Filing income taxes is the law and not reporting is dishonest and breaking the law.
Loans are not considered income.
Ask for documentation on licensing, background check, CPR and first aid. Ask for references and meet one on one when considering a candidate. Personalities play a big part in caring and receiving care. There sould be a good fit.
I have been on the receiving end of that situation. There can be so many situations that depend on a PCA to be on time. This is something I have never done.
Who has power of attorney for both health and financial cituations? That is a good start. Try talking to a healthcare service agancy. I would do this in person.