Hello, I was diagnosed with RRMS middle of last year (at age 56) and since my initial event in Sept 2020 have been carrying out light desk type duties on a restricted basis from home partly due to COVID-19 work from home advice.
My main persisting symptoms are visual disturbances, vertigo, nausea when moving and migraines, all of which I have never fully recovered from my initial event. I find screen work difficult due to eye strain and walking difficult due to vertigo and resulting nausea. My lesions are in my brain stem and fortunately spine is clear, so my limbs function as normal, but I feel permanently drunk (even though I am teetotal)
I have access to my employer’s group income protection insurance with Unum which states “A member is incapacitated if they are unable to perform the material and substantial duties of their insured occupation because of illness of injury”
However, the policy condition definition states: “Severe and progressive neurological or muscle wasting diseases, including but not restricted to Multiple Sclerosis and Motor Neurone Disease, with objective clinical neurological findings and a confirmed medical diagnosis”.
Since “Severe” seems very subjective, I am trying to assess my chances of a successful claim based upon experience others may have had. Or if anyone knows what constitutes “Severe”
Any comments or thoughts would be very welcome.