The Law Dictionary

Featuring Black’s Law Dictionary Free Online Legal Dictionary 2nd Ed.

Does Insurance Cover Stair Lift Purchases?

Does Insurance Cover Stair Lift Purchases?

Were you or a loved one injured in a car accident?

Connect with an attorney in 60 seconds.

Stair lift chairs provide mobility to the elderly and disabled who might have a hard time climbing up the stairs. A stair lift is a motorized chair that is attached to a rail placed parallel to a standard staircase. Thus, families with elderly or disabled family members often wonder if their insurance company covers the cost of buying and installing a stair lift chair.

Does Insurance Cover Stair Lift Purchases?

Unfortunately, Medicare, which is insurance that provided by the federal government for elder people, does not cover stair chair lifts. A stair chair lift is classified as a “home modification” by Medicare instead of “durable medical equipment”. However, the federal government insurance Medicaid compensates for stair lifts, but only through merchants that have the cooperation agreement with Medicaid.

On the bright side, most private medical insurance companies cover at least some cost of buying a stair lift chair and its installation. However, maintenance, repair, and associated alteration expenses are not covered by most insurance companies. Additionally, if an insured person needs to replace his or her stair lift chair, he or she will need to apply for insurance funding again. Contact your insurance company to make sure that your policy covers the cost of a stair chair lift or at least some portion of its cost.

Stair Lift Purchases

Does Homeowner’s Insurance Cover Injuries Sustained by the Homeowner Themselves?

Furthermore, if a family member who needs a stair chair lift is elderly, it is recommended to contact local agencies for aging programs. These agencies sometimes can use funds from the Older Americans Act to modify homes with stair chair lifts. Moreover, the Department of Housing and Urban Development sometimes offers grants for home modifications.

When an insurance claim for the purchase of a stair lift is submitted, an insured person needs to provide a justification statement from a medical professional. A justification statement needs to certify that the use of a stair lift chair provides certain benefits to a person with a medical condition, such as chronic illness. If a justification statement has not been provided, a submitted claim has a high chance of being rejected.

If the insurance company is not eager to compensate its policyholder for a stair lift chair, it is recommended to discuss this situation directly with the insurance agent. A policyholder and his or her family can advise the agent that a stair lift chair can prevent their insured person from falls and essentially help the insurance company to save money.


Nothing implied or stated on this page should be construed to be legal, tax, or professional advice. The Law Dictionary is not a law firm and this page should not be interpreted as creating an attorney-client or legal adviser relationship. For questions regarding your specific situation, please consult a qualified attorney.