Before you commit, ask each agency one question most families skip: what may its staff accept from you, and what may they never accept? The answer shows how the agency guards your home, your money, and its own workers. A vague answer is a finding, the same way silence on rates is.

Local option: New Plan Care gives families in the St. Louis area in-home help so a parent can stay home: companionship, help with bathing and dressing, meals, and overnight care. Call (314) 405-0887.

Ask for the written rule

Ask whether a gift policy exists in writing. Ask to see it. If the agency has one, it should appear in the handbook or the contract you receive, not only in a conversation. If the agency cannot produce it, record that.

Ask the specific questions

  • May staff accept small gifts, such as a holiday token or a meal?
  • May staff ever accept cash, gift cards, or a loan?
  • May staff run errands using your card or your account?
  • May a family member give staff a ride, a meal, or a favor the agency did not approve?
  • Does the rule cover the caregiver's own relatives?
  • Who gets told when a caregiver is offered something, whether they turn it down or accept?
  • What happens to a caregiver who breaks the rule?

Set your own house rule too

Decide what your household will and will not offer before the opening shift. Write it down in a single line, such as 'small holiday items are fine, cash is not.' Give a copy to the agency and keep one in the home. A written family rule makes a hard moment easy. Nobody has to improvise.

Compare the answers the same way

Put every agency in the same columns. Gift rule in writing: yes or no. Cash: allowed or not. Errands with your card: allowed or not. Anything the agency did not answer gets marked as not answered. The ranking uses the same logic, and you can read the approach on the How We Rate page.