Diabetes alone doesn't usually prevent work — but its complications can. Nerve damage, vision loss, kidney problems, amputations and related conditions can make a return to work impossible.
When diabetes can support a claim
- Complications stop you returning to your usual work.
- The impact is long-term or permanent.
- You had TPD cover when you stopped working.
Evidence that helps
Endocrinologist and treating-doctor reports, records of complications, and statements on how they affect your work capacity all matter — see medical evidence. Vision-related complications connect to vision loss claims.
It's about capacity, not the diagnosis
As always, the test is whether you can work under your policy's definition.
Find out where you stand with our free eligibility check.