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The caregiver must have been vaccinated. Please answer me soon, Shirley

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Room and board are not a substitute for a fair salary. Caregiver must also be given days off. Are you expecting them to be available 24 hours a day. Are you prepared to be an employer, paying and preparing tax and Social Security. Have you checked your homeowner’s policy for liability insurance. Paying cash under the table can cause problems for you and the caregiver.
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Shirley, please talk to the facility social worker about any plans to bring your husband home.

What you are proposing (which was an acceptable things years ago) is now illegal and could end you up in a lot of trouble.

Talk to the social worker
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Shirley you need to talk to the social worker at the facility your husband is in. The cost for a live-in is in the area of $10,000.00 a month in my area. Room and board cannot be considered as payment, even partially, for a live-in according to the IRS.

In the situation of in home caregivers you become an employer, must deduct taxes, pay workman's comp, social security, etc.... And pay overtime?

What you propose is actually illegal. And I don't think you would want a caregiver that would agree to this in your home.
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As already said, you need to talk to the social worker.

A live-in must be paid a salary. They are not on duty 24/7. Its just like any job, 40 hours a week, time and a half over 40 hrs. Room and board are just the perks. They are not considered self-employed so you would be responsible for deducting taxes, Social Security and matching it. You are the employer.

Yes, you need to speak with the Social worker. She can help you with what you will need when he comes home.
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How come family members who caregive for free are not considered slaves? Just because someone is related does not mean they aren't being treated like a slave. Why is that legal?
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Bridger46146 Oct 2021
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Hi Shirley, when you find someone to care give for your husband for free 24/7, please come back and let us all know where you found such a person so all of our troubles will be over forever! Please let us know soon, because the rest of us are paying a fortune for such services.
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Shirley, if you're really serious about this,  you should:

1.   Research to find out how much rent would normally be paid to someone who would be living in the area of your house allocated to a live-in.

2.   Identify all the tasks this person would be performing. 

3.   Research with home care agencies how much it would cost to hire multiple persons to do all this work.

4.   Either hire an attorney or figure out yourself what the taxes would be on wages (I assume this person would be paid??), determine whether or not you can handle this or would have to hire an accountant or attorney to handle it. 

5.   Get estimates from your insurance carrier on professional liability coverage.

6.    Add up all the costs and the compensation and determine if this really is a workable solution.

7.  Identify backup; no one can work 24/7.  Cinderella imprisonment went out decades ago.   This person needs time off.  

8.  I assume you'd also have to have home care in the form of nursing, PT and OT.   Will you medical insurance cover this?

As others have commented, this is not a workable solution.  
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My mom thinks she is going to have this type of arrangement when she gets to the point of needing a caregiver. She intends to let the caregiver live rent free in a dumpy trailer she owns. Crazy thinking
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