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Private Disability Insurance

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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 Guidebook below was 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.

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Private Disability Insurance Claims - A Guide for People with MS and Their Healthcare Providers

Disability insurance replaces some of the income that a sick or injured person is no longer able to earn, and can be an extremely important safeguard. Yet many have found the process of filing a claim and securing disability benefits more challenging than anticipated. This manual has been prepared to help people with MS and their healthcare providers.

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Download Brochure (.pdf)

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