Making the most

informed prepared knowledgable educated choice for your unique situation

Learn about the differences between an agency-supported employment model or independent contractor model

Comparing Family Caregiver Total Compensation –
I/DD Agency or Contractor Model

When comparing agencies to deliver the best support for you as a caregiver it is important to understand the different employment models. 

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I/DD Agency 

(Employee Model)

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PTO, Sick, Vacation, & Holiday Pay


PASCO employees earn up to 240 hrs PTO (cash out available), 48 hrs Sick & 10 holidays at 1.5x pay rate per year

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Health, Vision, & Dental Benefits


PASCO covers 67% of contributions (on average) of all benefits

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Life Insurance


Upon hire, caregivers receive a no-cost $50,000 life insurance policy for contingency planning

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Workers Compensation


Caregivers are covered if they are hurt on the job

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Employee Loans


PASCO Caregivers can utilize our loan program up to $1,000 with no interest and no questions asked

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Contingency Planning


Service Coordinators work to ensure there are supports in place in case of an emergency

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Payroll Taxes & Liability Insurance


PASCO pays all required taxes and liability insurance on behalf of the employee so you can stay compliant with the IRS and Department of Labor

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Audit Protection


Employees are protected against audit risk and rule changes that could impact continuity of care

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Nurse Delegation & Individualized Protocols


PASCO Nurses can delegate complex tasks and write individualized protocols for your care plans

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Documentation Support


Necessary documentation is completed by PASCO coordinators so you can focus on delivering quality care

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Agency Support


Dedicated care coordinators and support teams are available to help caregivers

Contractor Model Icon

Independent Contractor Model

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PTO, Sick, Vacation, & Holiday Pay


Not Provided

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Health, Vision, & Dental Benefits


Not Provided

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Life Insurance


Must be purchased in the open market

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Workers Compensation


Must seek alternative solutions

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Employee Loans


High interest loans available through outside vendors

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Contingency Planning


None. The caregiver is referred back to Case Manager

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Payroll Taxes & Liability Insurance


Contractor must pay all applicable taxes and should obtain liability insurance

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Audit Protection


Contractor assumes all or partial liability

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Nurse Delegation & Individualized Protocols


Complex tasks requiring nurse delegation should not be performed and the Contractor responsible for protocols

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Documentation Support


Contractor completes all documentation

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Agency Support


Limited, if any support provided

PASCO utilizes the Employee Agency Model to provide impactful benefits to our caregivers and a whole support system for their families. The support and assistance received from PASCO allow caregivers to focus on what matters most – providing quality care to their loved one.

If you would like to discuss these options in more depth please reach out to our caring team

Connect with Our Caring Team