Daycare.com Forum Daycare Forum

Go Back   Daycare.com Forum > Daycare Insurance

Daycare Insurance Discuss your insurance and liability concerns here.

Reply
 
Thread Tools Display Modes
  #1  
Old 10-20-2009, 09:39 AM
momofsix's Avatar
momofsix momofsix is offline
Advanced Daycare.com Member
 
Join Date: Oct 2009
Location: michigan
Posts: 1,842
Question Hire Assistant Caregivers to Help Out?

Have any of you had to hire an assistant? I need one to maintain ratio for infants, and am wondering how you establish boundries for the assistant--this will be her place of work, yet it's also my home. What should my expectations be for her, especially regarding things like cleaning up, meal preparation etc? Before I had always hired my daughters to help me out, which worked out great, but they're on to bigger things now!
thank you for your help

Last edited by momofsix; 10-20-2009 at 11:28 AM.
Reply With Quote
  #2  
Old 10-20-2009, 03:00 PM
tinytotzdaycare's Avatar
tinytotzdaycare tinytotzdaycare is offline
Daycare Member
 
Join Date: Sep 2009
Location: Iowa
Posts: 97
Default helper

I have a full time assitant as well as a summer helper

My summer helper works just a few times a week during field trips and large projects..perfect for the colleg student.

My full time assitant has been with me for 5 years

I pay her cash....YES CASH! She doesnt claim it on taxes and it saves me A LOT of paperwork. I cant claim it as an expense BUT she is wonderful and our system works. I pay her slightly less since she doesnt pay taxes but she still makes a great wage and I give her pd vacation/sick days/holidays. She has 1 child that comes her and he comes for FREE as well!
Reply With Quote
  #3  
Old 10-20-2009, 09:52 PM
Chickenhauler's Avatar
Chickenhauler Chickenhauler is offline
Senior Member
 
Join Date: Jun 2009
Location: MN
Posts: 437
Default

Quote:
Originally Posted by tinytotzdaycare View Post
I have a full time assitant as well as a summer helper

My summer helper works just a few times a week during field trips and large projects..perfect for the colleg student.

My full time assitant has been with me for 5 years

I pay her cash....YES CASH! She doesnt claim it on taxes and it saves me A LOT of paperwork. I cant claim it as an expense BUT she is wonderful and our system works. I pay her slightly less since she doesnt pay taxes but she still makes a great wage and I give her pd vacation/sick days/holidays. She has 1 child that comes her and he comes for FREE as well!
I shudder whenever I see this......being that you're paying her in cash, how are you handling such things as workman's comp? If she were ever to get injured on the job, things could get ugly.....like "lose everything you have" ugly.

You can try to declare her an "independant contractor", but I doubt you'd be successful, as you supply the location, time, materials, and allot the hours. The paid time off is a red flag anytime that status is brought up.
__________________
Spouse of a daycare provider....which I guess makes me one too!
Reply With Quote
  #4  
Old 10-21-2009, 05:15 AM
tinytotzdaycare's Avatar
tinytotzdaycare tinytotzdaycare is offline
Daycare Member
 
Join Date: Sep 2009
Location: Iowa
Posts: 97
Default

Quote:
Originally Posted by Chickenhauler View Post
I shudder whenever I see this......being that you're paying her in cash, how are you handling such things as workman's comp? If she were ever to get injured on the job, things could get ugly.....like "lose everything you have" ugly.

You can try to declare her an "independant contractor", but I doubt you'd be successful, as you supply the location, time, materials, and allot the hours. The paid time off is a red flag anytime that status is brought up.


*********************************************************

Just to clarify which I should have done before.....she is my sister and the summer fill in is also a family member so workmans comp is not an issue. My sister has insurance and b/c she is my sister I know she wouldnt make a claim against my daycare EVER.

I do understand what you are saying, and if it wasnt for her being family I would do as you are suggesting and do it the other way, but this works for me and my sister prefers it this way as well.

I do have homeowners insurance as well as an extra daycare policy as well, this also covers my sister and my cousin (summer helper). I pay my sister $15 an hour cash and this works for her, she prefers it this way.

Guess it is really on a case by case basis....if you are hiring someone that you dont know or have an question you should most definately HIRE HER AND CLAIM IT AND HAVE WORKMANS COMP ECT.
Reply With Quote
  #5  
Old 10-27-2009, 11:21 AM
SimpleMom's Avatar
SimpleMom SimpleMom is offline
Senior Member
 
Join Date: Jun 2009
Posts: 590
Default

That's great that you have someone to help out!! I would LOVE to hire someone FT/or PT even. The wages here are not high though for one I can't afford to do it and another is that I haven't been able to find anyone I trust that's willing to do it.

I bet that helps out so much, though
Reply With Quote
  #6  
Old 10-27-2009, 10:11 PM
Chickenhauler's Avatar
Chickenhauler Chickenhauler is offline
Senior Member
 
Join Date: Jun 2009
Location: MN
Posts: 437
Default

Quote:
Originally Posted by tinytotzdaycare View Post
*********************************************************

Just to clarify which I should have done before.....she is my sister and the summer fill in is also a family member so workmans comp is not an issue. My sister has insurance and b/c she is my sister I know she wouldnt make a claim against my daycare EVER.

I do understand what you are saying, and if it wasnt for her being family I would do as you are suggesting and do it the other way, but this works for me and my sister prefers it this way as well.

I do have homeowners insurance as well as an extra daycare policy as well, this also covers my sister and my cousin (summer helper). I pay my sister $15 an hour cash and this works for her, she prefers it this way.

Guess it is really on a case by case basis....if you are hiring someone that you dont know or have an question you should most definately HIRE HER AND CLAIM IT AND HAVE WORKMANS COMP ECT.

I wouldn't be so much worried about your sister, but HER insurance.

Insurance companies are always looking for a reason to weasel out of paying a claim, and one of their favorites is "It's not OUR responsibility, it's the other insurance co's responsibility".

If she ever does get injured, make very, very sure that she never mentions the words "work", "Pay" etc.

Your daycare policy may have provisions in their for the coverage of occasional assistants....IDK, every policy is different.
__________________
Spouse of a daycare provider....which I guess makes me one too!
Reply With Quote
  #7  
Old 10-30-2009, 05:36 AM
tinytotzdaycare's Avatar
tinytotzdaycare tinytotzdaycare is offline
Daycare Member
 
Join Date: Sep 2009
Location: Iowa
Posts: 97
Default

Quote:
Originally Posted by Chickenhauler View Post
I wouldn't be so much worried about your sister, but HER insurance.

Insurance companies are always looking for a reason to weasel out of paying a claim, and one of their favorites is "It's not OUR responsibility, it's the other insurance co's responsibility".

If she ever does get injured, make very, very sure that she never mentions the words "work", "Pay" etc.

Your daycare policy may have provisions in their for the coverage of occasional assistants....IDK, every policy is different.


Our insurance policy does cover assistants as well, HOWEVER only 1 assitant may be present at any given time...this I am glad I found out b/c I didnt know! Thanks for making the point

Last edited by Michael; 10-30-2009 at 09:08 AM.
Reply With Quote
Reply

Tags
assistant, hire, insurance, policy

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Teacher vs Assistant question Becky25 Daycare Center and Family Home Forum 1 08-09-2012 12:57 AM
Assistant Spreading Rumours radhas Daycare Center and Family Home Forum 12 05-17-2012 10:49 AM
Home Daycare Assistant Minimum Age - and Supervision? working9to5 Parents and Guardians Forum 11 01-20-2012 09:10 AM
Hiring An Assistant DancingQueen Daycare Center and Family Home Forum 13 11-22-2010 12:32 PM
Getting a New Assistant - Need Your Opinion sahm1225 Daycare Center and Family Home Forum 4 08-08-2010 12:19 PM


All times are GMT -7. The time now is 08:33 PM.



Daycare.com         Find A Daycare         List Your Daycare         Toys & Products                 About Us

Daycare.com
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming