If you are hiring a caregiver for yourself or another loved one, you may be tempted to try to make the process as simple as possible by treating the caregiver as a “private contractor.” You tell the person, “I will pay you so much an hour, and you deal with the IRS and the State when it comes time to pay taxes.” After all, taking on the responsibilities of withholding taxes (and then paying the taxing authorities), buying Worker’s Compensation insurance, paying Social Security and Medicare tax, and all the rest, may seem daunting if you have never done it before. Be aware, however, that the IRS and the State will probably take the position that the caregiver is an employee, that you are an employer, and that all of the legal obligations that attach to those labels apply to your situation.
IRS Publication 926 gives very helpful guidance to those hiring household employees, including caregivers. You would do well to go through that publication and consider all of the questions it poses, several of which might never occur to you. For example, can your prospective caregiver legally work in the U.S.? How do you verify that, and what records must you keep to prove that you satisfied your obligation to verify the caregiver’s status? On that subject, you can find all of the information and forms you will need at the U.S. Citizenship and Immigration Services website, www.uscis.gov.
Depending on your budget and the number of caregivers you need, it may make sense to look into local employment or caregiver agencies. This simplifies your job. You can contract with the agency, and the agency will be the caregiver’s employer and will deal with all of the details of being an employer. You will pay a premium for this kind of service, but the agency’s experience and employment expertise may make the extra cost seem like a bargain.
Another set of issues arises if you opt to be the employer of a caregiver, and then your employee is injured on the job. If you have made sure to carry the right kinds of insurance, you will be fine. However, the consequences of failing to do so can be financially disastrous. An agency will probably carry Worker’s Compensation insurance, but you should be sure to talk with your personal insurance professional to find out if there is anything else you should do to protect yourself through your homeowner’s and umbrella policies.
The bottom line is that you should not hire a caregiver without addressing your legal responsibilities and potential liabilities. Ask your trusted advisors — your CPA, your lawyer and your insurance professional — for guidance, and check out the resources cited above. You will be glad you did.

As we kick off the summer, it is time to start spending more time with our friends and families, and to be thankful for our health. Although the summer days are long, our time is short. Take a moment to call and say hello to a family member or friend. Personally, once a year I spend several days with my entire family (30+ and growing) to play sports, go to the beach, eat meals together and reminisce about the good ol’ days. We spend hours talking story and, yes, we probably tell the same stories each year, but none of us mind. I tell all my friends that this is what keeps our family together. Thanks, Mom and Dad!
Moving and transferring the elderly is a challenge for many caregivers, especially those who lack formal training. But, the process can be made easier and safer by learning some simple tips.
Last year, Neil Abercrombie proposed a vision for older adults that caused us to consider aging in a new way. He suggested that most adults over 60 are a tremendous economic and social asset. Elder care professionals, however, have been focused on the rapid growth of the aging population and the challenges that it poses to Hawai‘i’s resources to pay for more workers and services. For decades, there have been evaluation studies, financing proposals and legislative changes to promote new initiatives. Despite these efforts, we are still grappling. Where are we going? What is our statewide goal for long-term care? Do we wish to promote self-responsibility? Should we promote a state mandate to finance long-term care? Should we try to re-balance the system by emphasizing non-institutional care? Should we limit care for only the very needy?
Pālolo Chinese Home provides home cleaning for seniors living at home. For as little as $30, residents aged 65 years or older (and whose annual income is less than $24,000) can have their home cleaned, with satisfaction assured by Pālolo Chinese Home. “Our professional staff will visit your home, evaluate your cleaning needs, and perform the work under our supervision and with our full security,” says Nakayama. “It is thanks to a PIN grant provided by the Hawai‘i Community Foundation that these services can be provided,” she adds. The PIN grant is limited and may end later this year.
While shrimp may be small in size, these protein-rich and low-carb crustaceans are huge in terms of nutritional value and health benefits.