Can you get long term disability (LTD) for type 2 diabetes?

Long Term Disability (LTD) can cover type 2 diabetes if the condition or its complications are severe enough to keep you from working. It is typically not enough to be diagnosed with type 2 diabetes; you generally must show serious symptoms or complications that hamper your ability to perform job duties.

What evidence do you need to prove a type 2 diabetes LTD claim?

Generally, you must submit medical records detailing the severity of your type 2 diabetes symptoms and provide evidence explaining how these symptoms make it difficult for you to work. The page notes gathering doctors’ notes, test results, a list of treating physicians from the past five years, and other medical documentation to support the claim.

Is Long Term Disability Available for Type 2 Diabetes?

Q: When does long term disability cover type 2 diabetes?

LTD may cover type 2 diabetes when you have proof of disability showing the severity of your symptoms and evidence explaining how those symptoms make it difficult for you to work. You may need to show that type 2 diabetes has resulted in neuropathy or other health issues, such as kidney failure, vision loss, or other symptoms that interfere with job duties.

Q: What are the steps to get long term disability that covers type 2 diabetes?

The page lists these steps: review your insurance policy and learn the LTD claim requirements; gather evidence (such as doctors’ notes, test results, and other medical documentation); fill out required claim forms, including an employee statement, an attending physician’s statement, and a statement from your employer; give authorization for the release of information so the insurer can access medical records; and file your paperwork with the insurer and your employer.

Q: When doesn’t long term disability offer coverage for type 2 diabetes?

LTD may not cover type 2 diabetes when you manage symptoms effectively so they don’t stop you from working; there are minimal or no complications; you don’t provide sufficient medical evidence; you didn’t comply with a treatment plan; or your diabetes is a pre-existing condition that your policy excludes (such as when treatment was sought before the policy’s effective date).

Man checking his glucose data on a smartphone and wondering if Long Term Disability covers type 2 diabetes.

Long Term Disability (LTD) can cover type 2 diabetes if the condition or its complications are severe enough to keep you from working. To receive LTD benefits for type 2 diabetes, you will have to prove that you’re dealing with kidney failure, vision loss, or other symptoms that hamper your ability to perform job duties.

Talk with a Long Term Disability lawyer if you are interested in requesting LTD benefits that cover type 2 diabetes. Your attorney will answer any questions you have about Long Term Disability, how it works, and if you’re eligible for it based on your type 2 diabetes symptoms.

When Does Long Term Disability Cover Type 2 Diabetes?

If you want Long Term Disability that covers type 2 diabetes, you will need proof of your disability. Generally, when you apply for LTD, you will have to submit medical records that detail the severity of your type 2 diabetes symptoms. You will also have to provide evidence that explains how these symptoms make it difficult for you to work.

Furthermore, it is typically not enough to be diagnosed with type 2 diabetes to receive Long Term Disability benefits. To get these benefits, you will have to show that your type 2 diabetes has resulted in neuropathy or other health issues.

When it comes to figuring out whether Long Term Disability will cover your type 2 diabetes, leave nothing to chance. Speak with a Long Term Disability attorney about your type 2 diabetes diagnosis and symptoms. Your lawyer can provide insights into Long Term Disability medical conditions and guide you through the process of requesting LTD benefits.

For a free legal consultation, call (800) 562-9830

Steps to Get Long Term Disability That Covers Type 2 Diabetes

According to the American Diabetes Association, diabetes is a disability, and you could qualify for LTD benefits if you have type 1 or type 2. Below are the steps to follow to boost your chances of securing LTD benefits for diabetes:

Review your insurance policy with Long Term Disability lawyers. Learn about the requirements for filing an LTD claim.
Gather evidence. Collect doctors’ notes, test results, a list of your treating physicians from the past five years, and other medical documentation to support your diabetes disability claim.
Fill out the required claim forms. Complete an employee statement that details how your diabetes is disruptive to your work. You will also need an attending physician’s statement and a statement from your employer.
Give authorization for the release of information. Provide the disability insurance company involved in your claim with access to your medical records.
File your paperwork. Send the insurer and your employer your claim paperwork.

Don’t wait to request disability for diabetes, as it could take months to receive a decision on your benefits request. If, for any reason, your request for benefits is denied, Long Term Disability attorneys can find out why this happened and appeal on your behalf.

When Doesn’t Long Term Disability Offer Coverage for Type 2 Diabetes?

There are times when people who’ve been diagnosed with type 2 diabetes are denied Long Term Disability benefits. The reasons why Long Term Disability may not cover type 2 diabetes include:

You manage your diabetes symptoms effectively. Expect your benefits request to be denied if you’re able to control your diabetes symptoms with your diet, medication, or lifestyle to the point where these don’t stop you from working.
There are minimal or no complications from your diabetes. You have to be dealing with retinopathy or other serious complications relating to your diabetes before your benefits request will be approved.
You don’t have sufficient medical evidence. If you don’t provide comprehensive medical records of your diabetes diagnosis and symptoms, your claim will likely be denied.
You didn’t comply with a treatment plan. Choosing not to follow your doctor’s recommendations for treating your diabetes symptoms can result in a claim denial.
Your diabetes is a pre–existing condition. Some insurance policies exclude coverage for medical conditions for which treatment was sought before the effective date.

Having your request for disability benefits for type 2 diabetes denied can feel like the end of the world. Thankfully, you have access to legal help. Long Term Disability lawyers can get to the root of your denial and assist you with your appeal.

The Bottom Line on Whether Long Term Disability Covers Type 2 Diabetes

Your type 2 diabetes may be covered under Long Term Disability. Whether you will be eligible for LTD benefits will depend on how your diabetes symptoms impact you at work. On top of that, if you make mistakes when you submit your LTD claim, you risk having your benefits request denied.

The team at Marc Whitehead & Associates has 120 years of combined experience. We know the challenges that you will face as you try to get Long Term Disability to cover your type 2 diabetes. Trust us to address these challenges for you and position you to obtain the LTD benefits you want. For more information, schedule a free consultation with us.

Call or text (800) 562-9830 or complete a Free Case Evaluation form