Private Disability Insurance - National Multiple Sclerosis Society

Skip to navigation Skip to content

Private Disability Insurance

Share

Disability insurance is often provided as a benefit of employment, and some self-employed people purchase it on their own. Disability insurance benefits help replace some of your income should you need to retire early due to your MS. Unfortunately, people with MS who try to purchase a disability insurance policy after their diagnosis will be disappointed. We are not aware of any commercial insurer willing to issue a disability policy to a person with MS. Remember that the Social Security Administration provides disability insurance benefits to all individuals deemed eligible by law. Read more about Social Security Disability Insurance.

Finally, a word of caution about filling out application and claim forms of insurance companies. As tempting as it may be not to disclose a diagnosis of MS on an application or other form when asked about your medical history, failure to provide accurate information is a fraudulent act and violators can and will be punished to the full extent of the law. The Guidebooks below were prepared to help people with MS and their health care providers prepare for filing a claim for disability benefits if and when MS symptoms make it impossible to continue working.

Publication

Private disability insurance claims: a guide for people with MS

This guide provides a step-by-step approach to help people with MS work with their doctor to assure their claim for benefits is well-prepared and likely to be approved the first time.

Download Guide

Download
Publication

Supporting MS-related disability claims to private insurers: the physician’s role

This guide provides doctors with a checklist of things to include in their supporting statement to document their MS patients’ claims for benefits.

Download Guide

Download
Publication

MS and disability: a resource for claims professionals

Information about MS for claims professionals and others within the disability insurance industry

Download Guide

Download

Share