We have been told on top of paying taxes/withholdings we would also need to provide WC insurance in Ohio. Is this usually the case or does the caregivers do that themselves as part of being self employed? Anyone know of a service that handles specifically payroll for individuals in this arena? It makes me super nervous even thinking of being in charge of all of that.
They handle all of the paperwork and insurance, you will be charged a percentage of the payroll for their services and to cover all the coverage for your employee.
The only time a person is considered a self employed business is when they are properly licensed, bonded and insured. Someone claiming to be self employed should be able to provide you with a copy of their business license, insurance certificate and a copy of their bond. If they don't have that, they can not just be paid, you want to protect everyone involved. Because it's always all good and okay until it's not, at that point you are in trouble.
Thank you for doing it correctly and protecting everyone.
Without those items in the USA, you would be considered an employee. You CAN NOT do 1099 work in a fulltime caregiver situation, it violates the IRS rules and labor board laws.