United Home Health adds earned wage access for caregivers

Express Wages is bringing on-demand pay to United Home Health employees in the Memphis area, giving eligible caregivers earlier access to wages they have already earned. The move is meant to ease day-to-day financial pressure for frontline workers while helping the home care provider support retention and workforce stability.

Why it matters: - Earned wage access can help home care workers cover everyday expenses and surprise bills without turning to high-interest loans, overdrafts or credit card debt. - For United Home Health, the benefit is also a workforce tool. Caregiving depends on a reliable staff, and financial wellness support can help with retention in a demanding labor market. - The partnership targets employees who provide direct care to patients and families in the Memphis area.

What happened: - Express Wages is adding earned wage access for eligible United Home Health employees. - The partnership lets team members access part of their earned income before payday. - United Home Health is an in-home care provider serving the Memphis-area community. - Express Wages is based in Delaware and headquartered in Memphis.

The details: - United Home Health provides private-duty care and specialized support for people living with Alzheimer’s, dementia and other forms of memory loss. - Caregivers help clients stay safe and independent in familiar surroundings. - Express Wages says its platform is employer-integrated and designed to give workers faster access to wages they have already earned. - The company says its solution is offered at no cost to employers. - Express Wages also offers a broader financial wellness package that includes insurance through Allstate, identity theft protection for $6 per family per month, a 50% discount on the Monarch Money app, mortgage literacy resources through Edge Home Finance and credit-building tools through Kovo. - The company says its platform includes transparent pricing and no hidden fees for employers or employees. - Express Wages Founder and CEO Alfred Milan said the partnership is meant to help home care professionals feel valued and supported. - Milan said caregivers face pressure outside of work, and that flexibility to handle unexpected bills can ease that burden. - Before founding Express Wages, Milan spent 20 years in senior care and health care technology, where he scaled operations, entered new markets and led teams. - Bankrate’s 2025 Annual Emergency Savings Report found more than one-third of Americans tapped emergency savings in the last year, and nearly one in five had no emergency savings. - Business Research Insights projected the global earned wage access software market will grow from about $2.07 billion in 2026 to $6.67 billion by 2035.

Between the lines: - The partnership shows how providers are bundling pay access with other financial wellness tools to make the benefit more attractive to workers. - United Home Health is using a non-wage benefit to reinforce a core business need: keeping caregivers on staff and focused on patient care. - Express Wages is positioning earned wage access as both a retention feature and a way to reduce household financial stress.

What's next: - Express Wages said it continues to expand its employer-integrated earned wage access platform nationwide. - The company is aiming to help organizations improve retention while giving employees more control over cash flow. - As more employers adopt earned wage access, the company expects demand for related financial wellness benefits to keep growing. - More information is available in the company's announcement.