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Our Disability Lawyers Discuss Multiple Sclerosis and Disability Insurance Benefits

  • MS / Multiple Sclerosis Disability Insurance Claim Help & Information
  • Aetna Disabilty Denial to Woman With MS Reversed Following ERISA Appeal

The disability insurance attorneys of our firm have handled numerous multiple sclerosis and other chronic disability cases in which the disability insurance company will deny a claim, insisting that the client does not have a severe enough form of the disease. However, we understand that living with multiple sclerosis, or MS, can be emotionally challenging and physically demanding as you try to maintain daily activities in addition to your job. Due to the degenerative nature of MS, most claimants will work for many years with the condition, before they are no longer able to do so. Disability carriers will want to see strong medical support that that your medical condition has deteriorated to the point where you can no longer perform your work duties. Our disability lawyers work very closely with you and your treating doctor(s) to make sure your disability is properly documented.

Through our years of experience we know exactly what the insurance companies must see in order to approve a claim or reverse a disability benefit denial. We have worked with the world’s leading neurologist specializing in MS and all of our lawyers are constantly staying updated on the latest medical publications dealing with diagnosis and treatment of MS. Disability companies often focus on the physical limitations and ignore the cognitive difficulties a person with MS experiences.

MS can often be challenging to diagnosis early in the course of the disease because symptoms often come and go, sometimes disappearing for months. These relapses, or flare ups, of the disease can often affect an individual for an unknown amount of time. Returning to or continuing employment following an episode can also exacerbate the disease. As soon as a disability carrier hears that a claimant is having a good day, then they immediately assume the claimant is fit to return to work. The disability company will also conduct regular video surveillance of claimants suffering with MS. We work with our clients to educate them about how to deal with the disability carrier and their treating doctors in order to avoid claim denial.

Which Symptoms of Multiple Sclerosis Are Disabling?

The National Multiple Sclerosis Society defines MS as having four different clinical courses. These clinical courses are called relapsing remitting, secondary progressive, primary progressive and progressive relapsing. Symptoms of MS vary widely, depending on the amount of damage and which particular nerves are affected. Common symptoms individuals with MS can suffer from include:

  • Numbness or weakness
  • Optic neuritis and other eye disorders
  • Tingling or pain
  • Tremors
  • Lack of coordination
  • Unsteady gait
  • Fatigue
  • Dizziness
  • Muscle stiffness or spasms
  • Paralysis
  • Cognitive changes
  • Depression
  • Epilepsy

If you or someone you love is struggling to continue working after an MS diagnosis, talk with us about your rights in seeking short or long term disability insurance benefits. Our firm offers a free consultation to discuss your legal options and we help with the application process, ERISA appeals or the filing of lawsuits. Additionally, if an insurance provider asks you to continually prove the severity of your disability, talk with us about how we can help. Call us or fill out our online case review form to begin your no obligation discussion of your potential claim today. We have been handling disability insurance claims since 1979 and we can help you no matter where you live.

Our Experience with Multiple Sclerosis Disability Claims

We have handled numerous MS disability insurance claims. The cases below attest to our achievements in securing beneficial results for our clients with MS. We invite you to review our resolved cases and client testimonials to learn more about our firm.

Woman with Multiple Sclerosis Files Long Term Disability Benefit Denial Lawsuit Against Prudential Insurance Company
Hartford Approves Long Term Disability Benefits for Teaching Assistant with Multiple Sclerosis


If you would like to learn more about MS, these sites are valuable sources of information:

Many charities are dedicated to researching new technologies, better symptom management and providing a community of support for individuals with MS. These charities include the:

We keep the content on this site updated with the most current MS disability news and law changes. Bookmark this page and return to it frequently to stay informed.

There are 9 opinions so far. Add your comment below.


Do you ever appeal disability insurance rejection (not claim rejection, actual coverage rejection) after being diagnosed with MS?

Attorney Stephen Jessup:


If you applied for a policy to obtain benefits, an insurance company can choose to deny writing you coverage. If it is an employer provided disability plan this usually does not occur, but you would most likely fall under pre-existing condition limitations for the first 12 months of coverage.

Sheila Habel claim under Johnson:

I Paid into Std and LTD since 2003, I was never medically released from work and fired while still medically un able to work.

I also injured my Back on the job 03-05-2014

I have been denied my LTD before medical realest to work

I have paid into the company for 12 years at 65%

I would like a reasonable answer why I am denied LTD

Request all std papers, reason of Denial and any thing that why I’m not getting treated Right

Sheila Habel was Johnson from BP America 4001 Cedar Point red Oregon OH

Sheila Habel:

I’ve had been diagnosed at 38, told BP America, also hurt my Back at work on Std

Attorney Stephen Jessup:


The insurance company will have to provide you a detailed letter as to why your claim was denied.

Jenny P.:

Help. I’m a 39 year old female diagnosed in 2010 with MS. I applied for disability in 2017 and was denied 2 weeks ago.

Attorney Stephen Jessup:

Jenny, were you denied under a private or employer provided disability insurance policy? If so please feel free to contact our office to discuss how we may be able to assist you in appealing the denial.

Linda B.:

Do you handle cases if the pt. is in a nursing home and is unable to get help for herself. I’m her sister living in Alabama trying to get her some help. She is bed ridden and is not getting any physical help at all. Please she needs a attorney appointed to handle her case. Hoping to hear from you. Thank you.

Attorney Stephen Jessup:

Linda, we handle long term disability insurance claims under employer or privately purchased disability policies. If she has such a case we can certainly review everything. If she needs help in some other area of law we may be able to get her in touch with the appropriate attorney. Please feel free to give our office a call to discuss.

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