Under additional personal injury protection (APIP), the services performed by an individual for the care and maintenance of the individual's household are defined as

• A. Essential services
• B. Household maintenance tasks
• C. Medical services
• D. Personal care

Answer: (A)

Under APIP, the payments for in-home help that keeps the household running are described as essential services. These are nonmedical tasks necessary to care for and maintain the insured’s household, such as cleaning, cooking, laundry, shopping for household needs, and similar chores. They’re distinct from medical treatment or personal assistance with daily living activities, which are covered under other PIP components. The term essential services is the specific label used in APIP to capture this category of household maintenance tasks, which is why it’s the best answer.