






Don't I make more money working privately?
Not necessarily. While a private hourly rate might seem higher, you must subtract the 15.3% self-employment tax, the cost of your own liability insurance, and the income lost from lack of worker’s compensation if you’re injured. When you factor in the lack of overtime pay and benefits, the agency wage is often more financially secure.
What is my biggest liability when working privately?
Your biggest risks are injury and lawsuits. If you get hurt on the job, you have no income and are responsible for all your medical bills. If a client falls and the family claims you were negligent, you could be sued personally with no legal or financial protection.
Why do I need supervision if I'm an experienced caregiver?
Supervision isn’t about micromanagement; it’s about support. A supervisor is your advocate, a clinical resource for tough questions, and your guide for professional development. They are there to help you, not to watch over your shoulder.
Can an agency really offer a flexible schedule?
Absolutely. Because agencies have many clients with diverse needs, they require caregivers for all types of shifts—days, weekends, overnights, and short-term assignments. They are experts at matching your availability to client needs.
How do I handle a schedule change with an agency versus privately?
With an agency, you simply call your scheduler. They handle communicating the change to the client and finding a replacement. Privately, you have to have that difficult conversation with the family yourself, which can damage the relationship and put the client’s care in jeopardy.
Can I still build a close bond with my client if I work for an agency?
Of course. The agency provides the professional framework, but the human connection you build with your client is all your own. Working for an agency simply ensures that the relationship is built on a foundation of safety and clear, professional boundaries.








