Right at Home

Yes. Every caregiver is employed by our local Right at Home office. To help ensure the safety and well-being of our clients, we perform a criminal history background clearance and then cover each caregiver with general liability and workers’ compensation insurance. Be wary of agencies that claim the caregivers are “independent contractors.” In most cases, caregivers do not qualify as “independent contractors” according to tax and labor laws.

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.