Protecting Your Loved Ones And Their Legacy

Choosing a caregiver for an aging loved one is one of the most important and personal decisions a family can make. Many families focus on familiarity and affordability, but it’s just as important to consider potential financial and legal risks. Hiring a private, uninsured caregiver may seem like a straightforward solution, but it can come with unintended conse-quences that impact both your loved one’s well-being and your family’s financial security.

The Hidden Risks of Uninsured Caregivers

Many families don’t realize that hiring a private caregiver without proper insurance or licensing can create serious liability concerns. If an uninsured caregiver is injured while working in your home, your family could be responsible for medical bills, lost wages, and even legal claims. Beyond financial risks, there are also concerns about safety and oversight. Without agency screening or supervision, there may be fewer safeguards in place to protect your loved one from neglect, fraud, or abuse.

California law generally requires that licensed home care organizations conduct background checks, provide training and supervision, and maintain insurance coverage. This added layer of protection helps families focus on what truly matters—providing compassionate support and dignity for their aging family members.

Estate Planning to Protect Your Family’s Future

Estate planning isn’t just about drafting a will—it’s about making thoughtful decisions that protect your family’s long-term financial security. Unexpected costs from caregiving-related issues can disrupt even the most carefully structured estate plan. If you’re navigating caregiving choices and wondering how they fit into your overall estate plan, a qualified California attorney can provide general guidance based on your circumstances.

Morgan R. Small is the founder and principal attorney of Estate Legacy, APC, a California law firm dedicated to guiding individuals and families through the complexities of trust and estate law. Morgan holds a Bachelor of Arts in History from San Jose State University, a Juris Doctor from the University of San Diego School of Law, and a Master of Law in Taxation from Loyola Law School. Morgan was admitted to the California State Bar in 2019.