Life Insurance Claim Denied For Diabetes
For a life insurance claim to be denied because of diabetes is almost always something that can be challenged and won. The most common reason we see insurers deny claims for diabetes is that the applicant didn’t disclose they had “uncontrolled diabetes”. It’s nonsense. By definition a person has to have uncontrolled diabetes in order to be diagnosed as diabetic and hypoglycemia is a diabetic complication insurers love to ignore.
We know how to get life insurance claims paid when diabetes is the basis for denial.
Call us for a free consultation: 1-888-428-4868
Uncontrolled diabetes simply means that at one point in time a person’s glucose or A1C result was above a national standard level. Insurers know this. Their application question, ‘Have you ever been diagnosed with, told you have, or been treated for uncontrolled diabetes?’ is a defective question. Anyone and everyone with diabetes has been in a state of “uncontrolled diabetes” at some point!
We keep fighting these denials and we keep winning.
Another common basis for denial of a life insurance claim for diabetes is when the applicant doesn’t admit to having been diagnosed. But even in this situation we are able to fight the denial and win because diabetes is NOT a reason to turn someone down for a life insurance policy. We prove it repeatedly and win claims for our clients.
Every life insurance claim denied for diabetes necessitates a full investigation of what happened when the policy was issued in addition to how the claim was handled. It can’t be overstated that the actions of the life insurer, before the policy was issued, during the underwriting period, are extremely important when a life insurance claim was denied because of diabetes.
We get denied life insurance claims paid for beneficiaries — that’s all we do. Call us now for a free consultation about your life insurance claim.
1-888-428-4868
Your Claim Should Not be Denied for Diabetes
Diabetes can take one of two forms. Type 1 diabetes (formerly called juvenile-onset or insulin-dependent diabetes), accounts for 5 to 10 out of 100 people who have diabetes. In type 1 diabetes, the body’s immune system destroys the cells that release insulin, eventually eliminating insulin production from the body. Without insulin, cells cannot absorb sugar (glucose), which they need to produce energy.
Type 2 diabetes (formerly called adult-onset or non-insulin-dependent diabetes) can develop at any age. It most commonly becomes apparent during adulthood. But type 2 diabetes in children is rising. Type 2 diabetes accounts for the vast majority of people who have diabetes-90 to 95 out of 100 people. In type 2 diabetes, the body isn’t able to use insulin the right way. This is called insulin resistance. As type 2 diabetes gets worse, the pancreas may make less and less insulin. This is called insulin deficiency.
We’ll Uncover Every Aspect of the Claim that Favors an Approval
Questions on life insurance applications aren’t always clear and direct. And they can be misunderstood by the applicant. When this happens, an incorrect answer is recorded, but there’s a responsibility by the insurer to verify information that factors into a claim decision.
Questions about diabetes should be written and asked in a very specific manner. If they are simply lumped into a whole series of unrelated medical questions it likely caused confusion to the insured. We’ll get to the bottom of the facts and present the insurer with guidance they have to follow.
A Denied Life Insurance Claim Can be Appealed and Paid
There can always be exceptions or special circumstances and everything must be considered in the investigation of a life insurance claim denied because of diabetes. We prefer to file life insurance claims for our clients rather than wait until they’ve been denied and then appeal them. Filing the initial claim for our clients lets us address diabetes issues head-on and shortens the time it takes to get the money.
Call us to discuss your life insurance claim, especially if the insured was a diabetic. Also, don’t hesitate to contact us to discuss how we can get your life insurance claim paid after it’s been denied. We specialize in getting difficult death claims paid and you’ll likely need a specialist to get your claim paid if the insured was diabetic.
1-888-428-4868
Also See:
Life Insurance Claims Denied for