Dependant Care Benefit
The Dependant Care Benefit is an optional coverage designed to help with caregiving costs if you’re injured in a motor vehicle accident and cannot look after your dependants (e.g., children, elderly parents or dependant adults) as you normally would.
Get to Know Your Coverage
The Dependant Care Benefit helps keep your household routines on track while you focus on your recovery. If you’re employed and responsible for dependants, adding this coverage can give you the confidence that your support system will remain strong, even when you’re sidelined by an injury. Here’s a quick guide to what this benefit covers:
Who is eligible: You must be employed at the time of the accident and responsible for dependants (children, elderly parents, or dependant adults).
Benefit: Will not exceed $75 per week for the first dependant and $25 per week for each additional dependant, with a maximum of $150 per week total for additional caregiving costs.
Example: A full-time parent with children needed extra help after a motor vehicle accident. The Dependant Care Benefit paid up to $150 a week to help with these costs.
Watch Now: Understanding the Dependant Care Benefit
Watch this short video to learn all about the Dependant Care Benefit and how it can help you after a motor vehicle accident.
Watch Now: Understanding the Dependant Care Benefit
Discover how the Dependant Care Benefit can help you maintain care for your family while you recover from your injuries.
Understanding the Right Coverage for You
The Dependant Care Benefit is similar to the Caregiver Benefit, but with an important distinction: the Dependant Care Benefit is for people who are employed and need help covering extra caregiving costs, while the Caregiver Benefit applies to people who were primary caregivers and not employed at the time of the accident. Choosing the right option depends on your role at home and at work.
Consider whether you have savings or other financial resources — such as employer-sponsored childcare assistance or other support programs — that could help cover your caregiving responsibilities and related costs while you recover. An insurance agent or broker can help you determine if this benefit is the right choice for your needs.
From the Blog: Learn More About the Dependant Care Benefit
Read more to get practical tips, examples and guidance on your coverage.
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