You can’t claim disability if you’re forced to stay at home

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South Africa Headlines News

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.

Van Wyk says while many employees in the “high risk category” – people over the age of 60 years and/or with pre-existing conditions such as diabetes and hypertension – can continue to work from home and not go to work, there are many industries and professions like the mining industry, hospitals, nurses and retail workers where this isn’t an option.

In group life policies, disability is defined in terms of your ability to do your own or any reasonable occupation.

 

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