Hello everyone! My hubbie just got new diagnosis last week needless to say were shell shocked. Hubbie mostly in denial i think so Im busy researching someone has to know what its about. I was wondering if any of you could answer this we have a policy for our mortgage covering critical illness but there are 2 conditions 1.there must be current impairment of motor or sensory function which must have persisted over 6 months and the diagnosis must be confirmed by diagnostic techniques. this ia al double dutch to me. Hubby has had mild symptoms so far thank god tingling in the face a bit of bladder issues and restless legs. Back in March he had severe headaches along with tingly face and speech problems - had an mri which indicated MS but Neruologist only confirmed last week after second batch of symptoms which from reading here is normal. I know his biggest fear prob is not being able to provide for his family whick is why were investigating this policy but not sure if he ticks the questions. Sorry for long message would greatly appreciate any replies!
Sorry to hear your news but rest assured it isn’t the end of the world,and you have come to the right place when looking for answers.
Firstly the society does booklets on every aspect of living with ms.I would advise you download them or send for them,but don’t go into frantic overload trying to research it to death,there is no rush,take time for each other first as it is a major shock to the system if you weren’t expecting it.
Has your other half been given his ms nurses number as you may well find you have more dealings with her than your neuro.
From the critical illness point of view as soon as I was dx (diagnosed) I asked for a claim form and at that point I only had minor leg issues and a dx. Mine paid up no problem although it did take a long time.
Your hubby must inform dvla which you can download the form from their website,and inform your insurance. They can not increase your premiums and you can still drive but he will get a restricted 3yr licence…so they can track with the gp if you are still fit to drive.
Don’t forget on here there are no stupid questions or a restriction on how many you ask.This is a whole new world but there is a cyber army of help and support.
pip
ps
I meant to say many of us have vision problems,so when you write can you put gaps like above because at times people myself included see a block of text and move on as it blurs into one.
You weren’t to know,and as I said before there is alot of new stuff to get your head around.
Last other thing!!! Dont go chasing round the crack pot miracle cure sites,stick to ms society and trust sites as all you need to know is there…and then the explaining the everyday living with it and the weird things it causes we are all here for.
Take care both.
Pip
Thanks Pip - sorry never realised will keep it in mind- thanks for the reply!
Sorry to hear about your news.
With the mortgage critical illness I would request a claim form and return it with as much information possible with what has happened and going on at present. Usually the insurance company will request further information from the neurologist for confirmation of the diagnosis etc.
If you any further help please let me know as I deal with critical illness policies etc with work and happy to help.
The main thing is to notify them about the MS as some companies have set durations to lodge the claim.
Thanks spuddy thats great to know - someone who knows what there talking about!
Hi Elaine, and welcome to you and your hubby 
Great advice from pip already so I thought I’d just help a but with that terminology. Sensory function means feeling, seeing, hearing, smell. Motor function means movement, strength, coordination, etc. All MS symptoms can be spilt between sensory and motor. That means that if your husband has any leftover symptoms from his first attack back in March, he will satisfy the first criteria. The diagnostic techniques bit is probably to make sure that the claim isn’t some dodgy deal between a claimant and a doctor. All it means is that your husband has had an MRI etc to get the diagnosis. So you’re fine on that. It’s tough, coming to terms with a diagnosis, so take it one day at a time and be kind to each other - talk, listen, but understand that the other may not want to sometimes. You’ll get there. Karen x
Thank yo Karen His symptoms did clear between may and October until they returned so I don’t know if this would be classed as continuous? Thank you for the clarification I’m sure ill have many more questions