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Disability Insurance

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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.

PUBLICATION

Applying for Social Security Benefits: A Guidebook for People with MS and Their Healthcare Provider

This guidebook offers information and tools to help you and your healthcare provider(s) work collaboratively on a successful application for Social Security Disability Insurance or Supplemental Security Income

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Download Guide
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.

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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.

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Download

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