Understanding Your Options When Arranging In-Home Care

When a loved one begins to need help at home, families often focus on finding safe, dependable care. However, it’s crucial to recognize that arranging in-home care can involve significant legal and financial responsibilities. In some cases, a household may even be considered an employer under the law, making the structure of care an important factor.

Families typically choose among three primary approaches:

1. Hiring a caregiver independently. This offers direct control, but may create obligations concerning wages, recordkeeping, and employment laws. Insurance is another consideration, as families might be responsible for work-related incidents depending on their policies and the terms of the arrangement. It’s wise to review responsibilities thoroughly before proceeding because rules vary by location.

2. Using a referral service. These services connect families with caregivers, but usually do not employ the caregiver themselves. As a result, families may still be responsible for employment matters, insurance, and daily management. Screening, insurance coverage, and support can differ widely among referral services.

3. Engaging a licensed homecare agency. Agencies are regulated by the state and generally employ caregivers directly, handling payroll, background checks, and insurance. They also help with scheduling and resolving service concerns, offering a more comprehensive and managed solution.

Because employment and licensing rules differ by state, families should seek up-to-date information and professional guidance when making decisions. Understanding how each care model operates enables families to make informed choices, reducing uncertainty, and stress during a challenging time.

Think your loved one might benefit from extra support? Contact the Luxe team at 310-459-3535 or visit luxehomecare.com

By Ben Adel

Ben Adel is cofounder of Luxe Homecare, a Brentwood-based homecare agency offering services on the Westside of Los Angeles and Santa Monica. They offer round-the-clock support, including registered nurses (RN and LVN) and rehabilitation services.