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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
my mom moved in with us this year - we have a home helper who signed a 1099 - where do we send it?? the irs website isn't helpful and the automated line isn't either - advice??
Thanks - I thought the home helper is considered a contractor and she signs the 1099 - maybe I have the form name wrong - it's a w9 she should sign/send then?
You will also have state filings, if your state has an income tax.
You may also need to pay into state unemployment and workmans comp.
Check with your local senior center, and see if they have volunteers who can help with this. At many libraries or senior centers they have volunteers who are retired CPAs who can help.
I think what the pp meant by employer match was NOT 401K, no one I know has a qualified plan set up for one employee, but the FICA paid for by the employer, in addition to the employee piece. The link discusses this.
Thanks for this info - I've printed out the form. So I have to pay for FICA? How do I know how much that is?? Seems cost prohibitive for someone visiting with my mom for less than 20 hours a week :(
I'll look for some local resources in my town - I still don't know if the helper files a w9 or schedule H. Thanks VERY much for sharing this!
Tim, FEIN is Federal Employer Identification Number. Companies and Trusts all need to have them, issued by the IRS. This might be of some help in understanding this aspect of being a small employer:
AARP has trained people to work in the field to help individuals with their personal taxes; it's possible since AARP includes caregiving as one of its priorities that it may have someone trained in small business taxing and reporting. It's worth a try.
You should discuss any insurance issues with your insurance agent. Mine told me that in Michigan, small employers hiring as you're doing need to buy commercial policies for comp and liability issues. A few years ago, the cost was $750 to $1000 annually. Friends of mine who are small business owners advised me against this, including b/c comp policies do rise in premiums on an annual basis, and b/c it's costly, especially to a homeowner.
I don't like to "throw a monkey wrench" into your plans, but better that you be prepared for the costs now than be surprised later.
Also, FICA is deducted from the employee's paycheck. You withhold it in each check (just as your employer would for you). Years ago funds held back were sent quarterly to the IRS, but with so much being done online the IRS may have created different provisions for reporting and submitting funds.
Do you have an accountant? If not, a small business specialist might not be a bad idea just to help you get started, as well as develop a good grasp of what role you play, your state and federal tax obligations, etc.
I think if you have a homeowner policy, call your agent, I am covered for one household employee for liability. WC very cheap in my state. google workmans comp in your state, and they may have a state program.
Please also check with your auto insurance as to coverage for the caregiver if they are driving your elders car. Your mom may need to get a rider for them that’s attached to elders existing policy.
they are not a member of the household, so should there be an accident and a claim filed and insurance discovers they are an employee, you run a pretty good probability that the claim will be denied.
years ago my mom had rotor cuff surgery while she was still living in her home & she hired in-home caregiver from an agency (home instead). Agency did NOT allow them to use their personal car to take mom to doctors appointments, PT or even go grocery shopping. All need to be done via my moms car. State Farm was ok with it as it was short term - like less than 90 days- and the caregiver(S) were employed by the agency. But had mom on her own hired a caregiver & FICA/W-9/I-9 them, she would have needed a rider.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
What is the 1096 form and what does it do??
#newbie
For federal taxes, look at the instructions for Schedule H, which deal with household employees. https://www.irs.gov/pub/irs-pdf/i1040sh.pdf
You will also have state filings, if your state has an income tax.
You may also need to pay into state unemployment and workmans comp.
Check with your local senior center, and see if they have volunteers who can help with this. At many libraries or senior centers they have volunteers who are retired CPAs who can help.
I think what the pp meant by employer match was NOT 401K, no one I know has a qualified plan set up for one employee, but the FICA paid for by the employer, in addition to the employee piece. The link discusses this.
I'll look for some local resources in my town - I still don't know if the helper files a w9 or schedule H. Thanks VERY much for sharing this!
https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online
These info sections might be of help as well:
https://www.irs.gov/businesses/small-businesses-self-employed/online-ein-frequently-asked-questions
https://www.irs.gov/businesses/small-businesses-self-employed/online-learning-and-educational-products
AARP has trained people to work in the field to help individuals with their personal taxes; it's possible since AARP includes caregiving as one of its priorities that it may have someone trained in small business taxing and reporting. It's worth a try.
You should discuss any insurance issues with your insurance agent. Mine told me that in Michigan, small employers hiring as you're doing need to buy commercial policies for comp and liability issues. A few years ago, the cost was $750 to $1000 annually. Friends of mine who are small business owners advised me against this, including b/c comp policies do rise in premiums on an annual basis, and b/c it's costly, especially to a homeowner.
I don't like to "throw a monkey wrench" into your plans, but better that you be prepared for the costs now than be surprised later.
Also, FICA is deducted from the employee's paycheck. You withhold it in each check (just as your employer would for you). Years ago funds held back were sent quarterly to the IRS, but with so much being done online the IRS may have created different provisions for reporting and submitting funds.
Do you have an accountant? If not, a small business specialist might not be a bad idea just to help you get started, as well as develop a good grasp of what role you play, your state and federal tax obligations, etc.
they are not a member of the household, so should there be an accident and a claim filed and insurance discovers they are an employee, you run a pretty good probability that the claim will be denied.
years ago my mom had rotor cuff surgery while she was still living in her home & she hired in-home caregiver from an agency (home instead). Agency did NOT allow them to use their personal car to take mom to doctors appointments, PT or even go grocery shopping. All need to be done via my moms car. State Farm was ok with it as it was short term - like less than 90 days- and the caregiver(S) were employed by the agency. But had mom on her own hired a caregiver & FICA/W-9/I-9 them, she would have needed a rider.