How SIRA handles care and family support claims in NSW CTP
If you or a family member needs care or support after a motor accident in New South Wales, the Compulsory Third Party (CTP) scheme may cover some costs. SIRA, the NSW government body managing CTP claims, outlines specific rules for care and family support. This article explains what claims are available, how SIRA assesses them, and practical steps to take.
What types of care and family support claims are covered?
Under the NSW CTP scheme, you may claim for:
- Paid care - such as home help or nursing services.
- Unpaid family care - if a family member needs to reduce work or study to provide care.
- Support for dependants - including children or elderly relatives requiring assistance.
SIRA considers these claims under the Motor Accident Injuries Act 2017, which governs CTP compensation. However, not all care needs qualify. SIRA must determine that the care is directly related to the injury caused by the accident.
How does SIRA determine eligibility for family support claims?
SIRA assesses family support claims by:
- Evaluating the injury's impact - whether the accident caused a permanent or long-term condition requiring care.
- Assessing the care needs - whether the care is essential for daily living, such as bathing, dressing, or mobility.
- Considering financial impact - if unpaid family care leads to lost income or increased living costs.
For example, if a car accident leaves a person unable to walk, a family member may claim for time off work to provide mobility assistance. SIRA will review medical evidence and income records to assess eligibility.
What documentation is required to support a family care claim?
To claim family support under CTP, you’ll need to provide:
- Medical records - showing the injury’s severity and how it affects daily life.
- Evidence of care needs - such as a doctor’s statement or a care plan.
- Proof of financial impact - including payslips, tax returns, or employer statements.
- Accident details - such as police reports, witness statements, or photos.
SIRA may also request additional information if the claim is complex. Keeping thorough records from the start of your care needs is crucial.
How does the Armidale location affect SIRA processing?
While SIRA’s rules apply statewide, processing times and local office procedures may vary. In Armidale, claims are handled by the NSW Department of Customer Services, which oversees SIRA operations. You should contact the local SIRA office or use the online portal for updates. Location alone does not affect the legal criteria for claims.
Time limits and when to seek advice
You have five years from the accident date to make a CTP claim under NSW law. However, delays can reduce your chances of securing full support. If you face disputes over eligibility or documentation, seek legal advice promptly. SIRA may also review claims if they believe the care needs are overstated.
Next steps
If your care needs are tied to a motor accident, contact SIRA directly or use the approved enquiry form to discuss your circumstances. Understanding the rules and gathering evidence early can help ensure your claim is processed fairly.