The economic cost of traumatic brain injury can be both overwhelming and devastating. Costs can include the medical bills for acute care at a hospital, routine imaging studies including CT Scans and MRIs, physicians, rehabilitation, neuropsychological evaluations, and non-medical supportive care. In the context of a personal injury claim, it is extraordinarily rare for the responsible party’s insurance company to pay any expenses for health care until such time as the case is resolved on a final and global basis. At the very least, your attorney should be able to provide guidance for dealing with the cost of medical treatment until your case is resolved. For any patient with a traumatic brain injury, a global settlement should be based upon a thorough life care plan that contemplates all anticipated expenses for the balance of a patient’s lifetime.
If a patient has medical insurance, many health care costs may be covered or reimbursed during the pendency of a claim. However, insurance will rarely pay for in-home supportive care, institutionalization, group homes, or even adult daycare. If eligible for state subsidization through Medicaid, a patient residing in Connecticut can apply for additional subsidy via an Acquired Brain Injury (“ABI”) Waiver through the Connecticut Department of Social Services. This Waiver program does not apply to patients with either developmental or degenerative disorders. It is a patient-centered program that provides a range of home and community-based support services for adults who would otherwise require some degree of institutionalization. More information about the Connecticut Department of Social Services’ (“DSS”) Acquired Brain Injury Waiver program can be found in the DDS Brochure.
If you or a loved one has had a traumatic brain injury, contact the attorneys at Casper & de Toledo today to schedule a free consultation.