The Unique Challenges of Seeking Long-Term Disability Benefits When You Have Multiple Sclerosis

Unfortunately, because of MS’s cycle of ups and downs, relapses, and recovery, insurers often deny MS patients the benefits they deserve. The problem is that not every day is a bad day in MS, and when you seem active and active, you may not even be there for a few hours the next day, in the eyes of the insurance company, the claim is not valid.

With multiple sclerosis, you need to make sure your claim is as complete as possible to make it harder for the insurance company to reject it. You should also know what to expect in the long run. Even if you’ve just been diagnosed and still expect to be healthy for many years, you should start educating yourself about the long-term disability process and start preparing for the challenges ahead.

Doctors Ready to Help

Most doctors want to help their patients as much as possible and this includes helping them get the insurance they need when their illness makes them unable to work. However, doctors are not always familiar with the application process and may not know what to do early in the process to later assist with your insurance claim. Find out how the insurance process works as quickly as possible so you and your doctor can plan ahead.

Know What You’re Up To

Typically, MS patients will go through cycles of remission and relapse where they need to take temporary breaks from work until symptoms become sufficiently favorable to require permanent leave. In addition, even during a bad illness, the patient can sometimes have good days when he is relatively asymptomatic.

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Because your work history will show you returning to work over and over, the insurance company may think you can go back again – this time is no different. Work with your doctor to document your symptoms over the years so you can prove you need to be permanently off work this time.

There are times when insurance companies use video surveillance to support their denial of a claim. That’s why it’s so important to document your disease progression so you have evidence to support your side.

Never back down

Even if you are prepared and make a flawless claim, insurance companies will sometimes deny it. This is an injustice and will likely make you feel badly accused of lying. However, know that you can appeal their decision and keep fighting to make sure you get the benefits you need and deserve. And don’t forget to diversify your insurance options. A great way to do this is to use additional online services. Such sources will share your offer through partners and independent brokers, giving the applicant more choice from different sources.

One of the best things you can do for yourself is to work with a broker to make sure you get the best possible policy for your needs and to get the help you need with your claims.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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