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Insurance question.

I wasn’t sure if I should be posting this here or the “no diagnosis yet forum” so bear with me.

I have Critical Illness insurance, and I am currently waiting for a definitive MS diagnosis, but the specialist seems fairly certain of its probability. The definition reads as follows, and I am wondering if anyone could tell me how difficult these parameters might be to achieve? Thanks in advance!

Definition

Multiple sclerosis means a definite diagnosis of at least one of the following:

  • Two or more separate clinical attacks, confirmed by magnetic resonance imaging (MRI) of the nervous system, showing multiple lesions of demyelination
  • Well defined neurological abnormalities lasting more than 6 months, confirmed by MRI imaging of the nervous system, showing multiple lesions of demyelination, or
  • A single attack, confirmed by repeated MRI imaging of the nervous system, which shows multiple lesions of demyelination which have developed at intervals at least one month apart

The diagnosis of multiple sclerosis must be made by a specialist.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

This is a tough time for you, and I am sorry that you have the prospect of an MS dx on the radar. However, having critical illness insurance and waiting for an MS dx is definitely less bad than NOT having critical illness insurance and waiting for an MS dx. Good for you, having got that in place. I wish I had done the same!

Seriously, if you get your dx, that will be rotten news, but you are unlikely to have trouble claiming on your policy, as long as it was taken out before there was any hint of neurological trouble in the air.

Good luck with it all.

Alison