At Disability Insurance Law Group, our nationwide claims attorneys know, according to the American Psychiatric Association, that Substance Use Disorder (SUD) is a complex condition in which there is uncontrolled use of a substance despite harmful consequences. People with SUD have an intense focus on using a particular substance(s), like alcohol, tobacco, or illicit drugs, to the point where the person’s ability to function in day-to-day life becomes impaired.
The disorder leads people to keep using the substance(s) even when they know it is causing or will cause problems. The most severe SUDs are sometimes called addictions.
Symptoms of substance use disorder are grouped into four categories:
A craving or strong urge to use the substance; desire or failed attempts to cut down or control substance use.
Substance use causes failure to complete major tasks at work, school, or home; social, work, or leisure activities are given up or cut back because of substance use.
The substance is used in risky settings and continued use despite known problems.
A person’s tolerance or need for more significant amounts to get the same effect or withdrawal symptoms becomes unmanageable.
Many people experience substance use disorder along with other psychiatric disorders. Often, another psychiatric disorder precedes substance use disorder, or the use of a substance may trigger or worsen another psychiatric disorder.
This is where disability insurance can make an essential difference in their lives, so people living with substance abuse disorders can seek the help they need to recover effectively.
When a disability insurance claim is denied, it can physically, emotionally, and financially devastate substance abuse disorder sufferers. We want to help.
Our national substance abuse disorder disability insurance attorneys assist policyholders throughout the U.S. in strategically submitting their claims by outlining the severity of their conditions, compiling the necessary medical records to support their disabilities, and negotiating with their private or employer-provided insurer to achieve the benefits they are entitled to for their impairment.
Call us today to learn more about how we have successfully produced real results for real people across the U.S. who need our help and how we can assist you in moving forward with confidence during a free consultation.
Substance use disorder is a complex condition characterized by a pattern of problematic use of substances, leading to impairment or distress.
Substance use disorder (SUD) is considered an impairment when it significantly interferes with an individual’s ability to carry out daily activities, maintain employment, and engage in social interactions.
Determinations of impairment due to substance use disorder are often made by healthcare professionals, including addiction specialists, psychiatrists, and counselors. The effectiveness of treatment in managing substance use disorder is considered. If substance use continues despite treatment efforts, it may contribute to the severity of impairment.
Here are some considerations for when substance use disorder may be considered an impairment:
If substance use disorder significantly impairs a person’s ability to perform basic activities of daily living (ADLs), such as maintaining personal hygiene, managing finances, and taking care of responsibilities, it may be considered an impairment.
Substance use disorder can impact a person’s ability to work. Jobs that require focus, attention, and reliability may be particularly affected. The impact on job performance, attendance, and the ability to carry out essential job functions is a crucial consideration.
Substance use disorder can affect social interactions and relationships. It may be considered an impairment if it leads to strained relationships, isolation, or difficulty in participating in social activities.
Substance use can have cognitive and emotional consequences, including difficulties in concentration, memory, and mood disturbances. If these symptoms contribute to disability, it may be considered an impairment.
Substance use disorder is associated with a range of health consequences, both physical and mental. If the health effects contribute to disability, it may be considered an impairment.
Substance use can impair judgment and coordination, posing safety concerns for the affected individual and others. If there are risks of accidents or harm due to substance use, it may be considered an impairment.
The duration and severity of substance use disorder are essential considerations. Chronic or severe substance use disorder that persists over time and significantly impairs overall functioning may be viewed as an impairment.
It is important to note that substance use disorder is a treatable condition, and recovery is possible with appropriate interventions, including therapy, medication-assisted treatment, support groups, and lifestyle changes. If you or someone you know is struggling with substance use, seeking professional help for a comprehensive evaluation and appropriate management is crucial.
We can help you take the lead in pursuing your disability insurance for the benefits you need to regain control of your life. Whether your disability insurance coverage was underwritten as a private or employer-provided policy, we have over 50 years of combined experience pursuing all insurance coverages and corporations for the benefits policyholders nationwide deserve.
Contact our national substance abuse disorder disability insurance attorneys today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our legal skills and resources to work for you — no matter where you live or work in the U.S.
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