 Informal caregivers include any unpaid individual, such as a spouse, neighbor, or adult child, who provides personal assistance to an elderly, ill, or disabled person in the home.Formal caregivers, including professional live-in caregivers, are paid for their services.These individuals may have received certification as nurses aides, home health assistants, or personal care assistants; however, in many states, live-in caregivers are not required to have any specialized training or education.