Disability Insurance - Do I need it?

Hi everyone!
I’m excited to join T1 Nation. I’m a self-employed small business owner in Toronto Canada, which means I get no health, critical illness, disability insurance coverage – I’ve been paying an inflated amount (because of the Diabetes, I’ve also been rejected several times for general Health coverage) over the last 8 years for disability insurance and have started to wonder why I’m even paying for it. I would really appreciate some feedback for anyone in a similar situation – I could literally take the money I pay monthly and devote it to CGM which will help me stay healthy.

Thanks for your feedback!