I know I can’t work anymore because of my MS. What do I do about money and insurance? What do people do with themselves when they don’t have a job to go to anymore?
What programs can I apply for to maintain income and health insurance?
Programs like SSI and SSDI (Supplemental Security Income/Social Security Disability Income) can provide a moderate monthly income to people who can’t work due to their disability. You may be able to pay to keep your employer coverage for some time with COBRA, or to get new coverage through programs like Medicaid, Medicare, and others.
What can I do about my income and insurance in the meantime while I apply for those programs?
If you have short or long-term disability insurance through your employer or a personal policy, you may be able to receive a percentage of your previous income each month until you qualify for other benefits. Some states also have programs to provide a moderate cash stipend and Medicaid coverage to people who are waiting for SSI/SSDI applications to be approved. COBRA coverage may allow you to pay to keep your employer insurance until you can find a new insurance option.
I don’t know what to do with myself now that I’m not working. Where do I start?
Many people find themselves out of sorts after leaving work, both in terms of what to do with their time and how to replace the meaning that work can give our lives. There are many ways to contribute by doing what you enjoy. Volunteering and part-time work are just a few ways to do this. Most people don’t know that even if you’re receiving Social Security, you may be able to work part-time. Learn more about some of the options available
This is a lot of information. How can I get help with understanding Social Security, filling out applications, and figuring out what to do next?
Even if you don’t know where to start, we can help! Call 800-344-4867 (800-FIGHT-MS) and speak to an MS Navigator. Ask them about employment consultation.
Not sure where to start? Need more information or help with what’s next?
Call 800-344-4867 (800-FIGHT-MS) and speak to an MS Navigator.
Ask them about employment consultation.
Click here for a complete list of helpful resources, links, and brochures.
The National Multiple Sclerosis Society is pleased to assist you in researching information about employment-related issues. Our comments are based on professional advice, published information, and expert opinion, but do not represent legal advice. For legal advice, please consult a qualified attorney.