The initial assessment, diagnosis, and treatment plan your health care practitioner puts in place for your accident related-injuries is aimed at helping you recover at home and at work. Sometimes, they may recommend additional treatments or new ones if your recovery is taking longer than planned. When your injuries are severe to the point you can’t complete everyday tasks, a homecare plan can be prepared.
Homecare plans are established through the ICBC. They help accident victims maintain their independence through their recovery period while making sure everyday tasks are accomplishable. If you’ve been injured in an auto accident that was caused by someone else and are having difficulty with tasks that used to come easy, your lawyer can help you seek a homecare plan.
What Is Homecare?
If you’ve been in an accident, it’s possible your injuries are preventing you from completing daily tasks and functioning as you would have prior to the incident. If that’s the case, ICBC provides homecare benefits to help accident victims remain as independent as possible during their recovery time while ensuring typical household duties are taken care of.
Depending on the type of homecare you need, the awards you receive could be accounted for under special damages, cost of future care, or loss of future earning capacity. Special damages are out-of-pocket expenses. They include any reasonable expense incurred as a result of someone else’s negligence. Typical special damages include homecare and homemaking services, the cost of medical equipment, and the cost associated with home and vehicle modifications to assist with disabled living.
Cost of future care refers to the money an accident victim is entitled to if they need to set up physical arrangements for assistance, equipment, facilities, and medications related to their accident injuries after they’ve received their initial medical care. Additionally, British Columbia recognizes that an accident victim with lasting injuries may suffer from work limitations. As a result, loss of earning capacity benefits is provided to cover the wages they would have earned.
ICBC Benefits to Help You Recover at Home
The ICBC separates homecare into two categories: homemaking and rehabilitation. The benefits are laid out in Part 7 – Accident Benefits of the Insurance Vehicle Act. If you’re eligible for homecare benefits, which is determined by your doctor, the compensation you receive will go towards ensuring you are as independent as possible while recovering from your injuries or adapting to a disability or limitation.
If you’re the primary homemaker in your house and are unable to perform typical household tasks because of your accident, you may be eligible for ICBC benefits. In order to cover necessary homemaking expenses, like cleaning services, the ICBC provides a maximum of $280 per week.
In order to qualify, your doctor or nurse practitioner has to certify your inability to complete homemaking duties. You will need to provide this information to your claim representative. It’s important to note that the homemaking benefit does not extend to personal benefits like nursing or attendant care.
If you’ve suffered severe or debilitating injuries after a crash, the ICBC can provide you with rehabilitation assistance. These benefits may pay for reasonable or necessary changes to your home. The most common changes include the addition of ramps, lifts, or bathroom alterations.
Home support services are also available from community health workers if an accident victim needs help with daily living activities like mobilization, nutrition, bathing, grooming, toileting, and more. The community health workers can assist the person until they are more independent or help the family learn how to care for their loved one during the recovery period.
It’s important to note that the homecare benefits are only available up to 12 weeks after a crash. If your injuries aren’t improving as expected or you need more care as recommended by your doctor’s treatment plan, you can discuss your options with your lawyer and an ICBC claim representative. You may meet with a registered care advisor who can provide an independent consultation and determine if there are additional diagnoses or treatment options that can speed up your recovery time.
Understanding your homecare eligibility and what’s included can be confusing, especially when you’re trying to focus on recovery. To make sure you get the care you need, it’s best to work with a lawyer from Wishart Brain & Spine Law. We’ll examine your situation and determine what benefits you should be eligible for. Our goal is to ensure our clients are as comfortable as possible during their recovery from injuries that never should have happened in the first place. To learn more, contact our office today.