Rates for in home care vary depending on the location where services are requested, the time frames requested, and the rates requested by the caregiver who is providing services to you. We strive to be the most cost effective option available. Please contact our offices at any time for current rates.

We will work together with any insurance company to complete the documentation they require and provide them with the paperwork necessary to process your claim. Every Long Term Care Insurance Policy is different and may have specific requirements that must be met before they will pay for care. To help you receive the insurance benefits you are entitled to, we will bill your insurance company on your behalf and assist you with completing all necessary paperwork, but ultimately the responsibility for payment is with you the consumer.

Due to popular demand, we accept assignment of benefits from Long Term Care Insurance Providers. What this means is that we will work together with you to accept payment directly from your insurance company to minimize the expenses incurred by you the consumer. This option does have further details that can be reviewed with you when working with our Billing Manager.

We strive to refer only the best caregivers available but sometimes personality issues arise. Your satisfaction is our #1 priority. Should any issues arise simply contact our offices and we will immediately work to find a caregiver more suitable to your needs.

No, you are not locked into a contract. We have a service agreement outlining payment terms and details of services, but you may cancel anytime with just four hours’ notice.

Registries are required by the IRS to notify caregivers of their tax responsibilities and to annually issue 1099 forms which are used to report annual earnings to IRS. Per industry leaders, past IRS data demonstrates that Independent Contractors who receive a form 1099 have a 97% compliance rate. Employees who receive a W-2 have a 99% compliance rate.*
*IRS data indicates that employees who receive Forms W-2 generally report 99 percent of the income appearing on those forms. E.g., IRS National Headquarters Office of Research, Interactive Tax Gap Map for Year 2001,22-23 (Feb. 24, 2004).
With respect to Forms 1099, the Government Accountability Office testified that: Past IRS data have shown that independent contractors report 97 percent of the income that appears on information returns.

No, the caregivers CHC works together with are not required to carry Workers’ Compensation Insurance. However, Workers’ Comp does not provide the consumer protection many are falsely led to believe.

If a caregiver who is an employee of an agency is injured in a client’s home, Workers’ Comp prevents the caregiver from suing the agency, and in turn, provides some coverage for medical expenses and lost wages. It does not prevent the injured caregiver from suing the client.

 Workers comp only protects the employer (agency) from litigation. Furthermore, if workers’ compensation is involved, the client could be exposed to the risk of a lawsuit from both the caregiver and the Workers’ Comp legal team.

Beware of individuals who give false assurances that Workers’ Comp will protect the client from litigation. For honest answers about workers comp, we suggest visiting the website that the Florida Department of Financial Services maintains. Here you can have your Workers’ Comp questions answered in an unbiased manner. Specifically, “Does Workers Comp protect the consumer or employer?”

The most appropriate protection for a client is their homeowner’s insurance policy. Well-written policies should include protection for injuries occurring in the home. There are umbrella policies available that can provide even further protection.

Remember, if no negligence on the part of the client is determined, the client has no legal financial obligation for an injury a caregiver may receive on the job.

Occupational Accidental Insurance is available for caregivers or their clients to purchase should they desire additional Workers Comp type coverage.

As part of our extensive screening process, all caregivers we refer carry their own individual Malpractice Insurance. The minimum amount of coverage we recommend is $250,000 per incident and $250,000 aggregate. We maintain copies of these policies for referred caregivers and they are available for anyone wishing to review them.

In-home care for the elderly is supervised by family, friends, guardians, etc. If a client has any issues, we will take them very seriously and address them promptly as you see fit.
You can request a Registered Nurse at an additional cost.