"Due to a severe brain injury, my son requires 24/7 skilled nursing care. On July 1, 2021 I lost all of his nurses when the agency employing these nurses was forced to close their doors due to the 45% cut in the reimbursement rates. These nurses had been caring for Dan anywhere from 6-18 years. I have gotten some nurses back, but I’m left to provide up to 60 hours/week of his care (mostly overnight). I get very little sleep and still need to be awake most of the day to get him to therapies, appointments and to handle all aspects of his care." — Danny’s mother, Laurie

"Since the changes of insurance, I have continued to lose therapy services that I have needed to help with my recovery after my auto accident.”

Meet Sam and his mother Maureen. Maureen writes "The changes in auto no-fault added another layer of uncertainty and stress to our lives. Having to barter to try to maintain what we had and fearing the outcome of losing the therapies that make Sam’s life possible is difficult. Life after a catastrophic injury is tough enough for the family and the survivor without having to deal with the fear and loss this reform created."

"I worked hard for decades to recover from my accident and to learn how to thrive, but since this change, I feel more hopeless and broken than ever before. I believe that the state of Michigan would rather I die and disappear than honor the contract I have with them."

"Welcome to my nightmare. I was receiving very good around-the-clock care until July 2021. That all changed. The agencies that were providing my care could not survive under the 45% cut and the transportation company that I had for years also went out of business."

"Our family lost employment income and health insurance. I lost music therapy, transportation to therapy, and my psychologist. The attendant care was not paid at all for a year. I feel forgotten and helpless."

"Because nursing and home care pay was cut in half, it became difficult to find a quality company to come into my home and take care of me. In addition, the care I receive was cut from 24 to 18 hours a day, which means I am sometimes alone. This has been a great source of anxiety for me. It is scary and I lose sleep being alone. My anxiety has gotten out of control and I now have panic attacks, which caused a seizure on one occasion."

"Since the 2021 changes in the law, I’ve lost my job, I’ve lost my attendant care, I can no longer live in my home and now live in a facility. I’ve lost my connections to the community and I have lost HOPE."

"When the law changed in 2019, I lost the option of having my husband provide as much of my round-the-clock care as I wanted and needed. But we couldn't get enough agency care for him to have a full-time job, so we had to sell a vehicle to make ends meet, and we were afraid of losing our home too."

"I lost my case manager and navigating this world without an advocate is challenging. I fear for the future with so many unknowns. "

"In 2021, when the new law started, the agency my mom used to help take care of me stopped coming to help her, my massage and music therapists couldn’t continue due to delayed and reduced payments, and the company that we got my monthly supplies from wouldn’t let us order. My mom had to sign an agreement with the insurance company just to take care of me for more than 56 hours a week at a lower rate than the court-ordered hourly rate. The new law has made my life and my family's life harder than it already was."

“When does this added stress and agony stop?”

"Many companies will not take auto claims because of the auto no-fault law reform," said Julie, Grant's mom. "It's been a big challenge to find a replacement for Grant's present aide that is quitting."

"We have lost the peace of mind that our son will be properly taken care of and lost countless hours in advocating for him to get the services we paid for. This adds more stress to an already stressful life caring for someone with a TBI."

"I lost payment for 24/7 skilled nursing care and have 2 years of legal costs."

"To share what has changed for our family since July 2019 is difficult," Linda said. "To actually pause and reflect on the uncertainty of David's future increases my anxiety and makes my heart ache."

"I feel more impaired since the law change. Worry and stress now consumes me and my main caregiver. Opening the mail frequently brings another bill, another problem to solve.”

"Because nursing and home care pay was cut in half, it became difficult to find a quality company to come into my home and take care of me. In addition, the care I receive was cut from 24 to 18 hours a day. Which means I am sometimes alone. This has been a great source of anxiety for me. It is scary and I lose sleep being alone. My anxiety has gotten out of control and I now have panic attacks."

"My care facility should not be in litigation for funding to care for me. They should be able to expend their energy providing quality care for me and all the others that require it."