As with most legal issues, there are two sides of the coin when it comes to intoxication exclusions in disability policies. On the one hand, these exclusions exist to encourage people to make wise decisions. More accurately, it keeps people from making bad decisions for the sake of gaining disability benefits. On the other hand, some will argue that these exclusions are poorly framed and end up punishing innocent people who aren't at fault. It's important to understand the issues involved with intoxication exclusions, particularly when it comes to the future of your benefits.
What is an intoxication exclusion?
Many ERISA-governed insurance plans and policies exclude coverage for disabilities or injuries that are a result of being intoxicated. In other words, a person who has been injured due to voluntarily consuming drugs or alcohol will likely not receive disability benefits to cover future expenses.
What you need to know
Often times, cases involving intoxication exclusions rest solely on the way the clauses are worded and interpreted. In cases when accidental death or injury occurred and alcohol or drugs were involved, the legal situation can become complex, and even if you weren't at fault for the accident, a technicality could dictate the future of your benefits. That's why it is important to seek experienced counsel that you can trust to guide you through the process.
Here at the Martin Law Group, LLC, we pride ourselves on our experience and our dedication to each of our clients. Contact us today to learn more about how we can represent you.