MS is a potentially disabling disease where the immune system attacks the myelin sheath surrounding nerve fibers in the brain and spinal cord, causing communication problems between the brain and body. Symptoms can include numbness, vision problems, pain, and problems with motor functions. While there is no cure, treatments focus on managing symptoms and reducing relapse severity. Diagnosis involves ruling out other conditions through neurological exams and tests like MRI and spinal taps. Treatment involves medications to modify the disease course, steroids for attacks, managing symptoms, rehabilitation, and emotional support. Insurance applications from those with MS may be declined or have loadings added for life cover and disability/critical illness products.