Paying nannies under the table

[Anonymous]

Employers are willing to do it because it costs less. The reasons a nanny would accept it are all short-sighted.

[Anonymous]

It was close to impossible for me to find a nanny who would agree to be paid legally. It was in my job post and the very first sentence I’d reply to them when they wrote indicating how perfect the position was

[Anonymous]

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

Anyone who would like social security in their old age.

Seriously.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

[Anonymous]

Anonymous wrote:When hiring a nanny what it is most important is whether they provide a safe, caring and warm environment for your kids.
It does not matter if they don't want you to hold takes, (or they prefer to pay taxes themselves).
Lighten up

+1 that's how I feel.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

That is not legally required, unless you are a bigger corporation, thanks to ACA. Small businesses are not required to provide health insurance to their employees, which is why ACA was so important.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

You are one in a million.
Incredible how most people on DCUM demand employer health insurance, but REFUSE to give it to their OWN employee.

Someone please explain this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

Anyone who would like social security in their old age.

Or evidence of an income in order to qualify for a lease or mortgage.

My friend's nanny owns (2) homes in the U.S., and at least (1) in Peru - she is not worried about mortgages, and makes $28./hour under the table - guaranteed 40/hours per week for two kids. Oh, and she refuses to fold laundry (as the only household task requested). These people are laughing all the way to the bank.

[Anonymous]

We no longer have a nanny, but we did it partially. We paid her $15/hour on the books, and the remainder in cash. Neither of us are in jobs working for the gov't or that would ever require clearance.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

That is not legally required, unless you are a bigger corporation, thanks to ACA. Small businesses are not required to provide health insurance to their employees, which is why ACA was so important.

I know it isn’t legally required. But our system in the US is mostly employer sponsored insurance unless you qualify for Medicaid or Medicare or some other public provided insurance (which she does not). And I did not feel right about not providing it for her when I could (and she has no ability to pay for it; her income is slightly above the ACA subsidy amounts). I like the ACA but a huge flaw is that the subsidies end at low levels. She makes about $50k a year. Her policy for a Kaiser HMO is $1600/mo. The math just does not work. She is super frugal and responsible. Does not waste money on frivolous things at all. She owns her own home (which is great; she eventually will have it paid off), has an older but reliable car and that is about it with how she spends her money. She could not afford the $1600/mo premiums (the deductible is very low; she also could not afford a big deductible to make the premiums lower; that would have been wasted money). So I pay for it.

[Anonymous]

Every nanny I hired I asked if they’d like to be on or off the books. I always paid the high end of the range, two weeks paid (with an additional week between Christmas and New Years just because I didn’t want them at that time. Only one wanted to be on the books (and we paid the full amounts.) We did not offer health care. All have been legal residents and/or citizens. I never judged their choices and knew even if I ‘was caught’ I could get out of any consequences. I’m self employed and there are so many legal ways for me to manipulate my income it just seems very American to do as much for my valued employees as possible. Yes-they’ve been aware they’re gonna be out of SS, etc but the value for them in the here and now has alway been compelling.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

That is not legally required, unless you are a bigger corporation, thanks to ACA. Small businesses are not required to provide health insurance to their employees, which is why ACA was so important.

I know it isn’t legally required. But our system in the US is mostly employer sponsored insurance unless you qualify for Medicaid or Medicare or some other public provided insurance (which she does not). And I did not feel right about not providing it for her when I could (and she has no ability to pay for it; her income is slightly above the ACA subsidy amounts). I like the ACA but a huge flaw is that the subsidies end at low levels. She makes about $50k a year. Her policy for a Kaiser HMO is $1600/mo. The math just does not work. She is super frugal and responsible. Does not waste money on frivolous things at all. She owns her own home (which is great; she eventually will have it paid off), has an older but reliable car and that is about it with how she spends her money. She could not afford the $1600/mo premiums (the deductible is very low; she also could not afford a big deductible to make the premiums lower; that would have been wasted money). So I pay for it.

$1600 for Kaiser?! That seems very high, pp. We are paying our nanny’s premiums and it is $700 for a major PPO.

[Anonymous]

Most of the people I know with nannies pay them under the table because it's a compromise between someone quitting their job and being even more cash strapped.

[Anonymous]

I don't understand why someone would get accept about childcare being paid under the table. If you don't like that, then don't pay someone under the table. Problem solved!

I wouldn't worry about someone making 24k a year untaxed when Amazon hasn't paid taxes in years. Even if you put all the illegal immigrants and under the table salaries together, they still wouldn't come close to what big corporations get away with.

This seems like very misdirected anger.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean I'd like to get paid under the table too. Who wouldn't? Lots of us can get insurance through our spouse's jobs.

So why don’t nannies get any health insurance? A few get a stipend to contribute to health insurance costs. Health insurance is essential.

Mike does. It costs $1600/mo for her Obamacare policy. I think many could not afford that.

You pay $1600 monthly for her insurance on top of her pay? That’s very generous.

I do. It actually costs more than we pay her per month (she works part time for us). She had never had health insurance before (she is in her early 60s). We have a system in the US where employers provide health insurance. I talked with my husband and we decided to do pay for it. It is expensive, but we just cut back on charitable contributions and directed the money this way. At least I know it is actually helpful for someone who is important to our family.

That is not legally required, unless you are a bigger corporation, thanks to ACA. Small businesses are not required to provide health insurance to their employees, which is why ACA was so important.

I know it isn’t legally required. But our system in the US is mostly employer sponsored insurance unless you qualify for Medicaid or Medicare or some other public provided insurance (which she does not). And I did not feel right about not providing it for her when I could (and she has no ability to pay for it; her income is slightly above the ACA subsidy amounts). I like the ACA but a huge flaw is that the subsidies end at low levels. She makes about $50k a year. Her policy for a Kaiser HMO is $1600/mo. The math just does not work. She is super frugal and responsible. Does not waste money on frivolous things at all. She owns her own home (which is great; she eventually will have it paid off), has an older but reliable car and that is about it with how she spends her money. She could not afford the $1600/mo premiums (the deductible is very low; she also could not afford a big deductible to make the premiums lower; that would have been wasted money). So I pay for it.

$1600 for Kaiser?! That seems very high, pp. We are paying our nanny’s premiums and it is $700 for a major PPO.

She is in her early 60s. ACA policies cost more as you get older.