Medical Conditions

Diabetes Disability Insurance Claim Denial

Over five million Canadians live with diabetes, a chronic disease in which the body does not produce or use insulin properly. While many people learn to live relatively well with the condition, its impact on daily life varies significantly from person to person. Many struggle with severe symptoms that can prevent them from being able to work, which makes it a common cause of disability insurance claims.

If you’re one of the many Canadians living with some form of diabetes, you may depend on disability insurance benefits to help cover expenses and bills. If you’re dealing with a diabetes disability insurance claim denial, it can feel scary and overwhelming.

While your insurance company might have turned its back on you, Share Lawyers won’t. We’re here to fight on your behalf and win back the disability benefits you’ve paid for.

Are you going through a diabetes disability insurance claim denial? Share Lawyers’ experienced long term disability lawyers can help secure the benefits you’re entitled to.

Have You Received a Diabetes Disability Insurance Claim Denial?

Diabetes can have several negative effects on one’s quality of life. While many uninformed people may think of this disease in simple terms, like it’s ‘just a frequent need to check your blood sugar,’ the ramifications of diabetes can be significant.

Living with diabetes demands meticulous health management and constant attention to foods that influence the body’s reaction to and production of insulin, given the challenges posed by fluctuating blood sugar levels. These fluctuations can result in a range of symptoms that may significantly hinder one's ability to work, including impaired vision, intense fatigue, and frequent infections. Poorly managed diabetes can cause extended periods in which a person is prevented from performing their job tasks effectively.

The ongoing need for vigilance and health maintenance highlights the intricate balance that people living with diabetes must perform to navigate their work responsibilities successfully. A diabetes disability claim denial can easily upset this stability and create undue emotional distress – on top of the potential health risks.

Ways Diabetes Can Restrict Your Ability To Work
  • Fluctuating Blood Sugar Levels
Unstable blood sugar levels can cause chronic fatigue, dizziness, and difficulty concentrating.
  • Medication Management
People with diabetes (particularly Type 1) need regular insulin injections and other medications, which may require time to administer properly during work hours.
  • Meal Planning and Dietary Restrictions
The specific dietary requirements for managing diabetes may affect lunch breaks and require additional break time.
  • Physical Health Challenges
Diabetes can cause severe complications that deplete one’s physical abilities, like weakened extremities, neuropathy, and vision problems, among others.
  • Emotional Well-being
Living with diabetes can cause significant mental duress and contribute to mood swings and other mental health issues, which often make working difficult.
  • Work Environment Support
Inadequate accommodations and lack of understanding by employers and colleagues can add emotional challenges for those living with diabetes.
  • Fatigue and Energy Levels
Diabetes is known to cause malaise and serious physical fatigue, which can drastically affect work performance.

If you’re dealing with any of the factors mentioned above and have received a diabetes disability insurance claim denial, it’s crucial to know that you don’t have to accept your insurance company’s rejection.

Instead, you need to connect with an experienced disability lawyer who can fight on your behalf. Share Lawyers can compile the necessary evidence to validate your disability claim and prove that your diabetes symptoms hinder your ability to work. That way, you can get the benefits that you need.

Why Are Diabetes Disability Claims Often Denied?

Because insurance companies are for-profit entities, they attempt to avoid paying out disability benefits to their clients whenever possible. If they feel they can get away with it, they frequently reject disability claims with the hopes that customers will simply accept their denial and keep your money in their pockets.

Once you understand that the reasons for a denied claim are not always valid, it’s also essential to know whyyour disability claim for diabetes was denied. Handling disability claims can be challenging because disability law is a complicated area of legal expertise. Insurance firms use such tactics to keep from paying out the benefits their clients have already paid for.

When this occurs, it's usually because of a few technicalities, including:

  • Insufficient Medical Evidence: In many diabetes claims, benefits are denied due to inadequate medical evidence or documentation.

  • Does Not Meet the Definition of Disability: If disability benefits have been denied, it could be because your disability doesn’t meet the insurance company’s definition of a disability.

  • Surveillance: Insurance firms frequently use private detectives and social media monitoring to keep tabs on their clients' lives to find any proof supporting their claim that they are still capable of working. This is not only invasive, but it also selectively presents information that could be misrepresented to deny paying out benefits.

Insurance companies shouldn't be permitted to monitor their clients, disregard their doctor's advice, or redefine what they think constitutes a disability.

What To Do if You’ve Been Denied Long Term Disability for Diabetes?

If you or a loved one has faced an insurance claim denial related to diabetes, it's possible to appeal the rejection independently.

However, we advise against doing so on your own. Seeking professional assistance substantially increases the likelihood of successfully obtaining your benefits. Moreover, attempting an appeal without professional support could further complicate the process if the appeal is rejected.

The best course of action is to consult with an experienced disability law firm like Share Lawyers. It’s also free to call us, so don’t hesitate to do so.

At Share Lawyers, our disability lawyers know the ins and outs of how insurance companies operate and understand the complexities of disability law. We are skilled at using the best methods to assemble a concrete case to help you regain your disability benefits. We'll keep working until you successfully receive the benefits you're entitled to.

We also work with you every step of the way, handling all correspondence with your insurance company so you don’t have to interact with them.

Why You Should Contact a Disability Lawyer at Share Lawyers
1. It’s free to talk to us about disability claims
2. We specialize in denied disability for diabetes and can help you explore your options
3. We provide a free consultation with our disability lawyers to see how we can help you get your long term disability benefits
4. We can answer all of your insurance industry-related questions
5. We have succeeded in helping many clients who have been denied benefits for diabetes

Share Lawyers Fights for the Benefits You Deserve

When you experience a diabetes disability insurance claim denial, it can feel like you’re backed into a corner. We understand how stressful that can be and how the added frustration can affect your health. It’s why we work diligently for clients like you to secure the benefits they deserve while also offering counselling services through our Life reBUILDER™ program.

Because of our success in representing clients, most of whom obtain settlements before ever going to court, insurance companies know we mean business. We have been fighting on behalf of Canadians for over 35 years and successfully secured insurance disability benefits for over 8,000 clients.

Our results speak for themselves. It all starts with a free consultation, and you owe us nothing until your benefits are secured.

If you’re facing a diabetes disability insurance claim denial, we’ve got your back.

Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis - there are no fees unless you win your case.