Does anyone know of a insurance company that will approve a person with MS for long term disability benefits?

It seems to me that the answers given have to do with getting a disability claim approved once you have coverage. I think the question concerned getting coverage from an insurance company - that is, getting a policy issued. If you don't have group LTD coverage through an employer, once you're diagnosed, it's been my experience that an insurance company won't issue you a LTD policy because your odds of going out on disability are much higher than for someone without the MS diagnosis. My similar problem has been getting a long term care policy, for care at home or in a nursing home. No insurance company I've talked with will issue me a LTC policy either, again on the basis that I have a pre-existing condition that would make it more likely that I would make a claim earlier in life for care.

This is a very real problem for those of us with diagnoses who don't have a group policy available through work. The Affordable Care Act only does away with denial of medical insurance for those of us with a pre-existing condition. It doesn't help at all with getting a LTD policy or a LTC policy. We are really out of luck on both of those if we haven't gotten a group policy.

And it's great that the folks who responded worked for folks who had their back though the claim process. I had an awful experience as a senior attorney with a very large law firm. The human resources people apparently had the idea that I was faking my claim, and stood in my way at every turn. It took more than 2 years and 2 appeals to get approved. They lied to me and tried to trick me, and it even took me months just to get a copy of the right policy (one for a senior attorney not a partner.) A long and very unhappy story. Maybe it's easier now with a cognitive disability now than it was then.