Does Disability Insurance Cover Alcoholism? 
It 's important to note that some carriers will decline a person because of their alcoholism , but if that does happen to you , ask your agent to get a reconsideration period in writing . An underwriter can usually advise that if the client has clean records for two years or so , they are eligible again . AND some companies , like Lloyds of London , have alcohol abuse built into the policy as an exclusion , so they 're more lenient when it comes to writing someone with past alcohol abuse . 