a home. But regardless of what level of service you are looking for, odds are you will find yourself facing one choice: Should you find and hire an independent contractor or someone who works for an agency? Here’s a closer look at both options.
Nonagency Service
Nonagency workers, or independent contractors, are hired by either a family member or the person needing help. While this may appear less expensive, it could involve some hidden costs and risks:
• Whoever hires an independent contractor must pay all appropriate payroll taxes because, technically, that person is the employer.
• If the independent contractor is injured on the job, the person who hires the individual is responsible for medical bills and any other expenses.
• If the independent contractor is sick or goes on vacation, he or she is not obligated to find a replacement.
• Because people often hire an independent contractor without first conducting the proper background checks, they may be leaving themselves or their loved ones open to theft, fraud and-in rare...