Long-Term Disability Benefits for Multiple Sclerosis in Ontario

It is generally only people of working age who are diagnosed with Multiple Sclerosis (MS), a progressive autoimmune disease. The onset of MS is most common between the ages of 20 and 50 and as the disease progresses it can make working extremely difficult and eventually impossible.
If you have a long-term disability insurance policy you may not be able to collect benefits until the disease results in a severe disability and inability to carry out a regular job.

MS Disability Benefits: From Diagnosis to Disability

When MS is first diagnosed it may be only in the early stages of the disease. MS is a difficult disease to identify because many of the common symptoms come and go.
Some possible symptoms, according to the MS Society of Canada, include:
• trouble walking;
• incoordination;
• trouble balancing;
• dizziness;
• fatigue;
• numbness and tingling;
• pain;
• cognitive impairment; and
• depression.
To diagnose multiple sclerosis a physician must perform several tests including a(n):
• MRI;
• neurological exam;
• evoked potentials (EP) test; and
• lumbar puncture for spinal fluid analysis.
Diagnosis may only be made after ruling out other causes for the patient’s symptoms, according to the MS Society of Canada.
Unfortunately, the difficulty diagnosing MS and the nature of the disease may make claiming your long-term disability benefits more difficult. Because symptoms can come and go and range in severity, it may take a longer period of time to get a true MS diagnosis.

Potential Challenges to Your Multiple Sclerosis Disability Claim

One of the biggest challenges to claims for long-term disability benefits for multiple sclerosis is that the symptoms are not always present or severe enough to impair work ability.
You may be unable to work when your symptoms “flare up” but are otherwise capable of continuing your job when symptoms are not present. When the insurance company sees this, it may deny your claim or classify your condition as relapsing-remitting.
To support your disability claim you will need consistent documentation of when your flare-ups occur and how often you are unable to work because of MS. Your doctors will become very important sources of evidence and support for your claim, so it is best to inform them of your decision to file for long-term disability benefits so they are aware they may be called upon for documentation or evaluations.
As with many other chronic diseases, suffering from MS may also lead to mental disorders such as depression. Be careful that the insurance company does not categorize your disability as a mental disorder rather than MS, as mental disabilities are often paid for shorter lengths of time and for lower amounts.

Fighting for LTD Benefits Can Be an Uphill Battle: Let us Help

At Preszler Law Firm, our legal team works with you one-on-one, keeping you informed of the progress of your case every step of the way. Insurance companies rarely see how frustrating and devastating this disease can be, and we make it our priority to ensure that your insurance policy pays out when you need it most. Call 1-800-JUSTICE® to schedule a consultation about your insurance claim or pending appeal. And remember, there is a never a fee unless we recover money for you.