Option #2: Direct Hire (Independent)
Price: $10-15 per hour
Hiring, managing and paying a caregiver directly is likely the lowest cost option if you are paying for home care. However, the directly hiring a caregiver comes with a number of significant risks. You assume responsibility for paying your caregiver, employment taxes, overtime pay (if applicable), background checks, drug testing, managing no-shows and cancelations, and are liable if your caregiver gets hurt or injured in the home. Hiring a caregiver directly is typically not covered by long-term care insurance.