And while employers have largely asked employees whose jobs can be conducted remotely to work from home, not everyone has that luxury. For instance, many restaurants and bars are closing indefinitely, leaving thousands, if not millions, of service workers on unpaid leave or even out of a job completely.
"There is no specific exclusion for coronavirus, but whether you're covered or not will be dependent on: What are the duties of your occupation? And if you contract the coronavirus, how does it affect your ability to complete those duties?" Mancuso explained. Disability insurance policies have an elimination period — sometimes called a waiting period — which is how long you have to wait before your benefits will start paying out. It's like a deductible on your health insurance or auto policy, but instead of money, it's time. Typical elimination periods range from 30 to 90 days. If your disability is going to last longer than your elimination period, as determined by your doctor, then you may qualify for benefits.
However, it's not as easy in the age of coronavirus to visit a hospital or doctor's office, and the US is facing aas it is. In a widespread effort to "flatten the curve" — or reduce the number of people who are sick at the peak of the virus' spread — local and state governments are encouraging people to hunker down at home for the foreseeable future.virtual appointment
is a way to do that," Mancuso said. "As long as the doctor's note says that the insured is too sick to perform the duties of their job, they may not need a specific COVID-19 test to file a disability insurance claim, but it definitely wouldn't hurt."
Very usefu article
How does one acquire a doctor's note, if there aren't enough doctors available to write such a note? They're kind of busy right now.
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