Posted by oldtanker on April 29, 2015 at 04:41:11 from (64.118.3.19):
In Reply to: Social Security posted by farmerwithmutt on April 28, 2015 at 20:50:25:
Quoting Removed, click Modern View to see
Pretty simple. The farm is a workplace. So he was at his place of work and the farm insurance should pay as a work place accident according to her health insurance.
Now I'd have read her health insurance policy, farm policy and know a little of the state law before being able to give a solid answer.
Many time policies written by out of state companies violate state law of the policy holder. And if the policy hold is ignorant of state laws they run around "fat, dumb and happy" cause they have coverage.
A good farm policy should have so type of medical coverage for a "worker" injured at work. Now this may not happen because of the affordable health care act and it's requirements . But the farmers daughter would be covered for that hay mow accident with the hired man :lol: but farmers may have to start looking at carrying a separate workmanship comp type of insurance.
So read your policies. Pay particular attention to exclusions. If it's not specifically excluded it's covered even if the company wants to say it isn't. Winds up in court they lose.
If you have questions about your policy call the 1-800 number on your card. Our state has pretty tuff insurance laws. The test to get an independent adjusters license is a nightmare. It's 6 weeks of school and a pretty east test to be an agent. So often an agent isn't the one to be asking about a policy. The company has people who know about it as well as any lawyer who deals with insurance claims.
I know that didn't fully answer your question but it's the best I can do. If you been asking local agents they haven't gotten back to you because they 1. Don't know or 2. Are afraid if the truth came out it will cost them business.
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