by sdchargersfan » Sat Dec 05, 2009 03:00 pm
I took care of a 'Client'. She is on Disabilty. However....her 'accident' was self inflicted. She had told me that herself. She said she had ALSO told other people this. How can she get Disabilty if this was self-inflicted? And..no..this was NOT an 'accident'.
Posted: Sat Dec 05, 2009 03:27 pm Post Subject:
Disability as covered under personal accident policy should be a direct results of an accident. However, if it is not the chances are non-existent.
In case you can share some details with me through PM, may be I may assist you in a better way.
Regards
Posted: Sun Dec 06, 2009 08:20 am Post Subject: disability
Thanks for the response, ..I will PM you as soon as I get a chance. Just worried for this 'Clients' safety and the safety of others. It IS a long, yet, complicated 'story'.
Posted: Sun Dec 06, 2009 10:37 am Post Subject:
Feel free to PM me, and I can assure you that the details as sent by you will not be shared with anyone in any form by me. Regards
Posted: Sun Dec 06, 2009 01:16 pm Post Subject:
I could see how a self inflicted injury could get disability if the disability is in part due to a mental condition (duh, gotta be a little nuts to disable yourself don't you?)..
Is that what her disability is SD? Mental/emotion?
Posted: Thu Dec 10, 2009 05:32 pm Post Subject: disability
Yes, LORI....LOTS going on with her. However......the situations that have put her in the 'state' that she is in, she has brought upon herself. Hope this makes sense to you. She likes to 'play games', etc. Lost her children over most of this.
Posted: Thu Dec 10, 2009 07:45 pm Post Subject:
There is a difference between "self-inflicted" and "intentionally self-inflicted."
If you're asking about a disability income (DI) policy, unless the definitions under the policy are antiquated (such as using an "accidental means" definition regarding accidents), self-inflicted injuries are normally covered as long as they weren't "intentionally" self-inflicted.
ChargersFan- could you elaborate?
InsTeacher 8)
Posted: Thu Dec 10, 2009 11:28 pm Post Subject: insurance
Well.........to make a long story even longer(LOL) this person was living with her sister and brother-in-law. She had a bedroom in their attack. her brother-in-law had a lock and loaded rifle up there, as well. This person said she knew it was locked and loaded and picked it up to "look at it." According to this person, she didn't know it could "go off by itself when you picked it up." Which I know isn't true...I deal with weapons in the Military. The 'entry' wound was her stomach. However......the scars go from her stomach all the way up to her shoulder blade. She try to tell the police she never touched the weapon..however, they found her fingerprints on it. Then she told ME her brother-in-law shot her. She DID 'confess' to a counsler she shot herself. She was having alot of issues before that. Drugs, had her kids taken away, was arrested, etc.
Posted: Thu Dec 10, 2009 11:32 pm Post Subject: insurance
...just to add a few things. I've never been in the position she is in, nor have I ever had my kids taken away. I 'feel' for her, I really do. However.....she needs to take responsibility for her situation. She doesn't seem TOo concerned about her children (which is sad). Her kids are in Foster homes. She wants to blame EVERYONE for her situation. Thsi is difficult for someone in my 'position' to deal with.
Posted: Fri Dec 11, 2009 12:09 pm Post Subject:
There is a difference between "self-inflicted" and "intentionally self-inflicted
That is a great point!I think I've got a decent 'picture' of the situation. I can further see how she would qualify for disability. And also how this could frustrate you, it would me too. But I guess you come to a point in life, where you do all you can do to help someone, then it's really up to them..
Posted: Sun Dec 13, 2009 03:41 pm Post Subject: disability
Thanks for everyone's comments, in this 'situation'. What she REALLY needs to do is 'go from here' and stop worry about something she can't do anything about now. For Ex: the 'damage' is done. She DOES have opportunities to see her children (keep her appts with her Counslers, drug testing every month, etc.).....however.....she doesn't do this. And she wonders why she can't do 'this or that'?! She has been 'given the tools' to help herself.....she just won't use them.
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