Right at Home

Right at Home takes care of screening and vetting caregivers, and conducting caregiver background checks so you don’t have to. You can save yourself a great deal of time and enjoy peace of mind knowing that a team of experienced professionals has your back. Families who hire independent caregivers must take on the responsibilities of being an employer, which includes performing their own caregiver background checks, managing payroll and tax withholdings, and providing professional liability insurance. There are no backup caregivers for sick days, and it can be challenging to locate, hire and train caregivers.

Each policy is different, so you will need to work closely with your broker or agent to make sure you choose the coverage you need. But in general, most comprehensive long-term care policies pay for in-home care if you need help with the activities of daily living like dressing and hygiene, or household tasks like cooking and light housekeeping, which can mean the difference between living at home and moving to a nursing home.