Families with children understand the difficulties that can come with figuring out how to pay the bills and ensure that the little ones are properly cared for each day. The Australian Bureau of Statistics recently reported that 51% of mothers with a spouse in the home are employed while 28% of single mothers are employed. This statistic reveals that many families include at least one parent who is home to care for the youngest members of the household.
In some cases, the primary earner may make enough to live comfortably with one income. For many, it’s a financial choice that actually saves money. The cost of paying for childcare can be very expensive and may not justify both parents working. And in yet other cases it’s simply a personal preference to have a mother or father home with the kids.
What Do You Do When the Primary Care Giver is Sick or Injured?
When people think of injury claims, they most likely think about someone who is working and injured. Through their benefits, the individual may be eligible for compensation to help them get medical care and recover. So what happens when a stay-at-home parent falls ill or is injured?
Some superfunds provide a domestic duties benefit that covers this exact situation. It usually falls under the Total and Permanent Disablement policy. Just because the person injured wasn’t the breadwinner doesn’t mean that their situation won’t have a financial impact on the household. That’s where this benefit comes in.
The domestic home duties benefit kicks in once the domestic care giver has been injured or ill for a minimum waiting period, generally 3 months or 6 months.. They must also be unlikely to be able to perform their normal duties again. Those who meet this criteria may be eligible for a lump sum payout.
Domestic Duties Defined
Every household is different, so the duties handled by the care giver may vary. There are a number of typical domestic activities that fall under this category. They include:
- Home cleaning such as mopping, dusting, & vacuuming
- Childcare or care of any dependents in the home
- Cooking & meal cleanup
- Grocery shopping for the household
- Changing linens on beds
- Washing laundry & ironing
- General home maintenance & minor repair
- Indoor & outdoor gardening
- Managing family finances
- Pet care
- Family transportation
Who is Eligible to File a Domestic Duties Claim?
First, you must be the domestic caregiver in the household. If you are ill or injured, you will be required to supply information related to the incident and your situation. The insurer will want to know the date of disablement, which would be the date you were unable to perform domestic duties. You will also have to meet requirements set by your superfund’s TPD and be under preservation age, which is usually 65 years old. You will also be asked to supply proof that:
- You were not employed when you were injured or fell ill
- You were handling domestic duties in your own home
- You are unlikely to continue performing your duties in the future
- You are unlikely to be gainfully employed in the future
The amount paid out for your domestic care claim will vary based on how much your insurer covers. Read your policy to learn more about benefits and payments.
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