Home Care Agency vs. Independent Contractor

Questions to Ask

Caregiver backup for emergencies

Bonding, liability & workers comp. insurance

Quality control & supervision of home care staff

Continuing caregiver training

Payroll, taxes, and IRS

Criminal background and reference checks

Flexibility of home care services


General availability

Home Care Agency

We are ready and able to fill the need with one phone call.

Our staff are bonded and insured, giving you peace of mind that if the caregiver hurt themselves in your home they would not sue your home owners insurance policy.

• All cases are carefully monitored and supervised by our Geriatric Case Managers and our management team. 

• Random visits made regularly. 

• Family members kept  informed on a regular basis.

We provide continual mandatory in-service caregiver training.

We assume responsibility.

Our employees are carefully screened at the time of hire with several layers of thorough background checks. 

  • Your home care service requirements will rarely stay the same. 
  •  If the skill level or amount of care that you require increases or decreases, we can accommodate your needs.

Our caregivers have been delivering quality home care to satisfied clients for an average of over seven years.

We can provide home care services to you and your family 24 hours/day, 365 days/year. Your caregiver is available on weekends and holidays.

Independent Care Provider

None. Home care backup is extra stress to your family.

Usually none. It's your responsibility to investigate any insurance held by these individuals. Private individuals can sue your home owners insurance policy if hurt on the job.

These individuals are completely independent and lack formal supervision.

These individuals may or may not continue to build upon their knowledge and skills.

You are responsible for reporting and remitting state, federal, and FICA taxes to the proper tax authorities.

It is your responsibility to check the background of the individual.

Skills are fixed to the particular individual, and you pay for the skills they can perform rather than the skills you need.


One person means limited days and hours. You are responsible for staffing a replacement for sudden sickness, time off, emergencies, and vacations. Employment transitions mean that you start all over again.

Home Care Agency vs Independent Contractor File

Agency vs Contractor (pdf)