Industrial Alliance provides group benefits at my job. When I was in rehab and couldn’t work, I applied for long-term disability but they argued that I am not really disabled, even though my addiction affected by ability to function day-to-day. Is there any way to fight this?
Most Group Disability Benefit Policies do not specifically preclude a claim for disability based on an addiction. Most policies do have requirements for you to be engaged in appropriate treatment and specifically with respect to an addiction, a rehabilitation program aimed at addressing the addiction, but a denial of benefits solely on the basis that an addiction is not really a disability is something that can be challenged. The specific facts of each case must be reviewed to determine the possibility of successfully pursuing benefits or a settlement, but it is something that should definitely be looked into.
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