It is extremely difficult to get Disability Insurance while having multiple sclerosis. There is one company that says it will cover MS with a graded disability insurance policy, but the criteria for getting it are so strict that, in essence, it is almost impossible for someone with multiple sclerosis to qualify for it. Group coverage may be possible.
Social Media Strategist, Disability Insurance Services, California
Because it's so rare that a company would write someone with multiple sclerosis, you'll need to provide your agent with as much information as possible before he or she can provide you with a quote. Agents can prescreen with carriers, which means they'll be able to talk to the underwriter about the likelihood that a policy would be approved before even putting you through the application process. In order to effectively prescreen, the agent would need to know you history pretty well.
It may be possible to purchase a disability policy with multiple sclerosis. Every insurance company uses different underwriting criteria. You may be able to purchase a simplified issue policy - one with limited monthly benefit amounts.
At least one carrier does not ask about MS. You would have to answer no to other medical questions, and answer no to whether you had missed five consecutive days of work during the last 12 months.
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At least one carrier does not ask about MS. You would have to answer no to other medical questions, and answer no to whether you had missed five consecutive days of work during the last 12 months.