Can You Get Long Term Care Insurance If You Have Ms? 
Unfortunately , it is extremely difficult to get Long Term Care Insurance if you have MS. Another LTC idea for someone with mild Relapsing Remitting Multiple Sclerosis is to apply for a Life Insurance policy with a rider that offers long term care type benefits , or allows you to use some of the face amount of the policy as a `` living benefit '' if the you lose the ability to perform two or more ADL 's . While the benefits may not be as large or comprehensive as if purchasing a traditional Long Term Care policy , the chances of qualifying for this while having Multiple Sclerosis are better than your chances of obtaining traditional LTC insurance . 