Learn about the differences between an agency-supported employment model or independent contractor model
Making the most
informed prepared knowledgable educated choice for your unique situation
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.
I/DD Agency
(Employee Model)
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
Health, Vision, & Dental Benefits
PASCO covers 67% of contributions (on average) of all benefits
Life Insurance
Upon hire, caregivers receive a no-cost $50,000 life insurance policy for contingency planning
Workers Compensation
Caregivers are covered if they are hurt on the job
Employee Loans
PASCO Caregivers can utilize our loan program up to $1,000 with no interest and no questions asked
Contingency Planning
Service Coordinators work to ensure there are supports in place in case of an emergency
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
Audit Protection
Employees are protected against audit risk and rule changes that could impact continuity of care. Agencies will handle all audit requests.
Nurse Delegation & Individualized Protocols
PASCO Nurses can delegate complex tasks and write individualized protocols for your care plans
Documentation Support
Necessary documentation is completed by PASCO coordinators so you can focus on delivering quality care
Agency Support
Dedicated care coordinators and support teams are available to help caregivers
Independent Contractor Model
PTO, Sick, Vacation, & Holiday Pay
Not Provided
Health, Vision, & Dental Benefits
Not Provided
Life Insurance
Must be purchased in the open market
Workers Compensation
Must seek alternative solutions
Employee Loans
High interest loans available through outside vendors
Contingency Planning
None. The caregiver is referred back to Case Manager
Payroll Taxes & Liability Insurance
Contractor must pay all applicable taxes and should obtain liability insurance
Audit Protection
The contractor assumes all or partial liability and their home becomes a residential facility akin to a host home.
Nurse Delegation & Individualized Protocols
Complex tasks requiring nurse delegation should not be performed and the Contractor responsible for protocols
Documentation Support
Contractor completes all documentation
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
