The Payroll Float Is the Number That Closes Senior Care Agencies
This plan is built around the numbers in the guide: a properly capitalized senior care agency needs $30,000 to $50,000 to start, including a payroll float of $6,000 to $18,000 because VA and Medicaid accounts run 30 to 90 days behind. It covers why caregivers must be classified as W-2 employees rather than 1099 contractors in almost every state, and how VA Aid and Attendance — up to $2,874 a month for a married veteran — can fund private-pay care families assume they can't afford.
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Built From Real Numbers
The plan works through the IADL versus ADL line that defines companion care versus personal care licensing, the worked financial model at 10 clients and 200 billable hours a week, and why paying caregivers $17 an hour instead of $14 is the cheapest retention strategy available at this bill rate.
It also covers the client service agreement terms that protect the business — minimum shift, cancellation notice, the 90-day direct-hire restriction — and the referral sources that actually produce clients: hospital discharge planners, Area Agencies on Aging, and elder law attorneys.
What's Inside
- Payroll float calculator to size the cash you need before you invoice a dollar
- Client staffing coverage tool for tracking primary caregiver, backup and travel time
- Caregiver screening checklist covering background checks and driving records
- Worked financial model: 10 clients, 200 billable hours a week, full cost breakdown
- VA Aid and Attendance benefit guidance, including the 2026 monthly maximums
- Guidance on the W-2 versus 1099 classification risk specific to this trade
- Referral and retention tracker for discharge planners, hospitals and elder law attorneys
