Some incapacity strategies have prohibition riders. Liquor and substance misuse impediments are key instances of avoidances.
A disability caused by alcoholism or substance abuse is typically covered for a maximum of two years, but in some instances it may not be covered at all.
The limitation on substance abuse may also be brought on by prescription drugs.
A few prescriptions are handily manhandled, and safety net providers might contend you are taking more than justified for your physical issue or disease.
Your legitimate insurance claim for a physical condition may be restricted or even denied if the substance abuse limitation kicks in.
Some lesser-known exclusions may also be included, such as:
