There are a lot of posts here saying the same thing. I hope someone from Apple has the patience to read this far, because here's the thing people: THIS IS NOT AN APPLE PROBLEM.
It's a technology problem. I ditched my iPhone3 for an iPhone4 because of this problem, and it still persisted. So I ditched Apple altogether and got a Nokia Lumia 820 with Windows 8, and guess what? I still can't swipe when the phone is ringing. All phones use the same technology for recognising touch, and it just doesn't work with some skin types. So why does it only happen when the phone is ringing? Read on...
As the problem only occurs when the phone is ringing, here's a crazy theory:
Different skin types have different electrical properties, such as resistance. This affects how well the screen can recognise your finger. If you've ever taken a polygraph test, you will know that the properties of your skin change according to your stress levels, such as when you are lying. These changes are very small, and almost intantaneous, that's why a polygraph works. If you tense up when the phone rings, and your skin type is already on the boundary of what the screen can recognise, this change in the electrical properties of your skin could be enough to stop it working at all.
People have beaten polygraph tests by deliberately being annoyed throughout the test. This masks the slight changes which the polygraph reads, so we know it changes the properties of your skin.
I don't know if this will work: Just before you try to answer the phone, take a deep breath and try to calm yourself. Some people feel a slight emotional jolt when the phone rings. It's a conditioned response. The age we live in has taught us that we MUST respond quickly to doorbells and phones. That slight boost in adrenaline could be enough to change the properties of your skin. Don't get angry with the phone either. Getting frustrated probably changes your skin's properties in a way that make it worse.
Phone companies cannot reproduce the problem if they don't happen to test with someone who has skin like us. Also they are not answering real calls, so they probably don't get the slight adrenaline boost. They need to invite someone who has the problem to come in and help with testing.
Ideally the whole industry needs to come up with a screen technology that solves this, it's not just Apple.