Attendant Care - Benefits Insurers Like To Keep Secret
Chances are that if you are injured in an autombile accident, your insurance company will initially let you know that they will pay for reasonable and necessary medical expenses, mileage to and from doctors, up to $20.00 per day for replacement services (routine household services) and 85% of your lost income.
What your insurance company probably won't volunteer is that you may also be entitled to attendant care benefits. Attendant care services basically include activities a licensed practical nurse would perform. These would be services such as helping with medications, bathing, exercises, helping the injured person move around the house and in and out of the bathroom, massages, dressing, etc. These types of services can be performed by anyone and unlike replacement services, are not limited to a certain maximum charge per day. The level of care provided will often dictate the hourly rate that is paid for the service provider. In cases of severe injury, attendant care may be required 24 hours per day and benefits can easily exceed $15,000.00 per month which the insurance company is obligated to pay.
There have been numerous instances where insurance companies will fraudulently allow a family member to perform attendant care services but only reimburse them at the $20.00 per day replacement service rate. In cases where this type of fraud on the part of the insurance company has been discovered, multimillion dollar verdicts and/or settlements have resulted.
If you or a family member have been injured in an autombile accident and require assistance with your activities of daily living, do not forget to make a claim to your insurance company for attendant care benefits. If you need assistance with pursuing this type of claim or if an insurance company is only paying you $20.00 per day for services which fall into the attendant care category, contact an attorney immediately. Failure to do so could result in a financial disaster for you and your family.
What your insurance company probably won't volunteer is that you may also be entitled to attendant care benefits. Attendant care services basically include activities a licensed practical nurse would perform. These would be services such as helping with medications, bathing, exercises, helping the injured person move around the house and in and out of the bathroom, massages, dressing, etc. These types of services can be performed by anyone and unlike replacement services, are not limited to a certain maximum charge per day. The level of care provided will often dictate the hourly rate that is paid for the service provider. In cases of severe injury, attendant care may be required 24 hours per day and benefits can easily exceed $15,000.00 per month which the insurance company is obligated to pay.
There have been numerous instances where insurance companies will fraudulently allow a family member to perform attendant care services but only reimburse them at the $20.00 per day replacement service rate. In cases where this type of fraud on the part of the insurance company has been discovered, multimillion dollar verdicts and/or settlements have resulted.
If you or a family member have been injured in an autombile accident and require assistance with your activities of daily living, do not forget to make a claim to your insurance company for attendant care benefits. If you need assistance with pursuing this type of claim or if an insurance company is only paying you $20.00 per day for services which fall into the attendant care category, contact an attorney immediately. Failure to do so could result in a financial disaster for you and your family.
posted by Neil Davis, Esq. at
2:33 PM
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