► A home care agency that employs caregivers is bonded, insured and covers their employees under worker’s compensation. Independent (direct hire) caregivers who do not work for an agency do not carry their own liability insurance or worker’s compensation.

► If an accident or other incident occurs on the job, the employer (the client) would likely be responsible, costing the client hundreds or even thousands of dollars.

► A home care agency will offer to provide a replacement if the caregiver cannot make it to work. If an independent caregiver calls off or doesn’t show up, the client will need a backup plan since there won’t be an agency involved to send a replacement.

► Independent caregivers cannot be bonded. Bonding 
provides theft protection for the client.

► If hiring directly, the client is the employer and is therefore responsible for training, disciplinary action and terminating the caregiver if necessary. If using a home care agency, the agency handles these responsibilities.