Hello, I am new here and am trying to find information about short-term disability insurance for myself. I have had 3 bouts with Optic Neuritis. I finally went to the Ophthalmologist with the third episode and found out that what I was experiencing had a name. From there he sent me to have an MRI and the results of that were multiple lesions that are consistent with MS. From there I have been seen by a Neurologist who specializes in MS, she did a full workup (family history/symptoms/blood work/physical exam), she also sent me for a cervical MRI (which I am told now does not show any lesions). At the visit she told me that she is certain it is MS and told me that she wanted to get me treated asap, but did not give me a clinical diagnosis. I asked her to document the records as only being treated for Optic Neuritis so I could look into getting some kind of short-term disability. She did as I requested and I will be seeing her again in about a month. Since this I have been looking into some policies however, I'm confused. Can I apply to get a policy even though I have been tested and have received findings that are said to be consistent with MS, or since I have had MRI's and such am I just basically screwed for that route? I have not received an documented diagnosis as of thus far and have not received any type of treatment for MS either, not even for the Optic Neuritis. I know that the underwriter can/will pull medical history and I have been told that they may be able to even speak with my Neuro Dr. I obviously do not want to commit fraud but at the same time I do not have a diagnosis so am confused if the testing is something that I have to disclose during the application process. I do not want to pay money only to find out that the policy (if ever claimed) will not pay, nor do I want to waste the time applying if I am going to be rejected anyway; or have them come back and say that I committed insurance fraud. If anyone has any information on this that they are willing to share I would appreciate it. I do not plan on using the policy anytime soon since I am currently in nursing school, but in 5,15,30 years.....well I cannot predict the future.