1. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Disability insurance like most individual morbidity insurance products does not cover pre-existing conditions like alcohol abuse. Motor vehicle records can be used to detect DUI’s. One of the urine analysis items covers liver function, which can detect alcohol abuse. Medical records of all attending physicians will be ordered include rehabilitation facilities.  
    Answered on May 29, 2013
  2. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    It's important to note that some carriers will decline a person because of their alcoholism, but if that does happen to you, ask your agent to get a reconsideration period in writing. An underwriter can usually advise that if the client has clean records for two years or so, they are eligible again.  AND some companies, like Lloyds of London, have alcohol abuse built into the policy as an exclusion, so they're more lenient when it comes to writing someone with past alcohol abuse.
    Answered on September 25, 2013
  3. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    There are no disability insurance policies that I am aware of that cover a claim for a disabling event of alcoholism. You still may find one, but I deal with the top disability insurance carriers and they all specifically exclude claims for drug and alcoholism. These are for both short term and long term disability plans.
    Answered on September 2, 2014
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