I score really high on the online tests / quizes. I've reached the grand old age of 50 without a diagnosis and, for me, I think "Why bother?" I'm disorganised and chaotic, but every so often I get hooked on having one thing just so and I'll focus entirely on that and completely ignore all the mess around me. At the moment I have to hang my washing on the line so the items, the colours, the patterns and the pegs are co-ordinated and symmetrical. Whats wrong with that? I'm sure that with a bit of hubris I could declare it a public art intallation and maybe win a prize.
Generally, I've been a fairly high achiever so I've always found ways to mask what's going on for me. I work in an analytical job, where I can indulge my desire for mathematical patterns and, as I get to make maps, I can go to town with presenting information in a highly ordered and symbolic way, which kind of suits me.
Life insurance is just another way for the fat cat bankers to sell you something you don't need and make themselves richer. I don't think a diagnosis would necessarily prevent you from getting insurance, what it would do is give the fat cats another excuse to hike up their premiums and make themselves even richer.
In the UK a diagnosis would give you quite a lot of protection with the Disability Discrimination Act. Employers would have to take this into account in the workplace. The reality is good employers will help, bad employers will find a way out of their responsibilities. Seriously though, job applications can be a nightmare but some companies / organisations have a policy of offering interviews to candidates with disabilities so it could work in your favour. I guess it all depends on what type of career you want and whether you'd rather do stuff entirely for yourself (which is what I've always done) or whether you feel that the world is hard enough anyway so you'll accept what help is on offer.
The important thing is to be yourself and listen to the advice and feedback that people give you. Even when you disagree with what's being said sometimes the best thing to do is nod and "agree". It has sort of worked for me so far, the problem I have is dealing with depression.
Good luck, I hope you find a way through life that suits you.
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