Addiction and Disability Claims

Managing addiction and substance abuse while maintaining productivity in the workplace is a complex issue. The adverse effects of addiction, including impaired functioning and the associated feelings of guilt, fear, and stigma, make it difficult for individuals to seek professional help.

Effective addiction treatment often requires intensive rehabilitation for severe cases, which can be costly and time-consuming. It may also require a leave of absence from work, which can further exacerbate the financial burden on the individual and their family.

Fortunately, addiction is now recognized as a disability by many insurance companies, including both group and individual policies. This recognition provides an opportunity for individuals struggling with addiction to seek long-term disability benefits, which can help cover the cost of treatment and provide financial support during their recovery.

In Ontario, addiction is also recognized as a disability under the Ontario Human Rights Code as established by the Ontario Human Rights Commission. Employers are required to make reasonable accommodations for employees with addiction issues, and termination of employment due to an addiction disability is prohibited and considered a breach of the Ontario Human Rights Code and can result in compensation to the disabled employee.

Despite these protections, individuals may still be hesitant to disclose their addiction problems to their employer for fear of discrimination or job loss. It is important for employers to create a supportive environment that encourages disclosure and provides resources for employees to seek help and treatment.

By recognizing addiction as a legitimate disability and providing support for those in need, we can create a more compassionate and inclusive workplace culture that prioritizes the health and well-being of all employees.

Common Addiction and Substance Abuse Issues

The most common types of addiction and substance abuse issues that lead to long-term disability claims include:

Alcohol Addiction

Alcohol addiction is a common form of addiction that can lead to serious physical and mental health problems. Long-term alcohol abuse can cause liver disease, brain damage, and cardiovascular diseases. Individuals with alcohol addiction may struggle to control their drinking, leading to difficulties with relationships, employment, and legal issues.

Drug Addiction

Drug addiction can include substance use disorders related to illegal drugs, such as cocaine, heroin, and methamphetamine, as well as prescription drugs, including opioids and benzodiazepines. Long-term drug addicts experience a range of physical and mental health problems, including heart and liver disease, respiratory issues, and mental health disorders. 

Gambling Addiction

Although not a substance abuse issue, gambling addiction can be just as debilitating. Gambling addiction can lead to significant financial losses, as well as emotional distress, relationship problems, and legal issues. Individuals with gambling addiction may struggle to control their impulses and continue to gamble despite negative consequences.

Eating Disorders

Eating disorders such as bulimia and anorexia can also lead to long-term disability claims. These disorders can cause severe physical and mental health problems, including malnutrition, heart and kidney problems, and depression. Those with eating disorders may struggle with body image issues, control over food intake, and social isolation. 

If you or a loved one is struggling with alcohol and drug addiction, or any other form of problematic addictive behaviour, it’s essential to seek professional help and consider a long-term disability claim to help cover the costs of treatment and support. An experienced disability lawyer can assist you with the claims process.

Insurance Companies & Disability Claims

There are several reasons why an insurance company may deny a disability claim related to addiction. One reason may be that the policy does not cover addiction as a disability or that the claimant has not provided sufficient evidence to prove that their addiction qualifies as a disability under the policy.

Another reason could be that the claimant did not follow the recommended treatment plan or failed to show up for appointments, which may be seen as non-compliance. The insurance company may argue that the addiction is not the sole cause of the claimant’s disability and that other underlying medical conditions or factors contribute to their inability to work.

Insurance companies may also deny disability claims related to addiction if the claimant did not disclose their addiction when applying for the policy or if they did not provide medical evidence of their addiction to their employer or seek treatment in a timely manner. Finally, if the insurance company determines that the claimant is not disabled according to the policy’s definition of disability, then they may deny the claim.

It is essential for individuals who have addiction-related disability claims to work with an experienced disability lawyer to ensure they understand their legal rights, provide all necessary documentation and evidence, and navigate any challenges or issues that may arise, to make sure they receive disability benefits. 

Ottawa Disability Lawyers – Your Ally in the Addiction & Disability Claims Process

As a law firm that specializes in disability claims, Ottawa Disability Lawyers has helped numerous clients with addiction-related disabilities. Our team is equipped with the knowledge and experience necessary to navigate the complexities of denied benefits, and we are committed to helping our clients in every way possible.

We understand that seeking addiction treatment can be a challenging process, both emotionally and financially. That’s why we work tirelessly to ensure that our clients receive the support they need to heal and put their lives back on track.

When an insurance company denies a disability claim related to addiction, it can be for a variety of reasons. One common reason is that the insurer may argue that the addiction is not a covered disability under the policy. Another reason may be that the insurer believes that the addiction does not prevent the claimant from performing their job duties.  Another reason could be that the person cannot access treatment and the insurer believes that they are not following treatment recommendations. 

At Ottawa Disability Lawyers, we have seen firsthand the devastating impact that addiction can have on an individual’s life and their ability to work. We use our expertise in disability law to challenge insurance companies’ denials and fight for our clients’ rights.

If you or a loved one is struggling with addiction and needs help with a long-term disability claim, contact Ottawa Disability Lawyers.