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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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
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.