DO NOT GO WITH DISCOVERY INCOME PROTECTOR

i have discovery income protector and i got very sick and was off from end of jan til mid march. Discovery said for me to claim i need to be more than 30 days sick which i was. Income protectors are as my understanding to insure your income. Discovery only wants to pay me out for the march period and not the entire Feb month they just blantly skip it and says there is a 30 day waiting period nonsense. i understand about waiting periods but why not pay me out as promised