In the previous part of this article, we have discussed commonly asked questions when it comes to attendant care riders in the state of Michigan. Let us continue.
The 56 hour a week cap on home family provided attendant care
There is now a 56 hour a week cap on home-provided attendant care. The limitation now applies only to the care of an injured person if the care is provided in a home setting and by the family member who is living in the same household. This new limitation is one of the most controversial ones that have been set by the Michigan legislation because it puts a limitation on the number of payable hours per week that the family member can claim from the insurance.
Imagine this scenario: if you have been working for a family member and providing attendant care, the family member would probably need 24 hours of service and care. Unfortunately with the new attendant care rider, it becomes impossible for the families to still get 24 hours payable or payable attendant care services.
The good thing is that we have noticed in our practice that insurance companies have shown a willingness to sign contracts and pay family members to continue providing the attendant care services.
Why is this the case?
In our practice, we have noticed that insurance companies are still able and willing to sign contracts and pay family members for the care of their injured loved ones. We have noticed that it might be because it is more costly to pay a commercial in-living facility than one who is at home and is being paid by the hour.
Is this allowed by law?
Yes, it is allowed by law that the insurance companies still provide the families the right to get attendant care and pay for more than 56 hours a week. No provision in the law provides that the limitation is a limitation. It is a mere cap on what is legally allowed by law. The amended statute states that “an insurer may contract to pay for benefits for attendant care for more than the hourly limitation.”
Here at Haque Legal, if you are planning to get an insurance policy, it is our goal to make sure that you will get the best one. We can negotiate your contracts with your insurance company and make sure that you get the best ones.
55% Fee Schedule For Services
In-home attendant care provided by family members has a 55% fee schedule for services that are not compensable under the Medicare fee schedule.
As stated in the first part of this article series, there is a fee schedule for services that are considered not compensable under the Medicare fee schedule. While the cap and the limitation are not followed by the insurance companies and most still try to negotiate with their clients, it is still a better idea for them to get the best kind of insurance policy.
Is this enough?
The list of compensable services under Medicare is comprehensive. If you think that you would need more, you need to only contact us and let us know how we can negotiate the terms of your insurance policy.
Here at Haque Legal, we make sure that you have the right insurance policy by making sure that you get the right insurance policy. We can negotiate based on your needs and make sure that you get exactly what you want out of your insurance policy.
While we cannot guarantee that you will be able to get the deal that is all perfect for you, we make sure that you have complete coverage when you need to have that complete coverage.
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 or help you fight for your rights. 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.
Disclaimer:
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.
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