What is covered under domestic duties support?
Under the NSW Compulsory Third Party (CTP) scheme, injured claimants may claim compensation for domestic duties support. This includes assistance with household tasks such as cooking, cleaning, laundry, and personal care like bathing or dressing. The Motor Accident Injuries Act 2017 (MAIA) and SIRA guidelines define these as 'domestic duties' that can be claimed as part of a broader CTP injury support package.
How are domestic duties costs assessed by insurers?
Insurers assess domestic duties support based on the injured person's medical needs and the cost of care. SIRA's guidelines require claimants to provide evidence of the injury's impact, such as a medical report confirming the need for assistance. Insurers also consider the cost of care, including invoices from carers or domestic help, and the frequency of required support. For example, if an injured person needs help with cooking three times a week, the insurer will evaluate the cost of this service.
What documentation is needed for domestic duties claims?
To support a domestic duties claim, claimants must provide:
- A medical report from a treating practitioner confirming the injury's effect on daily living
- Invoices or receipts for care services
- A care plan outlining the type and frequency of assistance needed
- Evidence of the injury's impact on the claimant's ability to perform household tasks
How does SIRA's approach compare to other CTP claims?
SIRA's approach to domestic duties is similar to other CTP claim categories like medical treatment and income loss. However, domestic duties are treated as a separate category under the MAIA. Unlike some claims, domestic duties support is not limited to specific impairment thresholds and must be assessed based on the individual's functional limitations.
Practical steps for injured claimants
- Seek medical attention immediately after the accident to document the injury's impact
- Keep records of all care-related expenses, including invoices and correspondence with carers
- Notify your insurer within the required time frame (usually 28 days for CTP claims)
- Request a care plan from your treating medical practitioner to outline your needs
Time limits and dispute resolution
CTP claims must be made within 52 weeks of the accident for benefits like weekly income payments. However, domestic duties support claims may have different time limits depending on the injury's nature. If your claim is disputed, you can request a review through SIRA or seek legal advice to challenge the decision.
When to seek legal advice
Consult a solicitor if your claim involves complex issues like:
- Disputes over the value of domestic duties support
- Overlapping claims with workers' compensation
- Need for assistance with claim submission or dispute resolution
Next steps
Domestic duties support claims require careful documentation and understanding of the CTP scheme. While the MAIA provides a framework for these claims, individual circumstances will determine the outcome. To discuss your specific situation, complete the quick, no obligation enquiry form.