There are exclusion riders on some disability policies. Exclusions include restrictions on drinking and using drugs.
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.
It’s important to know that not all insurance companies think certain activities are dangerous.
In addition, you will not necessarily be considered a high-risk applicant if you only occasionally engage in risky activities, such as diving for the first time while on vacation.
The limitation on substance abuse may also be brought on by prescription drugs.
Insurers may argue that you are taking more medication than is necessary for your injury or illness because some medications are easy to abuse.
On the off chance that the substance misuse limit kicks in, your genuine protection guarantee for a state of being might be confined or even denied.
