Opioid Financial Awareness Education

Understand the financial impact. Recognize changing circumstances. Know how to respond within your role.

Coastal Life Strategies provides professional education that connects the human realities of substance use disorder and opioid-related loss with the financial decisions, family pressures and professional conversations that can follow.

Explore the Financial Impact

Cheryl Canzanella presenting opioid financial awareness education to a professional audience — Cheryl Canzanella, CLU®, ChSNC®, LUTCF®, CAP® Speaker, educator and founder of Coastal Life Strategies

Understanding the financial impact

One health crisis can affect an entire financial life.

The financial consequences can extend well beyond treatment and may affect income, insurance, savings, debt, caregiving, retirement, estate matters and the financial adjustments families face after loss.

Every family’s experience is different. Financial changes alone do not indicate substance use disorder, but they can create an opportunity for thoughtful questions when other concerns or changing circumstances are present.

Income & Employment

Lost wages, reduced work, career disruption, business impact or caregiver time away from work.

Treatment & Insurance

Treatment, medical care, medications, deductibles, copays and other out-of-pocket expenses.

Savings, Debt & Retirement

Emergency withdrawals, borrowing, asset liquidation and disruption to long-term financial security.

Family & Caregiving

Housing, transportation, caregiving, support for children or grandchildren and recurring family assistance.

Legal & Estate Matters

Legal expenses, financial authority, estate documents, beneficiary decisions and vulnerability to financial pressure or exploitation.

After an Opioid-Related Loss

Lost household income, funeral expenses, insurance claims, estate settlement and long-term financial adjustment.

Why professional education matters

You do not need to diagnose addiction to understand its financial impact.

Financial advisors, insurance professionals, attorneys, CPAs, employers and benefits professionals may encounter the financial consequences before anyone explains the underlying circumstances.

Recognize Understand meaningful financial changes without assuming or labeling.

Ask Use respectful, nonjudgmental questions to better understand changing circumstances.

Protect Address financial stability, professional responsibilities and appropriate boundaries.

Refer Know when legal, tax, treatment, recovery, elder care or other qualified resources should be involved.

Professional scope matters. Opioid Financial Awareness does not train financial or workplace professionals to diagnose or treat substance use disorder. The education focuses on financial consequences, appropriate conversations, professional boundaries and informed referral.

What participants learn

Practical education for financial situations professionals may already be seeing.

Open only the sections you want to explore. Content can be adapted by audience while keeping the core focus on financial awareness, respectful communication and appropriate professional boundaries.

Learning objectives

Understand how substance use disorder can affect income, savings, debt, caregiving and long-term financial plans.
Recognize financial changes that may warrant a thoughtful conversation.
Ask respectful questions without assuming, labeling or diagnosing.
Address financial stability and appropriate boundaries within the participant’s professional role.
Know when to involve additional qualified professional or community resources.

Financial topics covered

Income and employment disruption.
Treatment, medical and insurance-related expenses.
Debt, savings depletion, asset liquidation and retirement disruption.
Family support, caregiving and household financial pressure.
Legal, estate, beneficiary and financial-authority considerations.
Financial decisions that may follow opioid-related loss.

Financial changes worth noticing

Unexpected account activity or sudden cash needs.
Increasing debt, missed obligations or asset liquidation.
Recurring financial support for a loved one.
Difficulty maintaining previously established plans or budgets.
Possible financial vulnerability, undue pressure or exploitation.

Tools and resources

Real-world case studies and conversation examples.
Financial discussion guides and educational handouts.
Financial-boundary and crisis-planning tools.
Referral guidance for legal, elder care, treatment and recovery professionals.
Federal treatment and referral resources, including SAMHSA.

Flexible education

One subject. Multiple ways to bring it to your audience.

Programs can be adapted to the responsibilities, questions and learning goals of the people in the room.

Live

Keynotes & workshops

Conferences, meetings and interactive professional education.

Virtual

Webinars & private training

Live online education for teams, members and organizations.

On demand

Self-paced education

Structured learning with practical takeaways and supporting resources.

Customized

Audience-specific curriculum

Content, examples and delivery adapted to your organization.

Research-informed education

Grounded in credible public health and professional resources.

Educational content draws on public health research, federal resources and recognized professional guidance addressing substance use disorder, economic impact, treatment and workplace considerations.

CDC | Economic Impact Research on healthcare, treatment, criminal justice, lost productivity and broader economic consequences. CDC / NIOSH | Opioids & Work Resources addressing opioid use, employment, workplace policy, prevention and recovery. SAMHSA | Treatment & Referral Federal treatment, referral and substance use disorder resources for individuals and families.

Sources are referenced for educational purposes. Listing an agency or organization does not imply endorsement, sponsorship or partnership with Coastal Life Strategies.

Bring the conversation to your audience

Bring informed, compassionate financial awareness to your organization.

Tell us who you want to reach, what you want participants to understand and how you would like the education delivered.

Request a Program