MS Disability Claims
Long-Term Disability for Multiple Sclerosis in Ontario
Multiple Sclerosis is unpredictable, progressive, and often invisible. Insurers use its variability against you. We use it to prove your case.
Common Denial Tactics
Why insurers deny Multiple Sclerosis claims
"You're in remission" (ignoring fatigue, cognitive issues, and residual symptoms)
"Your MRI shows stable lesions" (stability ≠ ability to work)
Change of definition denial at 24 months
Surveillance on good days used to deny ongoing disability
IME neurologists who minimize relapsing-remitting symptoms
The Relapsing-Remitting Challenge
MS claims are complex because:
- Symptoms fluctuate unpredictably between relapses
- Fatigue and cognitive fog are the most disabling symptoms but least visible
- MRI findings don't always correlate with functional impairment
- Insurers use periods of remission to argue you can work
Our Approach
How we prove Multiple Sclerosis disability
Neurological assessments documenting cumulative disability
Cognitive testing showing processing speed and memory deficits
Fatigue severity scales and functional impact evidence
Treatment records showing disease progression over time
Occupational therapy assessments of work capacity
Heat sensitivity testing and environmental limitation evidence
Independent neurological opinions to counter insurer IMEs
Protect Your Claim
What insurers look for
What to Avoid
- Social media posts during remission periods
- Gaps between neurologist appointments
- Minimizing fatigue when talking to your insurer
- Agreeing to return-to-work plans without legal advice
What to Do
- Maintain regular neurologist appointments
- Document fatigue patterns and cognitive difficulties daily
- Report all symptoms, even ones that seem minor
- Track how symptoms affect daily activities and work capacity
Common Questions
Your questions, answered
Denied for Multiple Sclerosis? Let's talk.
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