• David Martin

Intoxication Exclusions: What You Need to Know

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.

Contact us today for a free initial consultation.

The Martin Law Group is dedicated to being your go-to ERISA attorneys and long term disability lawyers. Whether you are pursuing a long-term disability claim, life insurance benefits, or your pension or retirement benefits, we will meet with you face-to-face to discuss your claim at a location convenient for you. 


In an effort to make disability claims as easy as possible, we offer a free initial consultation. We often work with clients in Huntsville, Mobile, Birmingham, Montgomery, Dothan, Tuscaloosa, and Florence, in Alabama, as well as with clients in Columbus, Meridian, Jackson, Hattiesburg, Tupelo, and Gulfport, Mississippi, and surrounding areas.

Contact us today for a free consultation.

Long term disability attorney
Long term disability lawyer alabama

Tuscaloosa Office

2117 Jack Warner Pkwy
Suite #1
Tuscaloosa, Alabama 35401
Toll-Free: 800-284-9309
Local: 205-343-1771

Birmingham Office

The WSK Building
2323 2nd Avenue North
Birmingham, Alabama 35203
Toll-Free: 800-284-9309
Local: 205-343-1771
  • Long term disability lawyer
  • ERISA disability lawyer
  • Retirement benefits lawyer

© 2020 by The Martin Law Group, LLC

Sitemap | Legal Disclaimers | Privacy Policy

Website proudly created by Cartography Consulting.

DISCLAIMER: The information presented on this website should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Therefore, no information of any kind that you provide us before such a relationship is created is confidential or privileged.

Furthermore, no representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.