Thinking about hiring a caregiver directly for a senior loved one instead of going through an agency? Here’s something many families don’t realize.
When you hire a caregiver directly, you’re not just a client — legally, you often become their employer. That means workers’ compensation obligations may apply to you.
Caregiving work involves lifting, transfers, and physical assistance, which is why caregivers are often placed in a higher-risk insurance pool. If that caregiver is injured while helping your loved one and there’s no workers’ comp coverage in place, your family could be responsible for medical bills, lost wages, and even legal costs. Real cases have run $15,000-$20,000+ for a single injury.
We’re not saying this to scare you away from direct hire — many families do it successfully. We’re saying it so you go in informed, not caught off guard.
If you hire directly, consider:
- Confirming if your state requires household employer workers’ comp
- Asking your homeowner’s insurer about a coverage rider
- Never assuming “under the table” removes your liability
Questions about protecting your family while getting the care you need? Reach out — we’re happy to help.
