He is allowed 12 hours a day nursing. We have been with every company in the area. The most shifts we had filled were 3 a week. The insurance is saying the other hours are “custodial”. He has severe muscular dystrophy. A quad, trach, vent, defibrillator. So needs 24 hour care. I talked to insurance yesterday. They said their medical director say we have a “close relationship “ and because we have same address and I’m poa I cannot work to get paid.