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Are Alcohol & Drug Addictions Covered Under Health Insurance Policies?

Are addictions such as alcoholism and drug abuse covered under most health insurance policies?
Disability Benefits - Question 49
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 benefit 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.
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.