In choosing the right non-medical home care plan, there are many things to consider. Those considering home care will ponder such questions as: What level of care do I need? What can I afford? How can I know that my caregiver is trustworthy? All of these questions lead to a very tough decision, but fortunately, there are numerous alternatives to choose from that can be beneficial for each individual situation.
There are different varieties of home care services offered by both agencies and individual caregivers. For example, a person might choose to independently hire a caregiver, for example, from classified ads. While direct hiring is probably the cheapest alternative in terms of money, care seekers choosing direct hire will face the costs of time and effort, such as the amount of time spent in finding an appropriate caregiver and the effort needed to comply with the legal obligations of employment and tax reporting. Another alternative would be to go with a full service home care agency. Full service agencies hire the caregivers that they offer to clients as employees. These caregivers are usually bonded by the agencies. Bonding can offer an advantage for care seekers worried about the risk of damages occurring during care, for example by caregiver theft, but this feature also adds significantly to the costs of care. When considering how important bonding would be to you, keep in mind that homeowner’s insurance can cover many of the same damages that bonding would cover, so consult your insurance provider if you have one. Full service agencies will take care of caregiver tax reporting, and might also be able to perform services like billing insurance, which is really useful for some clients, but like bonding, also raises the cost of service. For care seekers who are concerned about the risks of direct hiring, but aren’t willing to pay for features such as bonding or insurance billing, there are registry agencies, like ACS, that offer a kind of middle ground between direct hiring, and full service agencies. The caregivers working with registry agencies are not employees of the agency, and instead are independent contractors. Registry agencies perform many of the same functions of full service agencies, such as screening, interviewing and performing background checks on caregivers, but avoid some of the more expensive features that put full service agencies out of the price range of many Americans. Working with ACS, just like with a full service agency, clients will also avoid having to spend time on a caregiver’s tax reporting, because ACS gets this done through an independent payroll service.
How can you tell which choice is right for you? It depends on your budget and the services you need. If you are someone who wants to conserve cash, and doesn’t mind performing rigorous employment screenings, and doing the paperwork of reporting taxes for employees, direct hire could be your best choice. If you are someone who is willing to pay more to make sure that everything from bonding to insurance billing gets taken care of, you might want to go with a full service agency. And if you are someone in the middle of these two extremes, who wants much of the same quality assurance and convenience offered by a full service agency, for a price closer to that of a direct hire, you might want to go with a registry agency like ACS.
Labels: caregiver background check, caregiver screening, caregiving agency