Drug treatment program is a structured intervention for individuals with substance use disorders, often combining detoxification, counseling, medication-assisted treatment, and ongoing support groups. Programs can be inpatient or outpatient and vary in intensity and duration. Successful completion and sustained sobriety improve health outcomes and stability but relapse is common. In life and disability underwriting, a history of drug treatment is a serious risk factor, with underwriting decisions based heavily on time since last use, program completion, and documented recovery.

Underwriters examine drug treatment program histories through medical records, rehab discharge summaries, and attending physician statements, focusing on substances involved, relapses, legal issues, and years of sobriety. Recently treated or actively using applicants are often postponed or declined, while those with long-term recovery may be considered at rated terms. Advisors address these cases with sensitivity, encouraging full disclosure and realistic expectations. Understanding drug treatment programs helps advisors support clients in recovery while recognizing strict underwriting constraints around substance-abuse histories.