Bodily Injury & Fatalities

Coverage and Type of Dependant Care Expenses

You are eligible to have certain child-care and adult-care expenses reimbursed, up to PIPP's weekly maximum, when, at the time of the accident, part of your daily activities – not necessarily your main occupation – involved caring for a child under the age of 16 or an adult who can't work and you were:

  • working full-time
  • working at a temporary job
  • working not less than 28 hours a week at a part-time job
  • a student

"Care" includes bathing, dressing, feeding, lifting and supervising.

Coverage for dependent care expenses helps pay for hiring someone to take over your care giving duties when the injuries you sustained in the accident prevent you from performing them. The expenses must be related to the injuries sustained in the accident and not routine expenses you were paying before the accident.

You're only eligible for the coverage if you don't have a spouse or if your spouse can't take over your care giving duties because of work, studies, disability or illness.

We reimburse the actual care giving expenses you have up to a weekly maximum. Please see the PIPP benefits page for the maximum amounts payable this year.

We need legible copies of your receipts to reimburse you for dependent care expenses. Please make sure they are dated and identify the care provided and the person or company who provided it.

Please remember to send us legible copies and not the original receipts which, if submitted, will not be returned.


Martin is a computer programmer who, at the time of the car accident, was working four days a week and staying at home to care for his three-year-old son, Trevor, one day a week. During the four days Martin worked, Trevor was in daycare. Martin's wife, Becky, works five days a week.

Because of the accident, Martin can't work or care for Trevor. PIPP will pay the expense of having Trevor in daycare one extra day a week until Martin can care for his son again.

In addition, one night a week, Becky takes a management-training course at the local community college. On that night, Martin needs help bathing Trevor and putting him to bed. We'll cover the costs of having someone care for Trevor, provided the total care giving costs are below the weekly maximum allowed. We cover this cost because Becky can't care for Trevor when she's in school.

If Becky were to go out in the evening for social reasons, we wouldn't pay the cost of caregiver help for that night.