Care and Family Support Claims in NSW CTP
If you or a family member has been injured in a motor vehicle accident in NSW, you may be eligible for care and family support costs under the Compulsory Third Party (CTP) scheme. This article explains what types of support costs are covered, how claims are assessed, and provides practical examples of eligible claims.
What Types of Care and Family Support Costs Are Covered?
Under the NSW CTP scheme, care and family support costs include both paid and unpaid assistance required due to a serious injury. This can cover:
- Paid care (e.g., home help, nursing, therapy)
- Unpaid family support (e.g., a carer taking time off work to assist)
- Specialised equipment (e.g., mobility aids, medical devices)
- Modifications to the home (e.g., ramps, grab rails)
- Transportation costs for medical appointments
SIRA guidelines state that these costs must be 'reasonably necessary' for the injured person's recovery and daily living. For example, if a car accident leaves a child with a broken leg requiring overnight care, the cost of a family member staying overnight may be covered.
How Are Care and Family Support Claims Assessed?
Claims are evaluated based on medical evidence and the injured person's needs. Key factors include:
- Medical reports confirming the injury's severity
- Care plans from healthcare professionals
- Evidence of financial impact (e.g., lost income for unpaid carers)
- Necessity of the support for recovery
SIRA provides a checklist for claimants to ensure all required documentation is submitted. For instance, if a family member needs to take time off work to care for an injured relative, proof of employment and income loss must be provided.
Practical Examples of Eligible Claims
Example 1: Unpaid Family Support
A mother injured in a car accident requires 24-hour care. Her partner takes time off work to assist, resulting in lost income. The CTP claim covers the partner's lost wages as family support.
Example 2: Home Modifications
A cyclist injured in a road accident needs a ramp installed. The CTP claim covers the cost of the ramp as a necessary modification.
Example 3: Transportation Costs
A pedestrian with a broken leg requires frequent medical appointments. The CTP claim covers taxi fares for these trips.
Time Limits and When to Seek Advice
You have three years from the accident date to make a CTP claim. However, delays can reduce the chances of securing support costs. For example, if a carer's lost income is not reported promptly, it may be excluded from the claim.
If your claim involves complex support needs or disputes with the insurer, seek legal advice. SIRA provides a free online tool to help assess your claim's eligibility.
Next Steps
Care and family support claims depend on the accident date, injury type, and evidence submitted. To request contact about your circumstances, complete the quick, no obligation enquiry form.