While trimming trees in my backyard took a fall off an extension ladder. Ended up tearing the ligament on the inside of my left knee when it tore off it took the bone with it. And the ligament that holds your femur to your shinbone was also ripped. I screwed up my meniscus and have a fracture in my shinbone. I have health insurance but I did not have accidental or disability. Doctors are telling me I won't be able to work for six months. But the household bills aren't going to stop coming. Thank you in advance to each and everyone of you that are able to help.