Are Addictions Such As Alcoholism and Drug Abuse Covered Under Most Health Insurance Policies?

Getting help to combat your alcohol or drug addiction can open up many new doors and opportunities. Confronting alcohol and drug problems in your life gives you and your loved ones the opportunity to experience a healthier and more productive life and to walk a road paved with the support needed and necessary to discover a better way of living. Recovery from alcohol and drug addiction is happening every day for millions of people, and help can take many forms!

In your community, there are professionals who are specifically trained and successfully experienced in providing help to individuals and family members struggling with alcohol and drug related problems, including addiction treatment programs, psychiatrists, psychologists, social workers, credentialed alcohol and substance abuse counsellors and other certified specialists. Rehabilitation treatment centers, both inpatient and outpatient, as well as other local resources are usually close by or not too far from where you reside, but a roadblock for many is often the price.

Before you make the decision to undergo addiction treatment, it's important to determine whether it's covered under your current health insurance policy. If it's not, you could end up with a large bill or even have your treatment cut short due to non-payment. You can learn more about your insurance coverage for addiction treatment by reading through your benefits guide or contacting your insurance company directly.

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.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

We have recently settled cases against Teachers Life, Sun Life, Liberty Health, The Co-Operators Life, and Chartis.

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Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.

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A note from our long term disability lawyers

Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.

If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.

Our Disability law firm knows what you have been going through

We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.

Our experienced disability lawyers can fight back on your behalf

Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.

If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.

Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.


In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.


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