MS is a disorder that affects the nerves of the eye. brain and spinal cord. The disease usually worsens over time, but there are usually periods of good health (remission) that alternate with flare-ups (exacerbations) that may be debilitating.
The rating for MS depends on how long ago the diagnosis was made and the degree of disability. No symptoms or disability, one year or more after diagnosis may be Table B or C. Moderate disability, but able to walk may be Table D to F. More severe disability may be Table H or higher, or even uninsurable.
Life Insurance Solutions, in summary when underwriting a multiple sclerosis (ms) disease history, suggests for those persons looking for life insurance for multiple sclerosis (ms) , the following factors are very important in assessing the risk:
- Is the diagnosis definite?
- Date of diagnosis?
- Frequency of attacks?
- Is there complete recovery between episodes?
- Symptoms e.g., visual loss, imbalance, incontinence, respiratory weakness, loss of mobility, cognitive impairment or other neurological impairment, etc.?
- Date of last attack?
- Degree of disability?
|
