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What kind of insurance do you need when hiring an in home care person

When hiring a senior care person for in home care. What type of insurance do you need? Is having one necessary?

Answers

health insourance

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Dana in Boerne, TX
June 7, 2019

no insurance needed for the care person

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Maybe personal accident insurance

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It depends on the state you live in.

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Bond insurance is helpful!

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You need to for sure have your home owners insurance. When hiring people to come into your home you should also have liability insurance. You never know who might sue you...it is better to be protected. Generally individual contractors will have their own insurance. But it is better to be protected on your own when hiring housekeepers, window cleaners, self care workers, and home care workers. Having insurance is always necessary! Make sure you have the right one. I am speaking as a business and /home care owner

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CAR AND MEDICIAL SO IF YOU OR SOMEONE GET HURT YOU WILL BE COVERD

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You need to have a homeowner's insurance policy accident liability if you own your home

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I think it's good to have an insurance

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It is not necessary Thanks

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Jennifer in Sylmar, CA
April 14, 2019

Hello , Look under your Umbrella Policy for your car and Home. Plus if a good Caregiver , they would carry there own Bonding Insurance . Go the Extra Mile for their Clients

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the insurance would be necessary for your medications and appointments.

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is necessary to have one?

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NO...if..you..drive..you..should..have..car..insurance

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CRN if needed

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Liability Ins. ?

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You don't need a insurance for that kind of positution I was hired before and was trained as a Nursingaid and Medication dispensint.

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Lena in Alsip, IL
April 9, 2019

one would be nice when hiring a person to come into your home is a regular job you are the employer and that person is the employee just like a 9 to 5 yes you should have insurance ,like medical dental and vision and also a matching 401k

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Elli in Marion, IA
April 8, 2019

No need for Insurance as long as you have home owners insurance that would take care if someone would fall. For items in your home could get extra insurance or put cameras in your home.

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Having insurance is not necessary. Most employees work for cash, no paperwork for most !!!!

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if it your personal Home you would haft to have home owners Insurance that would protect you in case of an accident happen to occur.

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yes it is necessary, u need to purchase liability insurance to be on the safe side

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Elisa in Albany, NY
April 7, 2019

Liability. Preferable.

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Betty in Irving, TX
April 6, 2019

I have had 20 years experience in house cleaning very passionate and detailed vacuuming, washing windows, dusting, mopping, cleaning and sanitizing toilets, showers, bathing, counter tops, and sinks.

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Lori in Zionville, NC
April 6, 2019

I honestly am unsure about insurance for individuals providing Home Care/Elder Care,none of my clients/their family members have ever mentioned insurance. I'm certain that Home Health Agencies have Liability Insurance in case someone wants to sue them.

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To have caregiver's insurance for inhome care is a good thing, although it is not necessary I feel it is entirely between the client and the caregiver to have that cover or not.

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No but it does help in paying for the person's needs or even paying for an aide though.

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Usually you don't have to have any insurance but it depends on the type of care needed.

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Queen in Dallas, TX
April 4, 2019

No, insurance is needed to employ anyone to be a senior caregiver.

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Rose live in mount Vernon ny

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i have a my insurance , i no need change or something else

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I am not an insurance professional. I have worked for many clients in their home. Insurance was never brought up but, I would guess that just regular home insurance to protect people from falls or injury on your property. Some caregivers carry liability insurance.

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Having Insurance is Not necessary when hiring a care person for in-home care.

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Yaima in Hialeah, FL
March 25, 2019

NON NECESSARY

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It is always good for the caregiver to get a bonding insurance, and the client as well. This insurance covers you if for example, that the client or family member said you broke or stole something. It would cover that cost.

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Annie in Dothan, AL
March 21, 2019

Having insurance should be at the discretion of the compromise of the family and caretaker. If insurance is not available or agreed upon then it should reflect in the hourly pay so that the caretaker/employee can shop around for the affordable insurance plan that fits them and their family.

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Anne in Bethlehem, PA
March 21, 2019

yes you need one for profession liability

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insurance for accidents? I dont understand

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Summer in Longview, WA
March 20, 2019

You can have any insurance that covers it unless you are opting to be private pay.

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Barbra in Knoxville, TN
March 20, 2019

Yes it is important to protect yourself as well as your clients insurance is necessary either from a agency or privately

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Billie in Fletcher, OH
March 19, 2019

If hiring privately no health or bond insurance is needed. If you're concerned about taxes you can claim the money being paid out and the provider would file a 1099 form. It is also wise that you have the caregiver sign a contract saying you're not liable for being hurt and they are referred to as a subcontractor.

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Nana in Bronx, NY
March 16, 2019

it depend on the company

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It is not necessary but it is an option.

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you can have whatever insurance company that is comfortable for you and your family. yes it is very important to have insurance.

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Thomas in Ann Arbor, MI
March 13, 2019

Google it. I did. AARP says you should check with your home insurance company.

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User in Charlotte, NC
March 12, 2019

Liability insurance is what I have, I would think Respite Care would be their best bet.

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I believe it is up to the caregiver to carry insurance unless you are willing to provide workers comp insurance with tax withholdings. I carry a liability policy and would also carry workers comp if I were asked to. This is expensive for self employed individuals so their rates may be higher if they are asked to carry it.

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Laure in Edmonds, WA
March 11, 2019

I'm not sure I NEED insurance if I have my own health coverage?

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Terri in Southport, NC
March 11, 2019

Medical and Dental

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Kate in Geyserville, CA
March 10, 2019

Homeowner's insurance that provides coverage, insurance and worker's compensation will need to be paid to offset any concerns regarding freelance in home care assistance.

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If i have two different profile do I have to pay twice for background check

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You do not need insurance. Many families are self pay.

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Insurance is not required

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John in Fayette, IA
March 8, 2019

I carry both general liability and professional liability insurance. I would also provide worker's compensation insurance for anyone I might employ.

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You need liability insurance

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Marie in Naples, FL
March 6, 2019

You will need liability insurance and yes having one is very important

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Anna in Bowie, MD
March 6, 2019

I have tried several times to undergo the background check but to no avail,please sir can you help me go through the process, each time l try doing it, l will get stock on the way.

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Medicaid is the most popular insurance for most consumers. If they have Medicaid, they will need to go to TempusUnlimited.org or masscp.org (for Massachusetts) There will be faq and guidelines for the program, and application. For MA consumers, the consumer and pca fill out timesheets - online, submit, and Tempus handles the rest. I am unsure how other insurance companies work, or if they require out of pocket, with receipt to submit for reimbursement. You should call your insurance to find out also, if a doctor or VNA has to prescribe services. I hope this helps.

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Having insurance is NOT necessary. However, if you do have insurance, there is a high possibility that In-Home Care would be either low cost or even no cost to the consumer. Without insurance the consumer will pay the caregiver or an agency directly.

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personal injury liability

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I do have insurance.

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Claudine in Ocala, FL
March 3, 2019

Workers Compensation!

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Personal medical insurance

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Mildred in Dallas, TX
March 3, 2019

the insurance is medicare

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Check with your homeowner's insurance policy first regarding liability. You can always suggest to your new caregiver to employ all training regarding safety and utilize it while on duty in your home. Even though this setting is less formal than a public job, all training in that area should be implemented. Probably a good idea to hire one who has experience verses one who does not. Public employers ask such questions as; Ever been injured on the job? Therefore it should be okay for you to ask the same.

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I don't think it's necessary for you to have it but if you have a concern it's best that you get the caregiver to get liability and professional insurance.

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Laura in Garner, NC
March 2, 2019

You need no special insurance policy.

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Dolores in Miami, FL
March 1, 2019

Hablo mas el espanol que el ingles.Estoy disponible de Lunes a viernes, de 9 am a 6 pm

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According to AARP, You, the client, may be held liable for an on-the-job accident unless you buy liability insurance that covers the caregiver.

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I think the client needs an additional insurance if the caregiver will be driving the client to an appointment in their car, an insurance will be needed for the added driver.

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