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

Our Disability Lawyers Discuss Multiple Sclerosis and Disability Insurance Benefits

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:

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.

Read 11 Recently Resolved Cases

Read 18 Lawsuit Summaries

Leave a comment or ask us a question

There are 9 comments

  • 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.

    Stephen JessupJan 2, 2018  #9

  • 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.

    Linda B.Jan 1, 2018  #8

  • 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.

    Stephen JessupOct 24, 2017  #7

  • 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.

    Jenny P.Oct 18, 2017  #6

  • Sheila,

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

    Stephen JessupNov 21, 2015  #5

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

    Sheila HabelNov 20, 2015  #4

  • 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 claim under JohnsonNov 20, 2015  #3

  • TMT,

    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.

    Stephen JessupOct 9, 2014  #2

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

    TMTOct 8, 2014  #1


Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews   *****

Maria K.

It was a great experience I had with the whole team. Whoever I worked with through out the whole process was very responsive, detail and time sensitive. The cost arrangement was discussed up front so I knew exactly what my cost would be. My case was discussed in person, all the documentation I had available, I provided. Some specific statements were requested of me, friends and family. It was reviewed by Dell & Schaefer and it was determined that I had a strong case.

The appeal was submitted before the deadline and I had a copy of it to review. I was very pleased of the whole content of the submission. I read all the strong points of the appeal and I knew at that point that it was a very strong appeal case and one way or another Dell & Schaefer would win the case. It was a matter of principal for me and I feel that I got my point across to my employer. I could’ve waited to go through a trial but I did not because I really did not want to have this issue hanging over me any longer so agreed to settle my case.

They are very detailed, responsive, up-front, they tell you if you have a strong case, tell you the angle that they’ll use to go after your case, get all the appropriate documentation so as to back-up everything they say, they are time sensitive and keep you updated as time goes by. They are a great team! I had my concerns at first because they are not local but they gave me all the time I needed to have any discussions and ask any questions.

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