Deedle, if you do become a paid caregiver, with the elderly couple paying you, you then become an "employee" thus would need an employment contract. Also, this couple would need to contact their homeowner's insurance carrier and purchase a "workman's comp" policy in case in the future you become hurt on the job. If you are self-employed, you would need to send to the IRS Estimated Quarterly Taxes.
Now, if this elderly couple is unable to budget for paying you, they can contact their State Medicaid office [different from Medicare] to see if they can qualify for Medicaid. Then check with the State to see what programs the State may have to pay you. Each State handles their own Medicaid programs, it will not be full-time with a living wage, nor any benefits.
If they have family, they should be involved. With his Dementia he cannot make decisions.
Taking care of two people will not be easy. You should have some training or you could hurt yourself helping her. The best place for both would be an AL at least.
If you do this through care.com they will figure out the taxes for you. You don't need to post that you need a job, as you already have one in mind. It's only worth it if you plan to continue the job for at least a year because there is of course a fee to them.
The couple should pay you and a contract drawn up that they will pay you X amount every week or every 2 weeks, whatever you and they decide. Get everything in writing. There are people on this site that are more familiar with employment contracts and hopefully one of them will come along and inform you about specifics.
She probably shouldn’t have them hire her privately because she can’t be an independent contractor. This is an elderly couple and all things considered, they probably don’t understand the logistics of payroll and the taxes they have to pay....
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Now, if this elderly couple is unable to budget for paying you, they can contact their State Medicaid office [different from Medicare] to see if they can qualify for Medicaid. Then check with the State to see what programs the State may have to pay you. Each State handles their own Medicaid programs, it will not be full-time with a living wage, nor any benefits.
Taking care of two people will not be easy. You should have some training or you could hurt yourself helping her. The best place for both would be an AL at least.
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