#when most don't understand or are completely unaware of many medical conditions
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Self dx culture is loathing how people practically worship doctors and act like whatever they say is gospel and the end all be all meanwhile most doctors don't even understand or are completely unaware of many medical conditions, and gate keep diagnosis because they are uneducated and discriminatory
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#self dx culture is#loathing how people practically worship doctors#when most don't understand or are completely unaware of many medical conditions#and gatekeep diagnoses due to uneducation and discrimination#anon
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Excuses
Warnings: Mentions of fainting, diabetes, canon-typical injuries
Summary: You suffer the consequences just because your teacher thought you were making excuses.
A/N: First fic of 2024!!! I had plans that I was going to post weekly in the new year just like last year but things went downhill. This january and february has had its very good but also really bad moments and even writing this was a struggle. I've found myself in a weird place of wanting to write but struggling and all of a sudden not being able to balance my schoolwork and writing. So I took a lil step back to solely focus on my work but looking at everything now, my fic updates will be much less frequent but hopefully just as or if not, more fun to read.
I feel bad for not saying or posting anything since the new year but I'm here now and hopefully will be more alive. I've got lots planned for you beautiful people, several series and way too many fics in my drafts that I cannot wait for you all to read. This wasn't as long or as juicy as I intended but my brain completely failed me so I hope this is good enough. I initially wanted to post this at the beginning of March but I finished the final editing today so here you go!!
Final note before we start, I have general knowledge about diabetes but that's all from my grandma. I have no idea if it's the same for teenagers so I'm sorry for any mistakes. Happy reading!!
Your biology teacher had been on maternity for three weeks now and you were seriously contemplating life.
Because of the crappy rules surrounding maternity leave, when your teacher refused to return before her three months ended, your school had a supply teacher fill in for her till she came back.
Since day one, you knew you hated her.
It was mid lesson and you knew as soon as you started feeling sluggish that your sugar levels were dropping. Your thoughts were only confirmed when your Dexcom receiver let you know of your decreasing glucose.
This wasn't a usual occurrence. Will and Jay always made sure you had eaten enough and you had the means to maintain the needed glucose levels so that nothing happened.
Alas, you were up late revising and you were stressing about keeping up your good grades. Jay was rushing you out the door because he needed to go to a scene he'd just been called to and Will was out walking Kol and hadn't seen you leave.
In conclusion, it'd been a hot minute since you last ate something.
The school were well aware of your diabetes. It was one of the very important things your brothers stressed them about when you first started.
Most students knew about it actually, having seen your Dexcom and not understanding since a diabetic child apparently wasn't common according to them.
So, when you randomly pulled out a snack from your bag mid class, no one questioned it and instead would make sure you were okay. There'd never been a problem before in school and everyone wanted it to stay that way.
However, this new teacher, Mrs Byrne was apparently completely unaware of your medical condition.
"Y/N. You know the rules about eating in class." She said strictly, pulling away all the attention from the board onto you.
She stopped you in the middle of opening the packet of fruit gummies. You frowned, looking at her confused along with your classmates.
"I have diabetes." You said bluntly, continuing to open the packet. "I don't eat this and I'll pass out."
Mrs Byrne only rolled her eyes, smiling at you condescendingly. "I've heard that excuse hundreds of times, give those to me."
You scoffed at the audacity, refusing to hand over what was yours.
It was when she started walking towards your desk with a pep in her step that the entire class got involved. Their raised voices overlapped, some angrier than others over what was happening.
However, you too were Stubborn alike to your brothers so you kept as firm of a grip of the packet. You turned a blind eye to the anger fuelled cover teacher. You continued to smile as she spewed threats of all sorts.
Due to your frustration and annoyance over the teacher who wanted to take your gummies away, you didn't notice how everything started change; how hard it was to move your eyes and lips, your limbs getting heavier and you thoughts slowly getting muddled up.
Lost in a daze, you were no longer able to fight back when she pulled harder, successfully snatching the small packet out of your hands. It was now that the class got furious, your friends were already up and at your side but now they were verbally attacking the teacher.
Fed up with her petty behaviour, you were going to get up and go to the nurses office who would take care of you but getting out your seat was harder said than done.
With one of your friends help, you weren't too sure who was helping you from your hazy sight that cleared when you blinked too many times.
You were wobbly on your feet, taking slow and hesitant steps towards the front of the classroom but before you could leave, you felt your legs give out and everything went black.
*****
It turned out that supposed crime scene that he was imminently needed at was nothing but a prank by a bunch of college boys resulting in a grumpy Hank putting them in cuffs and having them fined for a very reasonable reason.
That's how the rest of the unit found themselves finishing up paperwork, catching up about life in general as they debated what they were getting for lunch.
Jay was smugly sitting back, eyes flickering between Kevin and Adam who were bickering over something trivial when his phone rung, catching everyone's attention.
They were all so bored and normally when one of their phones went off during work hours, it meant something came up and they were needed.
In interest, everyone turned their heads towards Jay and waited for him to tell them they got a crime scene.
Picking up his phone, Jay's brows furrowed at the number, confused as to why your school was calling him in the middle of the day. They'd only call him if two things happened: You'd gotten in trouble or you got hurt.
"Hello. Is this Y/N Halsteads brother Jay?" A voice he couldn't recognised asked, most likely some lady from the main office.
"Yeah, that's me." Jay confirmed, sitting up in preparation for whatever he was going to be told.
"So sorry to interrupt you sir but Y/N collapsed in class." The lady said with guilt laced in her words. "Your other brother didn't pick up the phone. We called to let you know we had to call the paramedics and they've taken her to Chicago Med."
"Uh yeah." Jay said, collecting his jacket and keys. "Yes, thank you."
Not waiting for a reply, Jay hung up and quickly knocked on Hank's office door frame.
"Sarge, I gotta get Y/N-"
"Go get her. We're done here."
*****
Wanting to pull his hair out, Will rubbed his eyes in frustration, glaring at his patients scans that only confused him further. He was tired and was coming to half way through his twenty four hour shift.
"Dr Halstead- Uh, Dr Rhodes in T4." Maggie stumbled, looking down at her brick and making sure she read it correctly.
"What's wrong?" Will asked, confused as to why Maggie changed her mind which she usually never did.
"It's Y/N."
Now fully awake, Will followed Connor towards the ambulance bay where you were being rolled in. You were groggily sitting up on the stretcher, you hair a mess and a few scratches around your face and hands from when you fell.
"Sylvie, what happened?" Will asked the blonde paramedic while looking you over. He desperately wanted to check you over himself but let Connor do his thing. He really did not need Ms Goodwin on his case today.
"Teachers didn't tell us much but her classmates said she collapsed after not being able to eat." Sylvie relayed the minimal information she knew, shrugging her shoulders when the two doctors looked at her weirdly. "No one would tell us anything more."
"Y/N, it's Connor. Can you hear me kid?" Connor said while pulling out his penlight. He was like another brother to you, his concern just as high. "Can you tell me what happened?"
You groaned, mumbling nonsense with your eyes screwed closed. Your words were mostly unintelligible but Will understood them mere seconds later.
Fixing the problem you complained about, Will turned down the lights and let Connor continue fussing over you.
It didn't take long to find out the cause of your collapse, Will sighing at the news when he read the numbers from your tests.
"I thought she was always on top of her sugar levels." Connor said, closing the room door so you could sleep in peace.
And what he said was completely true but they weren't aware of why you couldn't today specifically of all days.
"She is." Will said, rubbing a hand down his face in frustration. "Maybe her dexcom malfunctioned or something."
Connor hummed, agreeing with his friend.
"Hmm, maybe."
*****
Arriving at Med, Will gave Jay a detailed rundown of everything he new about your medical state but also the events pre your hospital arrival.
Getting a good look at you, holding your hand in his and kissing you on your forehead, Jay was more than happy to leave you in your oldest brothers safe hands while he got to the bottom of this entire ordeal.
He noticed Sylvie was still at Med, Foster mentioning they were running low on a few supplies so they needed some stocking up. Jay took this opportunity to interview the two paramedics and try to get further understanding on this situation that wasn't making much sense to him.
Arriving at your school, Jay had some thoughts in mind but they weren't very concrete and his confidence wasn't as strong as he'd like it to be.
Walking into the school, Jay immediately noticed an entire class sitting and standing around in the corridor waiting in front of the principals office.
One of the girls who had been sitting in a chair had caught sight of Jay, her eyes widening before she smiled, gently nudging the girl next to her and pointing in his direction. The girls reaction was the exact same.
This created a sort of domino effect as the boy next to her noticed Jay and everyone was telling the other of his sudden arrival. The once silent corridor was now beginning to fill with murmurs and whispers, all their eyes glued onto his figure that moved down the corridor, their shocked faces quickly changing into smiles and smirks.
It seems that Jay had a reputation of sorts.
"Why are you making so much noise? What did I just say about talking-"
The principal cut himself off from his scolding when he suddenly noticed Jay's presence, his face blanching as all the pieces clicked into place.
"Detective Halstead! What a surprise, we weren't expecting to see you so soon-"
This time Jay cut him off, not too bothered about his lack manners. "My brothers with Y/N at the hospital so I thought there was no other perfect time."
The principal remained silent.
"Now, why don't you explain to me why my sister fainted under your watch?"
The students behind Jay couldn't help but snicker knowingly.
#onechicago#one chicago x reader#one chicago imagine#halstead sister#jay halstead#will halstead#jay halstead imagine#jay halstead oneshot#jay halstead x reader#jay halstead x sister!reader#will halstead x reader#will halstead imagine#will halstead x sister!reader
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The Most Common Mistakes Policyholders Make During the Insurance Claim Process

Filing an insurance claim should be straightforward—after all, you've been faithfully paying your premiums precisely for moments when you need financial protection. Yet, many policyholders find themselves frustrated and disappointed when their insurance claim is delayed, short-settled, or worse, rejected entirely.
What goes wrong? The truth is, many of these unfortunate outcomes stem from avoidable mistakes during the claims process.
Incomplete Documentation
One of the most frequent mistakes occurs before the insurance claim is even formally submitted. Insurance companies require thorough documentation to process and approve claims, yet many policyholders provide insufficient evidence.
When filing a claim, you must make sure to include:
Detailed incident reports
Clear photographs from multiple angles
Police reports (where applicable)
Medical records (for medical claim or personal accident claims)
Original bills and receipts
Correctly completed claim forms with all sections filled
Missing documentation creates unnecessary delays as the insurer must request additional information, extending the time until you receive your payout. Remember that insurers process thousands of claims and won't chase you repeatedly for missing items—the responsibility lies with you to provide complete information.
Delayed Reporting
Time is of the essence when it comes to insurance claims. Each policy has specific timeframes within which incidents must be reported—typically ranging from 24 hours to 30 days, depending on the policy type.
Many policyholders make the critical mistake of waiting too long to notify their insurer. Perhaps they're uncertain if the damage exceeds their deductible, or they're simply overwhelmed by the situation. However, this delay can provide grounds for claim rejection, as insurers need to investigate incidents promptly.
Even if you don't have all documentation immediately available, it's essential to report the incident within the stipulated time frame. You can submit additional documents later, but missing the reporting window could invalidate your claim entirely.
Misunderstanding Policy Coverage
Insurance policies contain detailed terms and conditions that specify exactly what is covered and what isn't. Yet, many policyholders have only a vague understanding of their coverage details.
Common misunderstandings include:
Assuming all types of damage are covered (when specific exclusions apply)
Not recognising sub limits within policies
Being unaware of waiting periods for certain benefits
Forgetting about deductibles that must be paid before coverage kicks in
Misinterpreting terms like "actual cash value" versus "replacement cost"
These misunderstandings lead to disappointment when claims are partially paid or rejected. For instance, a policyholder might believe their medical insurance covers a specific procedure, only to discover later that it only does so after a certain waiting period has passed leading to mediclaim rejection of claim.
Making Repairs Before Assessment
After property damage, it's natural to want to begin repairs immediately. However, starting significant repairs before the insurer has assessed the damage is a critical mistake.
Insurance companies need to evaluate the extent of damage firsthand or through an appointed surveyor. If you've already completed repairs, it becomes challenging for them to verify the damage and approve appropriate compensation.
While you should take reasonable steps to prevent further damage (like covering a broken window during a rainstorm), major repairs should wait until after the insurer's assessment. Document the damage thoroughly with photographs and videos before taking even these temporary measures.
Accepting the First Settlement Offer Without Review
Many policyholders accept the first settlement offer they receive without questioning whether it adequately covers their loss. Insurance companies typically aim to settle claims for the minimum amount possible within policy terms—it's simply good business from their perspective.
However, initial offers may not always account for all damages or may undervalue replacement costs. Before accepting any settlement, carefully review the offer against your actual expenses and policy coverage. If the amount seems insufficient, you have the right to question it and provide additional evidence supporting a higher claim amount.
Poor Communication and Follow-up
The claims process requires ongoing communication, yet many policyholders fail to maintain regular contact with their claims adjuster. They might submit documentation and then passively wait, assuming everything is proceeding smoothly.
Effective follow-up is essential to ensure your insurance claim stays on track. Keep detailed records of:
Who you spoke with and when
What was discussed in each conversation
Reference numbers for all communications
Copies of all documents submitted
Timeline commitments made by the insurer
Polite but persistent follow-up can significantly impact how quickly and effectively your claim is processed.
Not Seeking Professional Help When Needed
Complex claims—particularly those involving significant amounts—may benefit from professional assistance. Yet many policyholders try to navigate complicated claims alone, even when they're struggling.
If you're facing challenges with a substantial or complex claim, consider consulting professional services like Insurance Samadhan. These professionals understand the intricacies of policy wording and claims procedures, significantly improving your chances of a fair insurance claim settlement.
How Insurance Samadhan Can Help
Insurance Samadhan specialises in helping policyholders navigate the complex claims process and address issues of claim rejection, delays, or underpayment.
Their services include:
Expert Claim Assistance: With over 100 years of combined industry experience, their team knows exactly what documentation is required and how to present your case effectively.
Claim Dispute Resolution: If your insurance claim has been rejected or underpaid, they can help identify the underlying issues and work towards a fair resolution.
Transparent Fee Structure: They offer a refund if your case remains unresolved so you only pay for effective services.
Ongoing Case Tracking: Through their Polifyx App, you can monitor your case progress at every stage, eliminating the uncertainty that often accompanies the claims process.
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