Key legal question
Whether the insured was entitled to a medium-degree helplessness allowance instead of a low-degree allowance
Extracted holding
The evidentiary record did not show the regular and significant assistance required for a medium-degree allowance; the low-degree allowance remained sufficient.
Extracted reasoning
The home inquiry was deemed probative and consistent with the insured's own statements. The alleged need for help with ordinary acts of life was not substantiated; some claimed limitations were not qualifying acts or were not linked to health impairment. Help with social contacts was already covered by the acknowledged accompaniment need.