Can People With Ms Get Long Term Care Insurance? 
People with MS can not get traditional long term care policies , but some people with multiple sclerosis can get life insurance policies with `` living benefits '' that will provide money for extended care needs . Also , there are riders on some traditional life insurance polices that allow the death benefit to be used for long term care type needs while the insured person is still alive . When MS is very mild , it may be possible to purchase a life insurance policy with that type of rider . 