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Ontario Personal Injury Law Firm

paying someone to take care of your homeIf you sustained severe injuries in an Ontario accident, you may be able to receive housekeeping and home maintenance benefits, which can assist you in finding someone to help take care of your home.

However, such expenses are only available under certain conditions. You must be able to show that you have a catastrophic impairment or purchased optional coverage to claim these benefits.

Below, we discuss the eligibility requirements for housekeeping and home maintenance benefits and how these benefits may also be recovered in a lawsuit. Set up a free consultation with a member of our legal team to get answers to your legal questions. There is no upfront cost to retain our services.

Find out if you have a case: (866) 320-4770

What Are Housekeeping and Home Maintenance Benefits?

People who suffer severe injuries often find it difficult to return to normal life after an accident. They may be experiencing a number of changes due to an injury. These changes may include the ability to complete tasks at home. Injured accident victims may need the help, but do not have the money to pay someone to do the tasks. A loved one may be helping out while you recover.

Housekeeping and home maintenance benefits are part of the Statutory Accident Benefits Schedule (SABS). The SABS is mandatory no-fault coverage included in standard Ontario auto insurance policies.

However, this coverage is not automatically issued to injured accident victims. You must meet specific requirements to be eligible for these benefits from your insurance company in a claim.

Who Qualifies to Receive These Benefits?

You may be able to receive housekeeping and home maintenance benefits – regardless of fault – under two conditions:

These benefits can help cover someone to perform housekeeping and home maintenance duties that an injured victim normally performed prior to the accident, such as:

  • Doing the laundry
  • Cleaning the floors
  • Making meals
  • Buying groceries
  • Cutting the grass
  • Shoveling snow

The maximum benefit amount covered in a standard auto insurance policy is up to $100 per week for reasonable and necessary expenses for home care services. You may be able to claim housekeeping and home maintenance benefits for life if the accident caused catastrophic impairment.

Purchasing Optional Benefits Coverage

There is an option to purchase a housekeeping and home maintenance benefit that will apply whether or not an accident-related impairment is deemed catastrophic by the SABS.

These benefits will only be paid by the insurance company for household expenses incurred within two years after the onset of your disability (The date at which you became unable to carry on a normal life.)

Recovering Housekeeping and Home Maintenance Costs

If you were seriously injured in an accident through no fault of your own, you may be able to recover the costs of housekeeping and home maintenance from the at-fault party’s insurance company in a lawsuit.

Housekeeping and home maintenance are different for every person, so the value of a case will depend on one’s particular circumstances. For instance, say you suffered a significant back injury in an accident. You cannot bend over to pick anything up or carry large items due to your back pain. An experienced lawyer may be able to argue your case requiring payment to complete some household tasks.

Housekeeping and home maintenance benefits can be claimed for two years from the accident date.

Call for a Free and Confidential Consultation

During a free consultation, learn more about your eligibility for housekeeping and home maintenance benefits after being injured in an accident. Our Windsor auto accident lawyers are well-versed in these types of claims and the strict deadlines that accompany them. We are ready to handle your claim and communicate with the insurance company so you can focus on your recovery.

We also work on a contingency basis, so there are zero upfront fees. We only get paid if we help you recover compensation. Our firm is available anytime, day or night, to take your call or chat online.

Call (866) 320-4770 for your free case review.

basic needs from a personal aidIf you have been seriously injured in an accident in Ontario, you may qualify for attendant care benefits, which are intended to assist you in improving your health and recovery.

However, having expenses covered to hire someone to help care for you after an injury is only offered in certain cases. You must be able to show reasonable and necessary cause for requesting these benefits.

Greg Monforton & Partners further discuss what else is covered by attendant care benefits and the eligibility requirements to apply for these benefits. An initial consultation to learn more about your rights with member of our legal team is complimentary and comes with no obligation to hire our firm.

Understanding Attendant Care Benefits

Attendant care benefits are available under the Statutory Accident Benefits Schedule, O. Reg. 34/10 (SABS). SABS is a form of no fault insurance coverage in Ontario. It is also mandatory and included in all standard auto insurance policies across the province.

These benefits allow injured accident victims to be compensated for reasonable and necessary expenses to hire in-home care, such as a personal aide or attendant to help them with their daily responsibilities.

This could include:

  • Bathing
  • Grooming
  • Dressing
  • Cooking
  • Feeding
  • Moving about

Other services, such as housekeeping and performing errands, may also be available. Attendant care benefits could also help pay for care in a long-term care facility or home not covered by the Ontario Health Insurance Plan. These benefits help cover expenses needed for comfortable personal care.

How Much Are Attendant Care Benefits?

The amount you could receive in attendant care benefits will depend on your situation. The nature and extent of your injury is of utmost importance.

In a standard auto insurance policy in Ontario, the maximum attendant care benefit that can be paid is up to $3,000 per month if the accident victim sustained a serious, but non-catastrophic injury. If the accident victim did sustain a catastrophic injury, the maximum could be up to $6,000 per month.

It is important to note that any policyholder has the option to purchase additional coverage if needed.

Injury Victims Eligible for These Benefits

You may be eligible to receive attendant care benefits as long as your injuries are deemed non-minor or catastrophic. Minor injuries do not qualify.

To apply for these benefits, a registered nurse or occupational therapist needs to determine if such services are necessary and how much care is required. He or she will need to complete an Assessment of Attendant Care Needs (also known as Form 1), as verification for your insurance company.

Your insurance company will then have 10 business days to respond. If they determine your expenses are reasonable and necessary, payments must be made within 30 days from the date of the invoice.

A Windsor personal injury lawyer from our firm is prepared to guide you through the entire claims process for attendant care benefits. This includes making sure that your injury is well documented by medical records and reports, and that you have followed through with any medical or insurer’s exams.

Witness statements and testimony from those who knew you before and after the accident that could offer details about your abilities may also be collected to help support your need for attendant care.

Time Limit for Attendant Care Benefits

Generally, claims for these benefits must be made to your insurance company within seven days. You need to submit your Application for Accident Benefits within 30 days of when the request was received. Payment will not be issued until Form 1 has been completed and filed with the insurance company.

Schedule a Free Consultation Today

To determine your eligibility for attendant care benefits after being injured in an accident, do not hesitate to contact our lawyers at Greg Monforton & Partners. We have represented many personal injury victims involved in car accidents, bicycle accidents, trucks accidents and more.

Set up a free, no-obligation consultation today. Since our firm works on a contingency fee basis, there are zero upfront costs for our services. We only get paid if we help you obtain the benefits you need.

Trusted. Local. Lawyers. Ph: (866) 320-4770.