Disability Insurance Coverage
Does disability insurance cover substance abuse?
Most disability insurance policies cover substance abuse, but with limitations. Substance abuse benefits are typically limited to 24 months (similar to mental and nervous disorder limitations). An independent agent can help you find policies with the best substance abuse coverage.
Key Points
- Most policies cover substance abuse
- Substance abuse benefits: typically limited to 24 months
- Physical disability benefits: typically to age 65
- An independent agent can help you find policies with the best substance abuse coverage
- Rehabilitation benefit: some policies cover rehabilitation for substance abuse