i. provides caregiver benefits payable in the
circumstances described in section 13 if, as a result of and within 104 weeks after the
accident, the insured person suffers a substantial inability to engage in the caregiving activities in which he or she engaged at the time of the
accident even if the impairment sustained by the insured person is not a
catastrophic impairment, but not for any period longer than 104 weeks of disability unless, as a result of the
accident, the insured person is suffering a complete inability to carry on a normal life, and