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Can I Claim TPD for Multiple Sclerosis (MS)?

28 August 2026 · 5 min read

Multiple sclerosis can affect mobility, energy and cognition, making work impossible over time. A TPD claim may be available.

Multiple sclerosis (MS) is a neurological condition that can progressively affect mobility, fatigue, vision and cognition — often making consistent work impossible.

When MS can support a claim

  • Symptoms prevent you returning to your usual work.
  • The impact is long-term or permanent.
  • You had TPD cover when you stopped working.

Evidence that helps

Neurologist and treating-doctor reports, imaging, a record of relapses and progression, and statements on how symptoms affect your work — see medical evidence.

Fluctuating conditions

MS symptoms can vary day to day. Consistent documentation over time helps demonstrate the genuine, ongoing impact on your work capacity under your policy's definition.

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Frequently asked questions

Can I claim TPD for multiple sclerosis?

Yes, where MS symptoms prevent you from working on an ongoing basis and you had cover when you became unable to work.

How do I document a fluctuating condition like MS?

Consistent records over time — neurologist reports, a history of relapses and progression, and functional evidence — help show the genuine ongoing impact.

What evidence supports an MS TPD claim?

Neurologist and treating-doctor reports, imaging, and statements addressing how fatigue, mobility or cognitive symptoms affect your ability to work.

Disclaimer: This article is general information only and is not legal or financial advice. TPD Claim Support is a claims information and support service, not a law firm. Please seek advice tailored to your circumstances.

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