“You know that many insurance policies and ERISA-governed plans exclude from coverage disabilities ‘resulting from, or related to…any accident related to the voluntary influence of any drug, narcotic, intoxicant or chemical….’ The next time you are enjoying a fine beer or wine, a single malt scotch or even a Kamikaze, ponder this question… Is it sufficient to rely solely on a blood alcohol test to establish the intoxication exclusion?” (Mike Reilly, Boom – The ERISA Law Blog)