Having an addiction is generally recognized to be an illness. Whether the addiction will entitle a person to insurance benefits will depend on the specific provisions of the applicable insurance policy. Under the typical group policy, a substance abuse addiction to drugs or alcohol can form the basis of a disabling condition that would entitle an individual to disability benefits, provided that they are compliant with medical treatment, which may often include the necessity to be actively participating in a drug or alcohol treatment program.
We represent a large number of clients who have addictions, including drug, alcohol and gambling addiction and have been denied benefits under either a group disability insurance policy or a private policy. These cases are usually heavily dependent on obtaining the necessary medical evidence to prove the disability in a way contemplated by the policy in question. Most policies contain time limits that can be difficult to interpret and so as soon as your claim for disability benefits has been denied, we would encourage you to contact our long term disability lawyers to discuss your long term disability dispute case to see if we can be of assistance to you and your family.