Opioid Financial Awareness | Coastal Life Strategies

The financial impact of the opioid crisis reaches far beyond treatment.

Opioid Financial Awareness helps professionals and organizations understand how substance use disorder and opioid-related loss can affect family finances, work, caregiving and long-term financial security—and how to approach those conversations with greater knowledge and compassion.

Explore the Financial Impact

The financial impact is often hidden

Substance use disorder can change more than health.

The financial effects can appear gradually or during a crisis, and they may touch more than one generation of a family.

Household finances

Income disruption, treatment expenses, debt, savings withdrawals and recurring financial support.

Family responsibilities

Caregiving, housing, transportation, support for children or grandchildren and difficult decisions about financial boundaries.

Long-term security

Retirement disruption, legal or estate matters, reduced financial flexibility and adjustment after opioid-related loss.

Every family’s experience is different. Financial changes alone do not indicate substance use disorder, but they can provide an opportunity to ask thoughtful questions when other concerns are present.

Why trusted professionals need this context

You may encounter the financial consequences before you know the cause.

Financial professionals, employers, attorneys, CPAs, insurance professionals and community organizations may see changing financial circumstances long before a family explains what is happening.

Notice what has changed Recognize meaningful shifts in financial circumstances without assuming or labeling.

Ask better questions Approach difficult financial conversations with respect and without judgment.

Know your role Address the financial issue within professional scope and involve other qualified resources when appropriate.

Go deeper

Explore the education and the research behind it.

Education

See what participants learn, the financial situations addressed and how programs can be delivered for professional and organizational audiences.

Explore Education

Research & Resources

Review authoritative research, economic-impact information and practical financial questions for families, professionals and organizations.

View Research & Resources

Led by Cheryl Canzanella, CLU®, ChSNC®, LUTCF®, CAP® — a financial services professional, speaker and educator with more than 25 years of industry experience whose work is informed by both lived experience and professional practice.

About Cheryl

Bring the conversation to your audience

Bring informed, compassionate financial awareness to your organization.

Tell us who you want to reach and what you want participants to understand. We can shape the education around those goals.

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