Tired of the nanny search? We currently have two highly qualified nannies available: one looking for long term work, one looking for summer work. Text/Call 206-817-8988
Providing wage replacement and medical benefits to injured workers, workers’ compensation is also known as the “compensation bargain.” The benefit to the employer largely rests on the fact that workers may not sue their employer for negligence if a proper insurance policy has been purchased by the employer.
In Washington State, households (the employer) with less than two full time domestic servants (such as nannies, maids, gardeners and maintenance workers) are not required to carry workers compensation insurance.
While a relief for some households, others may wonder:
Should I elect to purchase workers’ compensation insurance?
If a household employee gets injured on the job, you may be personally liable for medical costs and lost wages. Protecting your assets is a concern to many employers, so what are your options?
- Option 1) Purchase workers’ compensation insurance from the Washington Department of Labor and Industries. The 2019 estimated cost for new household employers is $1.0904 per hr worked.
- Option 2) Purchase workers’ compensation insurance policy from a private company.
If paying $1.0904/hr sounds high, you’re right. It’s likely this high because this risk class includes more injurious professions such as caretakers that “help with ambulating.” A quick look at L&I confirms the fact that this rate is similar to those of other physically demanding professions:
Try shopping around for workers’ comp policies. You’ll likely find a better rate.
- Option 3: Go without workers’ comp. Most families feel uncomfortable with the risk but you’ll probably save a lot of money with this route.
Western Washington’s snow has melted, the birds are chirping and summer is just around the corner. For most kids in the puget sound area, summer will come later than usual. The five snow days seen by Seattle Public Schools and others around the region have pushed school back to nearly the end of June.
For parents, this means a delay in finding activities and childcare for kids, but it also may interrupt prior plans for camps at the end of June.
A summer nanny can provide an extra hand to replace the structured school days whether the kids are in camps or need someone to facilitate keeping them busy.
Some of the best nannies come from local universities but not all of them can meet your families needs. Through years of recruiting, screening and hiring tutors from these universities, we’ve found a select few that also have exception childcare experience and references.
Summer Nanny Resumes
What are some of the skills and experience we look for in great nannies?
- Exceptional references
- At least one summer of childcare experience
- Relevant Academic Interest, including:
- Early Childhood Education
- Skills to keep kids busy during the summer
- swimming instruction
- Driving experience
- Reviewing resume and other materials
- Reference Checks
- Background Checks
firstname.lastname@example.org or text: 206-817-8988
Disclaimer: This is an educational guide only and is not a replacement for a tax professional. Please speak with an attorney and accountant for further guidance. In spite of our best efforts, we do not guarantee the accuracy of this information.
Why should I care about payroll taxes, if I’m using payroll services?
The the IRS reminds us:
You’re responsible to ensure that tax returns are filed and deposits and payments are made, even if you contract with a third party to perform these acts. You remain responsible if the third party fails to perform any required action.https://www.irs.gov/pub/irs-pdf/i1040sh.pdf
As a household employer, you’ll need to pay taxes on the wages and/or salaries of any employees.
One of the smaller components of payroll tax is the unemployment tax, a levy of concern to both the state (also known as state unemployment tax or “SUTA”) and federal government (federal unemployment tax “FUTA”).
Washington State Unemployment Tax:
For those of us in Washington State, you won’t need to pay state or federal unemployment taxes until you hit $1000 in wages/salaries per quarter. The Employment Security Department governs unemployment benefits and associated taxes paid by the employer. Questions specific to their divisions can be answered at 1-855-829-9243 or via a number of other contact methods: https://esd.wa.gov/employer-taxes/businesses-contact
How much is the tax in Washington State?
For new employers (the household is considered an employer) the estimated tax rate for “domestic services” would be 0.13%. So if your nanny’s annual gross wages are $35,000, that equates to only $45.50 per year. Nothing to worry about there–the important point is that you’re paying it so you avoid any penalties.
Federal Unemployment Tax
FUTA ends up being a modest tax due to a credit associated with unemployment taxes paid to the state. The FUTA rate is 6%, however employers typically receive a tax credit of 5.4%, effectively making it only 0.6%.
If you need more info about outsourcing your payroll duties, check out the IRS guide here.
Further Resources on Nanny Unemployment Taxes in Washington:
The WA ESD Handbook for Employers:
An FAQ produced by WA state ESD:
Thanks to recent research from UW, we now have a better idea about how high school start times affect students. Biology professor Horatio de la Iglesia and doctoral student Gideon Munster recently released a report documenting their findings. By starting school an hour later, students gained half an hour of sleep, according to the researchers. And more importantly, the this extra sleep translated into the teenagers’ improvements in school performance and attendance.
The researcher’s publication can be found in “Science Advances“.
Jeremy, one of our math and physics tutors at sister agency Seattle Tutoring Services, was recently featured in the Seattle Times. He’s a UW student who leads the University’s Advanced Robotics organization. They recently returned from a competition in China. Check out a couple of articles from before and after the competition.
Bellevue Private Elementary Schools Looking for a private school on the Eastside? Here’s a brief map guide for finding schools near you. Fortunately, Bellevue has a wide variety of schools from which to choose. While some of these schools center around elementary age students, many range from preschool to as late as 8th grade. Religious … Read more
The sun is shining bright and school is nearly out. Parents often ask, What are good activities for kids to stay sharp with academics? There are lots of STEM summer camps these days. The most important thing for STEM related education is that kids find it accessible and exciting. Maybe your child like airplanes–check out the offerings at the Museum of Flight. The Pacific Science Center has always had a great selection of camps which they offer at a variety of locations on the eastside and in Seattle. And don’t forget to enjoy the nice weather–why not make a trip to the Colman Pool and enjoy the saltwater pool on the shores of Puget Sound.
Okay, on paper the nanny looks great. They’ve got the references, experience and education you want. Now it’s time to prep for an interview. Here’s one question that helps families find a great fit: How do you want to spend your time while the child is napping?
A lot of nannies don’t care. They’re just as happy doing dishes as watching TV. But what about that super experienced nanny who’s going back to school to be a nurse? She cares. And she wants to do homework. Understandable, but does that fit with what you’re looking for?
Some families have a ton of stuff to do around the house and want the nanny to help. Don’t tell the nanny whitewash the answer by telling them it’s probably fine. You need to tell them the number one priority is to get the household tasks done and the homework may not be possible.
On the other hand, if this nanny really sounds great and you 100% want her, you may need to changed your “asks.” Remember, the nanny is also interviewing you and she may opt for another family who can permit homework. Maybe you should hire a cleaner or household organizer to help with that if you really want the nanny.
We help families navigate a multitude of issues like this. Give us a call or shoot us an email if you think we may be able to help.
call or text: 206-817-8988