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My mom was admitted to a nursing home for demintia patients in December after a brief illness. On February 21st she fell in their dining room and broke her hip. She died March 25th. Can I put a claim in on her accidental death policy?


The death certificate said she died of natural causes: cardiac arrest. But I feel she died because of the fall.


She was doing well before the fall. In fact the nurses said she had been walking down the halls that morning, singing. After surgery, she never got better and quickly deteriorated.

I was once told by an elder law attorney that accidental death policies almost never pay out because the language is very specific on what constitutes a claim. Since payouts are somewhat uncommon, the policies are cheaper - which is why people buy them. I believe you that the accidental fall at the nursing home probably contributed to her death, but whether the law would agree with you is what you need to determine. Read the entire policy that you have and do some online lookups of the laws in your state. If you still think you have a claim, run it by an attorney. I don't know how long you have to file a claim, but I'd be careful about contacting the insurance company until you have your case together and you're sure about it. The insurance company is documenting everything you tell them and they will try to bait you into contradicting yourself. There's no such thing as an "off the record" or a "just wondering" phone call with an insurance company.
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Reply to Mysteryshopper
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Unlikely, as she lived for more than 30 days after the fall.
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Reply to Tothill
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You might want to talk to a lawyer but my gut feeling is the Insurance company will fight any claim. And they have more money and patience to fight it out where it will cost you money the longer it draws out.
Did your mom have a diagnosed heart condition? If not then you might "win"
If you have any indication from a doctor that she was declining due to the fracture of the hip that would help.
Did you file a suit due to the fall in the facility? If so the outcome of that might determine the outcome of your claim on the Accidental Death.
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Reply to Grandma1954
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