I too wonder why you are not on Medicare, but I know there are sometimes reasons one can't get Medicare Disability payments (Social Security). If you didn't work, or didn't work long enough, or just haven't pushed to get the status from them because it's very hard, or whatever. I had to fight 3 years for Social Security disability. Having an MS diagnosis will not do the trick alone. You already know this. You have to prove you "can't work" regardless of dx. But if there is a possibility of applying, seems now is the time, when you are really down.
I'm so sorry you are struggling like this. So so sorry. Seems no one is paying sufficient attention.