Individuals with multiple sclerosis (MS) may face challenges when applying for long term care insurance, as it is considered a pre-existing condition by many insurance providers. However, it is still possible to obtain long term care insurance with MS, although it may require some additional effort and research. Some insurance companies offer long term care insurance specifically designed for individuals with pre-existing conditions such as MS. These policies may have certain limitations or higher premiums, but they can provide essential coverage for long term care needs. It's important to carefully review the terms and conditions of such policies to ensure they meet your specific needs. Additionally, working with an experienced insurance agent or broker who specializes in long term care insurance and has expertise in dealing with pre-existing conditions like MS can be extremely beneficial. They can help navigate the complexities of the insurance market and assist in finding the most suitable coverage options. When considering long term care insurance with MS, it's crucial to compare multiple quotes, understand the coverage details, and consider the financial implications. Ultimately, while obtaining long term care insurance with MS may require extra diligence, it is indeed possible with the right approach and guidance.