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No-Fault Insurance Benefits

What is Attendant Care?

Michigan No-Fault lawyers summarize attendant care benefits, also known as nursing services, for seriously injured auto accident victims

Attendant care is a No-Fault benefit that entitles injured accident victims to have nursing care while they are at home recovering from injuries.

Frequently referred to as nursing services, No-Fault attendant care benefits cover the help that is provided to car accident victims with performing “activities of daily living,” such as monitoring and supervision for safety reasons, administering medication, bathing, dressing, walking, styling/combing of hair, grooming, helping victims use the toilet, driving victims to medical appointments, fetching things for the victim, carrying and lifting things for the victim and wound care.

Attendant care can be performed by nurses, as well as family members or legal guardians. In instances where car accident victims are discharged home and they don’t require the skill of a registered nurse, a home health aide can provide the necessary attendant care services. The cost of hiring a home health aide through a commercial company or service is covered by No-Fault and will be paid by your auto insurance company.

Family members or legal guardians who perform attendant care services are also entitled to compensation.

Michigan courts have also ruled that family-provided attendant care services can offer better care than services a car accident victim might purchase from a commercial company.

The attendant care benefit requires No-Fault auto insurance companies to pay family members or friends who provide attendant care services to car accident victims in the victims’ homes.

To obtain No-Fault coverage of in-home, family-provided attendant care services, it is imperative to have and maintain a doctor’s prescription for the services.

Similarly, it is important that attendant care providers keep a well-documented record of all services and hours for which care was provided, which can be submitted monthly to the insurance company for reimbursement.

IMPORTANT: For in-home, family-provided attendant care services rendered after July 1, 2021, No-Fault auto insurance companies will be obligated to cover no more than 56 hours per week of in-home, family-provided services. (MCL 500.3157(10) and (14)) However, this limitation does not apply to commercially-provided services, nor does it prohibit auto insurance companies from contracting to cover services in excess of the 56-hours-per-week limitation.

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