Addiction
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Addiction
Addiction is a complex and often misunderstood condition that can have devastating impacts on individuals and their families. Whether related to substance use, gambling, or other dependencies, addictions can result in long-term health issues, financial hardships, and strained relationships. In cases where an addiction has caused a disability that prevents someone from working, individuals may be eligible for long-term disability benefits to support their recovery.
Understanding Addiction as a Disability
Addiction isn’t just a matter of willpower—it’s a medical condition recognized by healthcare professionals. Disabilities arising from addiction may include conditions such as:
- Substance Use Disorders (alcohol, drugs, or prescription medications)
- Behavioral Addictions (gambling, gaming, or shopping)
- Co-occurring Mental Health Disorders (depression or anxiety exacerbated by addiction)
While treatment and recovery are possible, these conditions often require medical care, counseling, and time away from work. Unfortunately, many insurers deny claims related to addiction, arguing that it is not a legitimate disability.
Challenges in Addiction-Related Disability Claims
Insurance providers frequently reject claims for addiction-related disabilities due to stigma or insufficient evidence. Common challenges include:
- Proving the extent of the disability and its impact on daily life or work capacity.
- Demonstrating that treatment is actively being sought, such as rehabilitation programs or therapy.
- Addressing the intersection of addiction and co-occurring mental health disorders, which may complicate claims.
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How We Help with Addiction-Related Claims
At Martin & Hillyer Associates, we understand the unique challenges faced by individuals living with addiction. Our team provides compassionate legal support, focusing on:
- Gathering Comprehensive Evidence: We work with healthcare providers to document the extent of the disability and the steps taken toward recovery.
- Appealing Denied Claims: If your insurer has rejected your claim, we will challenge their decision and fight for the benefits you’re entitled to.
- Advocating for Fair Treatment: We ensure that insurers recognize addiction as a legitimate medical condition deserving of support and benefits.
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You Deserve Compassion and Justice
Living with addiction is difficult enough without the added burden of financial instability or insurance denials. If you or a loved one has been denied long-term disability benefits for an addiction-related disability, you don’t have to face the fight alone.
Contact Martin & Hillyer Associates today for a free consultation to discuss your case and explore your legal options.
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