My employer had income protection insurance for all staff, so I stuck to them like glue hoping to claim it regardless of job satisfaction.
I carried on working with SPMS until I reached a point where I felt it would be easy to sue the insurance company if they failed to pay out, since I wasn’t relapsing anymore needed to judge it based on slowly worsening symptoms (perpetually exhausted; wheelchair bound and weak arms, only able to type for ~30 mins at a time without rest - I was very good at the job so still able to perform to an acceptable level despite this even if very far from 100%). I got hr to book me an appt with occ therapist and explained I was finding things too difficult (arms were the last straw, I’d wanted to stop some time before but was afraid of an unsuccessful claim), they supported this and signed me off.
While off I met with my gp and neurologist to explain the insurance and intention to claim, so they would be prepared if the insurance company contacted them. After 4 months off it was clear I wasn’t returning so got the claim form. Filled it in with everyone’s details and it paid out at 6 months. Very scary waiting (since I would have had no job if unsuccessful and had to sue), but it all worked out.
Unusual thing is, I chose when to leave since I was able to keep performing my job with heavy disability. I am so glad I stopped though, it has improved my healthy enormously, I was sacrificing my health away staying there (dragging myself in each day). I hope I did the best for me and my family doing this.