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How are your life insurance premiums calculated

How are Life Insurance premiums calculated?

Author: Daniel Sharpe-Szunko

It’s important to understand how your life insurance premiums are calculated so you know what you’re paying for. Life cover is mainly designed to protect your family, home and business if anything happens to you.

Ultimately if you were no longer around to support your family or your income was impacted because of an illness or accident, these policies would relieve the financial burden. Life insurance, critical illness cover and income protection all come under the same umbrella of personal protection products.

Life insurance is the main type of cover because it’s the most common and the most affordable. This is simply because you’re much less likely to have to claim on a life insurance policy than critical illness cover or income protection.

A life policy is a contract between you (a policy holder) and an insurer. The policy becomes valid when premiums are collected (monthly or annually) after ‘acceptance terms’ are issued.

The policy is set to cover an amount (sum assured) over a period of time (term) to pay out to on death, serious illness or accident (depending on cover type).

What is life insurance?

A life insurance policy is simply a policy that pays out to a beneficiary (e.g. wife, children, partner or family) in the event of death. This pay-out is usually a tax free lump sum which can form part of your estate or this can be avoided using a Trust.

Life insurance also comes in 4 main forms which are all designed for different purposes depending on what you want to cover:

  • Level term (family protection) which is simply to protect your loved ones in the event of death
  • Decreasing term (mortgage protection) which is specifically designed to cover a mortgage (repayment mortgages only)
  • Whole of life is a more recent addition to the life insurance market which is a non-investment based guaranteed life cover
  • Family income benefit is also a newer type of cover which is specifically for your family and provides an annual income rather than a lump sum

All of these different types of life cover also cost different amounts per thousand pounds because of how they pay out. Whole of life is always the highest because it is guaranteed to pay out (as long as you continue to pay your premiums). Family income benefit is the cheapest because the amount of cover reduces faster than the other types of cover.

How are basic life insurance premiums calculated?

A life insurance premium is made up of several main factors before health and lifestyle are taken in to account. These are the things that would be taken in to account to give a base premium, which includes:

  • Age (Note: every time you pass a birthday your premiums will increase)
  • Smoker status (Note: No nicotine or nicotine replacement products for at least 12 months to be classed as a non-smoker)
  • Sum assured (amount of cover)
  • Term (length of policy in years or to age)
  • Type of cover (e.g. level term, decreasing term, family income benefit or whole of life)

Note: Gender– In February 2012 the EU Gender Directive made it illegal to use gender to differentiate between individuals for insurance

What else is used to calculate a life insurance premium?

There are also several other elements that are used to calculate the premium that a person (policyholder) will pay for cover. The following elements are behind the scenes calculations which will also be different for each insurance provider.

Underwriting process

When an application is submitted to an insurer, it will enter one of several potential routes depending on the disclosures. Generally the more complex the disclosures (e.g. medical conditions, hazardous occupations and dangerous activities) the more work that will be required at the back end.

The various types of underwriting processes are:

Underwriting Rules Engine (URE’s) which is where modern technology is used to apply a premium based on disclosures on an online application. Usually an insurer will allow a system (URE) to make a decision up to a set threshold (level of risk)

Manual underwriting is simply where an application will be referred to an underwriter (a person who assesses risk) to calculate a premium. An underwriter will also have certain limits that they will be allowed to go to before the next stage

Nurse screening or telephone medical will be used to gather additional medical evidence via a professional (e.g. nurse). These tests will usually include BMI (height & weight), blood sugar levels, cotinine test (smoker test), and blood pressure

Full GP report (medical report) which will be obtained directly from your GP or Doctor to provide a full breakdown of your medical history. Medical reports are usually for more complicated medical conditions or where symptoms are more severe

Once the underwriting process has been completed by whichever process, a premium will be offered based on information provided. Each insurer has a different set of parameters for each persons circumstances based on their ‘underwriting philosophy’.

Mortality and Morbidity data

All life insurance offices will have a team of actuaries who are mathematical people that calculate risk. These people will constantly be looking at trends in data which help them to make decisions for certain groups or risk categories.

Some of the most common types of morbidity are heart disease, cancer, chronic lower respiratory diseases, stroke, diabetes, pneumonia and influenza, Alzheimer’s disease, kidney disease and suicide.

Also co-morbidity is where two conditions occur simultaneously in the same person. The conditions don’t need to be directly linked to a cause, however they may often occur together. Some examples of co-morbidity are depression, diabetes and obesity which often occur together but are not likely to have the same cause.

There is no exact science to how an insurer will calculate a premium for an individual, however the insurer will use this information to calculate risk of death. It is a fair assumption for example that ‘a person in their 50’s is more likely to fall ill or have an existing medical condition to a younger person.’

Costs and margins

Any business will need to make sure that it is profitable and insurance is no different. There is a cost associated to running an insurance company and for processing an application. Each insurer will have their own costs and these will be different depending on the size of provider and how they operate.

There are several main costs that will be taken in to account when processing an application for life insurance. Some of the main costs will include:

Underwriting – a team of underwriters is a cost to a business so that must be taken in to account

Medical evidence – medical reports from a GP or doctor will costs anywhere between £60 and several hundred pounds

NTU rates (not taken up) – every time an application is processed that is either declined or not accepted, there will be a cost associated to that

Lapse rates (cancelled cases) – if a policy is cancelled within a certain period of time then it may then incur cost to the insurer

Generally bigger insurance providers are more efficient than smaller or newer insurance providers so can therefore drive lower premiums. Profit margins for life offices are difficult to project as they are forecasts based on future premium collections and potential claims.

For more information about this subject you can contact one of our team of experts at iam|INSURED on 01244 732896.

How to get the right life insurance if you suffer from epilepsy

Life insurance premiums and cover options for people with Epilepsy

(Author: Daniel Sharpe-Szunko)

More people are being diagnosed with epilepsy in the UK than ever before and the figure is now over 500,000. This is one of the most common forms of neurological conditions which is most well-known for the seizures it causes.

Epilepsy and life insurance is something that is close to my heart because a good friend who sadly past in his mid 30’s. Tragically he had suffered a brain injury from a fall during a particularly bad seizure. This was devastating to his friends and family as it was unexpected and very sudden.

iam|INSURED is a #1 life insurance expert rated 5* by our customers and our advisers will help you to get the right cover. Our mission is to make sure that everyone we speak to is treated fairly and pays the right price for life insurance.

How does having epilepsy change life insurance?

A life insurance policy is designed to protect your family and takes account of your health or medical condition. Cover for someone who has this particular condition will differ more depending on the type of seizures you have and how many. Some people who suffer from epilepsy have very few seizures which means that they can easily get cover generally.

It is important to understand that some insurance providers are better at underwriting epilepsy than others. You might even find that some insurers can be two or three times the price of others which is shocking. It could also be the case that an insurer might decline your application for cover but others could accept without any problems.

Some of the questions you might be asked about your epilepsy if you apply for life insurance are:

  • What was the cause of your epilepsy (e.g. alcohol, brain swelling or scarring, other medical condition, drug use or medication)?
  • Are you awaiting any scans, tests or investigations?
  • When was your first seizure?
  • Has your treatment changed in the past 6 months?
  • Has your epilepsy caused any cognitive issues or mental health problems?
  • Have you been admitted to hospital because of your epilepsy?

Life insurance can seem unfair and infuriating at times which is totally understandable for someone with epilepsy or other medical conditions. If you’ve experienced this situation then you may feel let down or disillusioned about life insurance. Don’t be disheartened about getting cover for your family and it’s important to know that there are other options.

Is life insurance different for someone with epilepsy?

Life insurance is the same product generally, regardless of your health or medical conditions. It will pay out a cash lump sum to your family or to your beneficiaries if you die which will provide financial security in the future. If you’ve been diagnosed with epilepsy then you’ll need to answer some questions about it and potentially provide a GP report.

The process of applying for life insurance if you’ve got epilepsy might be slightly different than others. This is simply to take account of your medical situation so that there are no questions at the point of claim. You should make sure that you disclose your epilepsy and answer any questions accurately to the best of your knowledge.

Will I need to provide a GP report?

In most cases where the symptoms are mild and seizures are fewer then you’ll probably not have to give medical evidence. The purpose of medical reports is to make sure that your application has been fully assessed and underwritten.

For a lot of neurological conditions, a GP report will be requested but that’s not a bad thing. If you apply for life insurance and you’ve got epilepsy then you’ll probably be asked to provide your GP details. The next stage is underwriting and where your GP report might be requested.

You will also have the option to view your medical report in this instance which means that you’ll be able to check the information before it gets sent to the insurer. In this instance you would need to visit your GP to check the report before it gets sent on. If you’re happy with the information on your medical records then you can skip this step to save time.

Has Coronavirus (COVID-19) changed life insurance rates for epilepsy?

The impacts of COVID-19 are similar for most medical conditions because most insurers have placed similar restrictions. Someone with mild epilepsy looking for life insurance would generally see no change to their application journey. It is only towards the more severe end of the scale where there are changes generally.

There are potential links to additional risks connected to epilepsy medication with extra mortality from Coronavirus. Most people with symptoms of COVID-19 would be postponed for a period of 30 days after symptoms have gone. If you had been exposed to certain circumstances where there is a potential risk of contracting the virus then there could be limitations in cover.

Some Coronavirus questions include:

  • Have you tested positive for coronavirus?
  • Have you been told to self-isolate?
  • Are you experiencing symptoms such as cough, temperature or loss of taste / smell?
  • Do you know anyone with Coronavirus that you’ve been in contact with?

While this situation has been an unprecedented period in history, there’s nothing to suggest that something like this might happen again.

There have been certain limitations that came in to force during the pandemic which caused restrictions for some people. The limits only tended to be towards the severe end of the spectrum where people had complications or control issues. Some of those limits put in place included:

  • Maximum amount of cover available (£1 million max)
  • Restrictions to underwriting levels
  • Some medical evidence requirements restricted

The limits are expected to be temporary, however there could be longer term effects on medical underwriting for life insurance.

Can I get critical illness cover if I’ve got epilepsy?

People with epilepsy can usually get critical illness cover with no real issues, especially where seizures are mild (absent seizures). If you’ve got epilepsy and you’re considering taking out critical illness cover then here’s how it works. You’ll be asked a series of medical questions about your condition as well as the usual general questions about your health, lifestyle and occupation.

The main things that will be taken in to consideration when you’re applying for this type of cover with epilepsy are:

  • Type of seizures you have (e.g. absent or tonic-clonic)
  • Date of diagnosis
  • Frequency of symptoms / seizures

We’ve dealt with thousands of these types of applications over the years so we know which providers offer the best cover as well as cheaper premiums. It’s often the case that some insurers are far better than others in terms of underwriting for epilepsy and especially with more complicated products such as critical illness cover.

You should need to consider that some insurance companies will remove certain elements from your critical illness cover policy connected to your epilepsy. These are called ‘exclusions’ and in this case you might find that certain neurological conditions will be excluded.

Make sure that you check your documentation thoroughly to ensure that you’re satisfied with what you are being offered. And remember that cheap isn’t always best in this situation, it’s more important to have the right cover.

Is income protection available with epilepsy?

Most people with epilepsy work normally with no major restrictions to lifestyle so income protection is important. This is something that’s quite common so here’s a bit more about how it might work for you. If you’ve got epilepsy and want to protect your income then you should be able to get covered in most cases.

If you are only suffering from mild symptoms and you are well controlled then you should be able to get this type of cover quickly and easily. Some people with mild absent seizures that happen infrequently could get accepted for cover immediately with no further medical underwriting. It may be the case that you would not be covered for anything connected to your epilepsy in this instance, this can vary depending on the insurer.

People who suffer from more severe symptoms such as tonic-clonic seizures or more frequent symptoms, could require further medical underwriting. There’s a chance that you could see some providers offer cover with some limitations which could include exclusions or limits to the length of deferment period.

A deferment period is the number of weeks you have before you are able to make a claim, usually in this case it will be a minimum of 13 weeks. This basically means that you would be able to submit your claim once you have been off work for 13 weeks and usually for 12 to 24 months from that point.

There’s also other types of income protection policies that might be more suitable for someone with epilepsy. These more unique and exclusive products would offer cover for shorter claim periods (e.g. 12 months) with no medical underwriting. We offer these policies because they’re ideal for people with medical conditions like epilepsy.

Why is travel insurance different with epilepsy?

If you suffer from epilepsy then it’s important to take out the right travel insurance to make you’re covered with you’re abroad. If you are planning to travel in the future and you need insurance then here’s a bit about how it works. Anyone applying for travel insurance will be asked questions about their health, including questions about epilepsy.

You’ll need to make sure that you provide accurate information about your condition so that you’re properly covered. If anything happens to you while you’re abroad and you failed to disclose this information then your claim could be invalid, and potentially costly.

If you need travel insurance and you’ve got epilepsy, then you’d be protected if you have any issues or seizures while you’re away. Medical treatment in Europe or globally can be extremely expensive which is why travel insurance is so important.

Some travel insurance policies for people with epilepsy will provide:

  • 24 hour medical emergency helplines
  • Medical treatment abroad
  • Replacement medication

Our travel insurance partners work with a panel of leading pre-existing medical conditions travel providers to help get you the best cover for less.

What are the potential issues for someone with epilepsy getting life insurance?

Epilepsy is one of the most common neurological medical conditions with a wide range of potential symptoms, severities and treatments. It’s important to be aware of the possible problems that you might encounter when you apply for life insurance.

We’re always 100% focused on making sure that our customers get a fair price but also that they get the right cover. Here’s what we know are some of the slightly more complex issues around getting life insurance with epilepsy:

  • Recent hospitalisation can cause some concerns for underwriters or multiple hospitalisations can also be an issue. If you’ve had hospital treatment because of your epilepsy then you’ll be asked for information about it
  • Tonic-clonic seizurescan also be a concern for some underwriters because they are classed as more serious than absent seizures
  • Outstanding investigations will also often cause your offer of cover to be postponed until those investigations have been completed and results are available. This is just to ensure that nothing shows up in the results of tests

Many people that we speak to with epilepsy have been refused cover elsewhere or offered premiums that seem high. We’re often able to get you covered even if you’ve had an application declined previously so give us a call.

Epilepsy awareness events

Epilepsy awareness day (Purple Day) usually takes place towards the end of March in the UK and people are encouraged to wear purple to raise awareness for epilepsy

Epilepsy awareness week is also a national event in the UK which also promotes people to wear purple which is the colour used to represent epilepsy. This event usually takes place towards the end of May each year

Epilepsy awareness month takes place in November each year and is a global event to help raise awareness for people suffering from the condition

Epilepsy charities and support (UK)

Epilepsy Society
Helpline: 01494 601400
Address: CAN Mezzanine, 49-51 East Road, London, N1 6AH

Epilepsy Action
Helpline: 0808 800 5050
Address: New Anstey House, Gate Way Drive, Yeadon, Leeds, LS19 7XY

Epilepsy Research
Telephone: 0203 096 7887
Address: CAN Mezzanine, 7-14 Great Dover Street, London, SE1 4YR

Young Epilepsy
Helpline: 01342 831342
Address: St. Piers Lane, Lingfield, Surrey, RH7 6PW

NHS Choices – Living with epilepsy

MS Life Insurance Guide – For People Living with Multiple Sclerosis

A Comprehensive Guide to Life Insurance for People Living with Multiple Sclerosis

If you’ve got multiple sclerosis and you need some information about how to get life insurance to protect you, family, then please read on. Our mission is to provide support and help to people with medical conditions, assisting them to get the right life cover at the right price.

iam|INSURED is a leading life insurance specialist, and we’ve been helping people with multiple sclerosis (MS) and other medical conditions to get cover for 20 years. Life cover can protect your family and your home, and for people with MS, it’s essential to understand what the best options are, which is where we can help.

Over the past 20 years, our team has helped thousands of people with multiple sclerosis to get the insurance they need to protect their loved ones. It’s important to us to know that we’re doing our utmost to make sure that you’re getting the best cover for your family or your mortgage.

We’ve worked with some of the UK’s top MS experts over the past 20 years as well as working closely with some incredible MS charities. It’s been a privilege to offer support to people with multiple sclerosis and to help raise funds for various MS charities and non-profit organisations.

We want to help you to understand life insurance for ms patients and travel insurance, critical illness cover and income protection with MS too. A lot of people with MS have put off insurance because it can seem difficult or even impossible, which we think is wrong and we want to change this.

What is Multiple Sclerosis?

Multiple sclerosis (MS) is a neurological condition which affects the brain and the spinal cord. People with MS have damage to the coating that protects their nerves (myelin) which causes various symptoms, including issues with mobility and blurred vision.

There is a substance in the body called myelin which protects the fibres that make up our nerves in our central nervous system. Myelin helps messages to travel through our bodies quickly between our brain and our body and limbs.

In someone with multiple sclerosis, their immune system (the bodies way of fighting infections), mistakes Myelin as a foreign body, attacking it. That can causes damage to the Myelin, stripping some or all of it off the nerves, sometimes leaving scarring, known as lesions or plaques.

The effect that this process can have on the body causes disruptions to the messages travelling through our central nervous system. These messages can either be slowed considerably, distorted or even blocked completely.

What are the different types of Multiple Sclerosis?

There are three well known and more commonly referred to as types of multiple sclerosis which are:

  • Relapsing-Remitting MS (RRMS): is where people will have intermittent periods of symptoms, known as a relapse which can vary dramatically from one person to another. Roughly 85% of people diagnosed with MS have relapsing-remitting, which is often treatable with a disease-modifying therapy (DMT).
  • Secondary Progressive MS (SPMS): is very often the next stage of the condition beyond relapsing-remitting. In this type of MS, the person will often experience progressively worsening symptoms and disabilities. The main difference between this and relapsing MS is that you would no longer have periods of no symptoms or relapses.
  • Primary Progressive MS (PPMS): is known to affect approximately 10-15% of people diagnosed with MS. The name primary comes from the simple fact that from the very first symptoms, they get progressively worse.

How many people does Multiple Sclerosis affect in the UK?

There are an estimated more than 130,000 people in the UK living with multiple sclerosis and that nearly 7,000 people are newly diagnosed each year. Roughly 1 in 500 people living in the UK have MS, and there are 130 new people diagnosed each week.

These statistics and estimates are provided by MS Society who work in partnership with Public Health England:

  • MS affects more than double the number of females as it does males (per 100,000 people in the UK = 272 females / 106 males).
  • Females between 50 – 59 are three times more likely to get diagnosed with MS.
  • People (both male and female) are most likely to have MS between 60 – 69.
  • MS is more likely to appear in ex-smokers than for the general population.

Statistics are from Public Health England.

Can I get Life Insurance with Multiple Sclerosis?

Life insurance is essential for anyone who has either financial dependents (e.g. children, partner or family members) or to cover for debts such as mortgages, loans and businesses. Some people with medical conditions such as multiple sclerosis feel discouraged in applying for life cover, which is incredibly concerning for us. It is often far easier to get life insurance for people with MS than you might think, and we can help.

The main questions that insurance providers will ask someone with multiple sclerosis are:

  • When were you diagnosed with MS?
  • Which type of multiple sclerosis do you have?
  • What type of treatment or therapies are you receiving or have you received in the past?
  • Do you have any issues eating, swallowing or do you need to spend most of your time in bed?
  • Do you use walking aids (e.g. wheelchair, scooter, walking stick or crutches)?
  • Are you working, or are you able to work?

Your answers to these questions, in addition to general health and lifestyle-related facts, will be taken into consideration. It is even possible to get life insurance accepted without additional medical evidence from your GP, which is a significant step forwards.

Which types of Multiple Sclerosis can get Life Insurance?

Generally, the type of multiple sclerosis will have a bearing on how easy it is to get life cover as well as the severity of your symptoms. People with Relapsing-Remitting MS will be slightly easier to get protection for than people with Primary or Secondary Progressive. Because of how the symptoms and affect on lifestyle, for people with relapsing-remitting MS, these can be less severe than for someone with primary or secondary MS.

It is now possible to even get immediate cover for someone with relapsing-remitting multiple sclerosis, which is a big step in life insurance underwriting. Previously you would have always needed to provide your GP details on your application so that the insurance provider can request to see a copy of your medical history; now this isn’t always the case.

MS life cover is usually available for the vast majority of people with MS regardless of the type of the condition. The same rules apply to life insurance underwriting with multiple sclerosis as any other medical condition and consider your overall health and your lifestyle too.

Which insurance companies are best for Multiple Sclerosis?

Our insurance partners include some of the UK’s biggest and best brands such as Aviva, AIG, Aegon, L&G, Zurich and LV. It is fair to say that some of these insurance companies are better at underwriting different types and severities of medical conditions which is the same for MS.

Our many years of experience and expertise means that we’re able to reasonably quickly identify which insurance companies will be best for you, based on your disclosures to us. We also know from our close links to these insurers that their underwriting philosophies can change quite quickly and dramatically. At the point that I am writing this article to explain which insurance providers are best for MS, this will no doubt have changed by the time you are reading it.

It’s incredibly difficult to say which insurance companies are best for MS because each application is usually very different, but also things change over time. We keep in close contact with underwriters in the top insurance companies to help us to understand any changes and get the best outcomes for you. Something else to consider is that the difference in terms being offered for you by one insurance company will often be very different from another, which is where we can help.

Can I get Critical Illness Cover if I’ve got Multiple Sclerosis?

It’s advisable to consider all types of cover when looking at the best ways to protect your family and your home. Critical illness cover is the second most popular type of cover for people who are looking for financial protection. This type of cover provides you with a lump sum payment which is often tax-free if you have a diagnosis of severe illness such as Cancer, Stroke, HIV, Heart Conditions and MS.

Generally, someone with a family history of multiple sclerosis will be able to get critical illness cover after age 40 if they’re in relatively good health. People diagnosed with MS already usually won’t be eligible for standard critical illness cover. However, there are alternative types of insurance cover available.

Some specialist insurance products are available which would provide cover for non-related conditions such as cancer, HIV or Heart Conditions.

Is Income Protection available for people with Multiple Sclerosis?

There are some income protection style products which are available for people with MS and other pre-existing medical conditions. We’re continually searching for more products such as income protection to help people with multiple sclerosis because of the restrictions that insurers put in place.

Income protection is something that can be important to someone with MS, so there are some options available. We’ve sourced several unique products that will pay out for some time if you’re unable to work due to sickness or injury. Some people wrongly assume that people with MS don’t work which we know isn’t the case, which is why we’ve worked hard to offer cover. MS doesn’t mean that you can’t work and people with mild symptoms can function normally, so we want to make sure you’re protected.

Over the years, we’ve found several products which are exclusive to insurance experts like iam|INSURED because of the work we do. You should speak to one of our team of experts about it, and we’ll be happy to tell you what’s available to you and how much this will cost you each month.

How much does Travel Insurance cost for Multiple Sclerosis?

If you need travel insurance and have multiple sclerosis, then you’ll generally find that prices will be different. Our travel insurance partners offer expert advice for people with MS and other medical conditions to get the best cover from the UK’s best travel insurers. If you’ve got benign, relapsing-remitting or progressive MS then you’ll need to disclose details about your health to us so we can give you the lowest premiums.

Travel insurance is essential for anyone with a pre-existing medical condition, and MS is just as critical because of how unpredictable symptoms can be. You should make sure that you’ve got sufficient cover in place when travelling abroad to protect if anything should happen.

You should make sure that if anything happens to you while you are abroad that you have proper cover to avoid costly medical bills. Medical treatment can be expensive when outside the UK, so your travel insurance policy will protect against this eventuality. It’s essential to disclose everything about your MS to our travel insurance team to make sure that you are correctly covered.

Travel insurance for people with MS will also take account of equipment you may need for mobility such as walking aids or wheelchairs. You may also travel with other special equipment or medication that requires cover which should be taken into consideration by our travel insurance team.

What are common issues for people with MS getting life insurance?

It’s fair to say that not all multiple sclerosis life insurance applications are simple or straight forward so there can be challenges. We’d like to share some of the common problems that we have to overcome when applying for life insurance with this condition. It’s important to remember that just because you have a medical condition, that shouldn’t mean that you can’t get or can’t afford life insurance.

  • Mobility: People with MS can often use walking aids such as sticks, crutches or chairs depending on their symptoms or type of MS. If you use walking aids then we’ll find the best insurer for you based on the equipment you use and how regularly.
  • Complications: Some of the main difficulties connected to MS that would come upon a life insurance application are problems eating, breathing or memory issues. Again these are all relatively common and shouldn’t stop you from getting cover with the right insurance provider.

If you’ve applied for life insurance in the past and either been declined or told that cover will be unaffordable then speak to us. As specialists, we can provide life insurance cover for many more people than many other insurance companies, and we pride ourselves on going the extra mile for our clients.

List of Multiple Sclerosis (MS) Awareness Events

Many national and international awareness events have been running for some years to help raise awareness and fundraise for MS:

  • MS Awareness Week: is a UK event which is run by UK based MS charities and often run towards the end of April.
  • World MS Day is held on the 30th of May every year.
  • MS Awareness Month: is held in the United States by the Multiple Sclerosis Foundation.

Multiple Sclerosis Charities and Online Resources

There are several major MS charities and non-profit organisations in the UK that help people with MS to manage on a day-to-day basis, as well as provide vital support. As well as the major charities, there are some local MS support facilities which provide treatment for people with MS. Some of the main MS charities and online resources relating to MS in the UK include:

  • MS-UK: Website: Address: Unsworth House, Hythe Quay, Essex, CO2 8JF. Telephone: 0800 783 0518.
  • MS Trust: Website: Address: Spirella Building, Bridge Road, Letchworth Garden City, Hertfordshire, SG6 4ET. Telephone: 0800 032 3839.
  • MS Society: Website: Address: 372 Edgeware Road, London, NW2 6ND. Telephone: 0800 800 8000.

The NHS Choices website contains a lot of useful information relating to Multiple Sclerosis:

We would be delighted to help and to answer any questions that you may have. Please feel free to contact us online or, you can call us on 01244 732890.