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joephdnpainting

Mother fell backward down Her stairs

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 my dearest Mother has been in the hospital since Sept. 27, 2018. She was at home when she was injured going up the front porch concrete stairs then fell backward and cracked the back of her skull. She is 75 years old and on social security. She's totally disable on a respirator. My 1st question, do we file for disability? 2nd, is her home owners insurance liable for any reason. Thank You.

 

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Social Security disability converts to regular old age benefits when the disabled person reaches Social Security retirement age. As a result, applying for Social Security disability now would do her no good. She's already receiving her Social Security benefits.

 

Whether her homeowner's insurance would pay anything for her accident is something you have to read the policy to determine. It might. 

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1 hour ago, joephdnpainting said:

is her home owners insurance liable for any reason.

 

Do you have reason to believe that an employee or agent of her homeowner's insurer intentionally or negligently caused your mother's injuries?  If not, why would you think the insurer might have any liability?

 

If your intent was to ask whether her policy might provide her with any coverage, the answer is almost certainly no.  Most homeowner's insurance policies provide "no fault" coverage for injuries to persons other than the insured who are injured on the property.  They also provide liability coverage for the insured -- meaning they will defend and indemnify the insured against claims that the insured is liable for injuries caused by the insured to others.  I know of no homeowner's insurance form that provides what amounts to medical insurance coverage for the insured.

 

 

1 hour ago, joephdnpainting said:

do we file for disability?

 

Beyond what was mentioned in the prior response, we have no way of knowing what "disability" benefits your mother might be eligible for.

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51 minutes ago, pg1067 said:

Most homeowner's insurance policies provide "no fault" coverage for injuries to persons other than the insured who are injured on the property. 

 

Correct. That section of the Homeowners Policy is called "Medical Payments to Others" and specifically does not apply to the insured and regular residents of the insured's household.

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