The NSW Compulsory Third Party (CTP) scheme provides care and family support for individuals recovering from motor accidents, including assistance with daily activities. This guide explains how Central Coast residents can access these provisions, the evidence required, and the legal boundaries under NSW law.
How CTP care and family support works
Under the Motor Accident Injuries Act 2017, the CTP scheme covers care and family support payments when injuries prevent someone from managing daily tasks. This includes assistance with personal care, household chores, and mobility support. SIRA (State Insurance Regulatory Authority) administers these benefits, ensuring payments align with medical needs.
- The scheme distinguishes between two types of support:
- treatment and care benefits* (for medical assistance) and
- weekly income benefits* (for lost earnings). For family support, claims must demonstrate that the injured person requires assistance with daily activities due to their injury. This could include help with cooking, cleaning, or personal hygiene.
Applying for care support on the Central Coast
Central Coast residents should contact SIRA directly to initiate a claim. The process involves:
- Notifying your insurer of your care needs within 52 weeks of the accident
- Submitting medical evidence showing your injury limits daily activities
- Providing details of any care providers (e.g., home help services)
- Completing the CTP claim form available on SIRA's website
SIRA assesses claims based on the Motor Accident Guidelines, which outline medical thresholds for care entitlements. For example, a spinal nerve-root injury with neurological signs may qualify for support, while radiculopathy requires specific clinical signs.
Evidence required for family support claims
To claim care benefits, you must provide:
- Medical records confirming your injury prevents daily activities
- A care plan from your treating physician
- Proof of income loss (if applicable)
- Witness statements or accident reports
A hypothetical example: Sarah, a Central Coast resident, sustained a soft-tissue injury in a car accident. Her doctor noted she needed assistance with mobility. SIRA approved weekly care benefits to cover home help services, as her injury met the threshold for support.
Time limits and dispute resolution
Claims must be made within 52 weeks of the accident for weekly benefits. If your injury is a threshold injury (e.g., soft tissue without long-term impairment), benefits may stop after 52 weeks under s 4.4 of the Motor Accident Injuries Act 2017.
Disputes over care entitlements can be resolved through SIRA's internal review process. If you disagree with a decision, you may request a review or seek independent legal advice.
When to seek professional help
While SIRA handles most claims, complex cases involving multiple injuries, long-term care needs, or disputes may require legal assistance. A solicitor can help navigate issues like:
- Proving care needs beyond threshold injuries
- Contesting benefit cuts after 52 weeks
- Coordinating with workers' compensation overlaps
Next steps
CTP care entitlements depend on the accident date, injury type, and claim history. To discuss your circumstances, complete the quick, no obligation enquiry form. SIRA's Central Coast office can also provide local guidance on accessing support services.