You can’t claim disability if you’re forced to stay at home
7 Aug 2020
No-work-no-pay principle doesn’t mean you are disabled and can no longer work
You can only claim for a disability benefit if Covid-19 leaves you disabled as defined by your policy.
Vulnerable employees who have been forced to stay at home and are unable to work are not likely to be able to claim lost income on their group life or individual disability policies unless they meet the definition of being disabled.
This is according to life companies some of which are concerned about an influx of claims on their policies from employees in companies that are enforcing a no-work-no-pay principle during the lockdown.
Elna van Wyk, head of group disability and underwriting at Momentum Corporate, says about 25% of employers who use its employee benefits services asked Momentum to suspend retirement fund contributions to give employers and employees financial relief during the lockdown.