Are Stairlifts Covered By Insurance?

Many people struggle to get up and down the stairs inside their homes. Which stairlifts are best and how do you know they are right for you? Here is a quick guide to give you an overview of the choices available for an array of needs. Many people are confused if stairlifts are covered by their insurance plan. We have a link below to answer these questions throughly.

One of the most common varieties is the straight unit. This type is made to fit stairs that go straight up and down with no curves on the railings. These can be made to fit nearly any set of stairs whether steep or narrow. Most of these are made to fit indoor stairs. The unit can be installed near the railing or the wall.

If the stairs have curves and bends, or even 90 degree or 180 degree turns, the curved stairlift is the right choice. The railing for this stairlift will have to be custom designed for the particular staircase, and it can be a more expensive option than the straight models, but it is a good investment in your safety.

Some homes have narrow staircases. This is true for older home that were built before or during the early 1900’s. For the best fit, you want to invest in a narrow model stairlift. This will make accessing the stairs to the attic and getting up or down much easier.

Stairlifts can also be installed on outdoor staircases. These work in the same way as indoor models, but their components are made to withstand rain or extreme temperatures. The seats are covered with waterproof materials, too.

Stairlifts are made with those with limited mobility, yet some people with limited mobility have trouble moving their knees. For these individuals, a perch stairlift is best. This type of unit has a smaller seat and allows the user to stand as they move up or down. These include a seatbelt to ensure safety while the unit is moving.

reconditioned stairlift

Those who use wheelchairs are also able to take advantage of a stairlift. Platform or disabled stairlifts are best for them. These lifts have a flat surface onto which the individual can get on and off the lift from the chair. These units also have access ramps to make getting back onto a wheelchair easy and safe. These models also come with a range of safety features.

For a truly comfortable ride up and down the stairs, try a floor lift. This does not need to be installed onto a staircase. Instead, it is installed in such a way that it goes through a lower floor to an upper floor by passing through an opening in the ceiling and floor. This type also requires more of an investment as the pass-through door has to be installed together with the lift.

For anyone wanting to invest less, and if they’re not covered by insurance, try reconditioned stairlifts. These are the same as new units, but they have been lightly used or were originally returned to the manufacturer where they were repaired. Most come with a warranty, so there is not a huge financial risk investing in these.

These lifts are usually only straight models as the curved models must be custom fit for a particular home. Refurbished models can be purchased in parts, so if you are looking to save some money, you could opt to purchase a refurbished chair to go with a custom railing.

If you want another money-saving option, go for stairlift rentals. These can be paid by the week or by the month. These are ideal for anyone who can regain mobility after a certain time such as after surgery or after a broken leg heals.

Many stairlifts come with folding seats. This makes it easy to fold the unit up when not in use so that accessing the home’s staircase is easy for everyone in the home.

This is just a brief guide to lifts. Be sure to review products carefully to get the one right for your needs and budget.