Disability insurance replaces some of your income if you can no longer work and earn an income due to a disability. Approximately 40% of all people with multiple sclerosis in the United States rely on some form of disability insurance for their income. There are two types of disability insurance: government sponsored and private. Social Security Disability Insurance (SSDI) is a government entitlement program administered by the Social Security Administration.
Because claiming disability benefits can be a lengthy and complex process, it is important for people hoping to secure disability benefits to understand the criteria used by insurers or the government when they review and determine whether to approve a claim. These issues and more are described in the following materials prepared by the National MS Society to help people with MS, and healthcare professionals understand the process one step at a time.