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Some states have special or waiver programs where Medicaid pays for care in the home, but one has to qualify per their criteria, both medically and financially, and it is usually never full time and never more than minimum wage. Sometimes a family caregiver can get paid, but again, they have to apply and qualify, and then it is usually not enough to cover all the care needs.
You will need to research it for your home state, which you don't mention.
at https://www.agingcare.com/articles/24-hour-in-home-care-cost-477984.htm.
There's no date on the article; but look for the Genworth Cost of Care Survey link in the references at the end to see the latest cost estimates for your area.
Setting this contract up and payment was a lot of work. I’ve been managing this for over a year and it’s not easy, but has allowed my mom to remain in her home.
There is an option to post a job on one of the care sites for live-in.
This is all paid for with savings. I see the article that was linked by another member mentioned how insurance may pay for some portion, but that hasn’t been my experience.
Live-ins do not get paid hourly. They are salary. The free room and board is considered part of their wages.
If someone is willing to pay $40 an hour, why go with a homecare worker? You can hire an actual nurse for that. No homecare worker ever got $40 an hour. I own a homecare agency and even though homecare is expensive, no one is paying upwards of a quarter mil a year for it.
Here is something else you need to think about.... if you (or whomever) hires a live-in caregiver and that person is not from an Agency (where the Agency does the payroll), please note you would need to contact your (or whomever) homeowner's insurance carrier about Workman Comp Insurance. Workman Comp helps cover the employee should he/she gets hurt on the job.
Here's more info why Workman Comp is important: www.care.com/hp/nanny-workers-compensation-insurance This article also refers to "caregivers". (I tried to find an article that wasn't tied to a company or law firm but had zero luck).
In fact, their pay is salary and not even based on minimum wage requirements.
Free room and board while it is not a replacement for actual wages, is part of the live-in caregiver's salary.
Hire privately. I was a private caregiver in northern California when I lived out there. You'll save money hiring privately.
1. Search Online: Look for local caregiving agencies in your area and check their websites for pricing information. Websites like Care.com and Home Instead can provide estimates.
2. Contact Agencies Directly: Call local home care agencies and ask for a quote. They can provide detailed information based on your specific needs.
3. Ask for Recommendations: Reach out to local senior centers, healthcare providers or community groups for recommendations and insights on costs.
4. Use Cost Estimaters: Websites like Genworth’s Cost of Care Survey offer tools to estimate the cost of in home care based on your location.
Regarding payment through Medicare or Medicaid: Medicare generally does not cover long term in home caregiving services. It may cover short term care if you meet specific conditions, such as needing skilled nursing care after a hospital stay. Medicaid may cover in home caregiving costs if you qualify under your state’s Medicaid program. Coverage and eligibility vary by state, so it’s best to check with your state’s Medicaid office.
For additional information, you can contact your local Area Agency on Aging, which can provide guidance on costs and financial assistance options.
That's way too expensive. You can hire two private caregivers that either split the week, work one week on one week off, or two on two off and save a lot every month.
I'm in CT which is a very expensive state to live in. Go to care.com and interview a few private-duty caregivers. You can save a lot this way.
Not only do I believe Medicare/Medicaid would need to know, I believe on a form(s) you must provide, they ask you who else lives in the house? You have to tell them. In addition, consider:
Be very careful about 'live-in' caregivers as they are considered an EMPLOYEE and you have to pay all their wages, report taxes, and likely provide workers' compensation, vacation, and break times, and specify hours. You have to track everything / keep accurate records.
There is no such agreement 'free rent for care services.'
This isn't a 'trade' situation. There are very clear 'rules and regulations' hiring employees, even when they live in your property.
In addition, there are times when you may want them to leave and THEY (may not) / do not want to leave ... which means you would need to call the sheriff to physically move them and/or cite them, too.
However you manage this, require a criminal check (fingerprinting) at their cost, copy of driver's license, car insurance, TB and Covid tests (if you want). And always ask for references.
If you do not follow clear tax employee-employer guidelines, they can also sue you. They can try to sue you anyway. Be very careful. I researched this at a law library years ago.
Gena / Touch Matters
Have you actually ever been a caregiver live-in or otherwise? I did private-duty independent homecare for years before I went into business. I took out my own taxes and paid my own liability insurance.
The employer doesn't have to do this. If you're independent then it's your responsibility. I worked for a few families who did it for their caregiver employees, but not many.
I worked agency help also. Places in my state don't have to pay workman's comp to part-time employees. This is why most businesses keep the help under full-time hours. Part-timers are also not given vacation time or over-time pay. It finally got past that part-time employees do get some sick time now. That was only done last year though.
My company will not provide 'live-in' care for just the reasons you stated. Never allow caregivers to make your home their legal address. We'll do 24-shift but not live-in.
Live-in caregivers do not get paid hourly and often people get talked into paying them hourly which they should not do. Live-ins get salary and it is not based on minimum wage requirements. It is similar to waitstaff and hairdressers do not have to be paid minimum wage. Live-in caregivers do not have to be either. Even 'Sleep Duty' aides who are people that basically just go to sleep at a care client's house for the purpose of just having someone else in the house, don't get minimum wage either. They get a set amount per shift.
Free room and board is factored in as part of the wages for a live-in caregiver. It does not replace the actual wages though.