I think with you saying that you have resently joined your works pension scheme, thats the problem.
They are stating, that you might not be covered because MS is so unpredictable, they just don’t know what will happen and like everything they are thinking about paying out.
It is abit like an insurance policy, you need a length of service, working age, and other numerous details are all a factor. I suggest you try and start saving for a rainny day, just in case.
I you can, try a smaller/not big bank, building society, Bonds, ISA’s are all a good thing, you need to check them out properely. If you know a good friend into finance matters ask them. But, be very carefull, rememberyou need to be happy with things, if its looks iffy, it usually is.
Hope all goes well. Andy