An insurance co. opened a new liability claim for me. I was injured on a persons property while working by the hour for the home owner. The adjuster asked me for my ssa number. I gave it to her. She said the reason she needed it was to see if I had medicare coverage. She claimed they only covered what medicare doesn't pay. I have no insurance.
What should or can I do to stop her from accessing information with my ssa number.
You are not obligated to give your social security number. Also, if Medi-Care paid anything, the insurance company is still obligated to pay you that amount in order forcyou to reimburse the amount paid (assuming the land owner/occupier is responsible for your damages). These are tricky matters, and you should talk to a personal injury attorney to discuss your case further.
In addition to the other answers, the adjuster is wrong about them paying only what isnt covered by medicare. medicare is secondary to any other insurance available, including premises medical (no fault), workers compensation, liability, etc. You may have a workers comp claim depending upon the number of hours you had worked and amount you were paid. Homeowners ins normally has workers comp coverage to cover situations like yours. If the homeowner was negligent in some way, the liability ins may be subject to a claim. You dont say how you got hurt. it is possible that some 3d party is also liable.
Personal injury claims have become a minefield of aggressive insurance company investigation. Follow the advice of the good AVVO attorneys in CA and retain one. In Massachusetts, one of 2 states in which I practice, the law requires claimants to provide current home address, date of birth, and Social Security Number when filing an insurance claim. M.G.L. c. 175, Sec. 24D(f). This allows insurance companies to "index" a claim, or find out about every claim the individual has ever made. Here's more about how insurance companies investigate claims: BLUE LINK BELOW
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