Paralyzed from the neck down -- yes, I'd think he always needs SOMEONE in the home w/ him. Like Karen said, not clear it had to be nurses.

Most likely, insurance covered having someone with him someone w/ him wherever he goes, whether that was to school for pep talks, or to a hospital for tests / treatment, or vocational training. I think (hard to tell from the short newspaper blurb) this provision is designed to help keep the person in some sort of life. But --he chose how to use it. And didn't he / his family or ANYONE notice when he went through 50%? 80%? This shouldn't be coming as a surprise to him, that he hit the life time max.