Caregiver benefits denied because the applicant was not the primary caregiver for his children.
The applicant was injured in a motor vehicle accident and applied for weekly caregiver benefits, claiming he was the primary caregiver for his two young children.
The insurer denied the claim.
At arbitration, the evidence showed that while the applicant was an involved father, he worked full-time in a limousine business, whereas his wife was a full-time homemaker who handled the majority of day-to-day childcare tasks.
The arbitrator concluded that the applicant's wife, not the applicant, was the primary caregiver at the time of the accident.
As caregiver benefits are only available to the primary caregiver, the application was dismissed.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesDec 18, 2014