What is the attendant care rider? What does the attendant care rider cover? Let us find out in this article.
What is the attendant care rider?
One of the main no-fault personal injury protection benefits is the attendant care rider. It is the writer of your insurance coverage that aims to ensure that when you become the victim of a car accident there is a nursing assistant who would help you recover from your injuries and help rebuild your life.
With the attendant care rider, you will have the budget to pay for a nurse or a family member who will help your victims with the activities of daily living. It will not be you who will pay your family member or the nurse but your insurance company.
When does the attendant care rider come in?
Attendant care rider comes in when the injured party is too injured to do the activities of daily living on their own. When this happens it is expected that you would need someone to provide care for you.
What is covered under attendant care?
Attendant care is a no-fault personal injury protection benefit that covers assisting the car accident victim with their activities of daily living if they cannot do so independently. Keep in mind that three attendant care riders not only refer to you as the policyholder but may also refer to a person injured by you as a driver.
The activities that are covered under attendant here include administering the medication, bathing the person, dressing them, and even helping them with their toilet needs. Some people would need 24-hour services for them to live comfortably after a car accident.
Whether you get a 24-hour service or not as long as the services and activities that help you survive and sustain your living daily, you are covered by the attendant care services.
What activities are included in the attendant care rider?
The following activities are included in the attendant care rider:
- monitoring and supervision for safety reasons;
- moving about inside and outside the home;
- driving to medical appointments;
- carrying and lifting things;
- wound aid; and
- getting in and out of bed.
Who can provide attendant care services that are covered by insurance?
Attendant care services can be provided by the following person head it would still be covered by your insurance:
- A certified or registered nurse;
- A home health aide from a commercial agency ;
- A family member; or
- A legal guardian of the car accident victim.
As long as the attended care provider serves any of the ones that are allowed then they may serve as attendant care provider of the individual.
Where would the services be provided?
The attendant care provider is required to provide services either at the car accident victim’s home or in a residential facility of assisted living. This is to ensure that you will get the best kind of attendant care if it is necessary.
Who ultimately pays for the attendant care?
Generally, if you have the attendant care writer it will be your own insurance company that would be paying for the attendant care services that you avail. On the other hand, it can also be the insurer of your spouse or a family member for an intruder that is assigned by the Michigan Assigned Claims Plan.
There is a lot of information that we want to share with you about the Michigan Assigned Claims Plan and we will do so in a separate article.
This is just the introductory article for the attendant care rider. There is a lot of other information that we want to share with you and you need to take them all by heart. Read the next series of articles that focus on the attendant care rider and you will have everything that you need to know about the attendant care rider and why it is important.
Contact Your Insurance Company
If you have been involved in a car collision in Michigan, make sure that you are protected. By contacting your insurance company, you can get a clear view of what is covered and the out-of-pocket expenses that you should shoulder. For any other problem, Haque Legal can help.
A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out.
If you are having trouble with filing an insurance claim with an attendant care rider in Michigan, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call. If you have no insurance and are facing intense jail time, you need to seek our help as soon as possible.