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Short-Term Disability and Substance Abuse Treatment: What Employees Should Know

Short-Term Disability

If you’re struggling with drug addiction, alcohol use, or other mental health conditions, taking time off work for recovery might feel impossible. But many people don’t realize that disability insurance—including short-term disability—can sometimes help cover your time away from work while you participate in a treatment program.

At Ocean Ridge Recovery, we regularly support professionals navigating the process of applying for short-term disability rehab benefits. This guide breaks down what you need to know, from eligibility and legal protections to how rehabilitation programs for drug and alcohol use may qualify under your plan.

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Can I Use Short-Term Disability for Rehab?

In many cases, yes. If you’re participating in a treatment program for substance abuse that’s medically necessary and overseen by licensed professionals, you may be eligible to receive disability benefits through your employer-sponsored disability insurance or state disability insurance (SDI) programs.

Eligibility varies by provider, but generally, you may qualify if:

  • You’re currently unable to work due to drug addiction, alcohol dependence, or a related mental health condition
  • You’re actively participating in a rehabilitation program
  • Your condition significantly limits one or more major life activities (such as working, thinking, or concentrating)

What’s the Difference Between Private and State Disability Insurance?

There are two common forms of disability insurance:

  1. Private Short-Term Disability Insurance – Offered through your employer or purchased individually, this provides partial wage replacement if you’re unable to work for a temporary period due to a qualifying condition. Many plans cover substance abuse treatment, but they may require documentation from your healthcare provider.
  2. State Disability Insurance (SDI) – Some states, like California, offer state disability insurance programs that allow qualifying individuals to receive SDI benefits during medically certified time off for drug addiction or mental health conditions.

Each program has specific rules about what constitutes a qualifying condition, how to apply, and how long benefits last.

Are Drug Users Covered? What About Alcohol Users?

This is a common concern. The good news: drug users covered by private or state plans are often eligible as long as the condition is being treated under medical supervision.

Both drug users and alcohol users covered by short-term disability are protected under various federal and state human services guidelines when enrolled in a treatment program. However, benefits may be denied if your claim involves illegal drug use that is not being actively addressed through treatment, or if drug testing reveals recent use without accompanying medical documentation.

Legal Protections for Employees in Treatment

Employees who are receiving medically necessary rehabilitation program care for drug addiction or mental health conditions may also have rights under the Americans with Disabilities Act (ADA). While the ADA does not protect current illegal drug use, it does protect such an impairment when an individual is actively seeking treatment and is not currently using.

These protections are meant to support your ability to recover without fear of losing your job or being unfairly treated in the workplace.

How Ocean Ridge Helps with Short-Term Disability and Rehab

At Ocean Ridge Recovery, we understand that seeking help is already a big step. Navigating paperwork and benefit applications shouldn’t make it harder.

Our team supports you by:

  • Providing documentation required to receive disability benefits
  • Coordinating with your HR team and insurance carrier (confidentially)
  • Helping you apply for state disability insurance or temporary disability leave
  • Ensuring your treatment program is structured and compliant with all necessary regulations

Take the First Step Toward Recovery—with Support

If drug addiction or alcohol use has impacted your ability to work, and you’re worried about how to support yourself while you heal, know that there are resources and protections available. Whether you’re considering short-term disability rehab, using disability insurance, or exploring state benefits, Ocean Ridge Recovery is here to help you navigate the process with compassion and professionalism.

Contact us today to learn how we can support your recovery—emotionally, medically, and logistically.

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