RCS Credit Insurance claim rejected after loss of income

I have a RSC account which I've been paying monthly. Then a pandemic struck the world and we were placed under National Disaster Management by our President. I am self employed and have been struggling in this economy long before Lockdown and then any ability to earn some money was taken away by the Lockdown and the regulations that were put in place. I have been reliant on my income and my husband's salary. The fact that Lockdown caused my husband's retrenchment and my inability to work due to the regulations in place, I did have in fact had a total loss of income. In March/April I contacted RSC (to no avail as everyone was working remotely). I instituted an Insurance claim because of the loss of income. I emailed as per their request all docs needed (no claim form was ever emailed to me). Then weeks went by where I've had no response (just a generic email saying they are working remotely and will get feedback as soon as possible. In the mean time you get phoned daily by RCS about payment and all the options you could choose from to pay them. I finally spoke to a person in the Insurance claims Department that said he would attend to my claim, and for the first time in months RCS emailed a Claim form to me. I received feedback that my claim is rejected due to "not a total loss of income". The fact that my Credit Protection Insurance claim was rejected due to reason given of "not total loss of income" makes NO SENSE. I call on RCS and the Credit Insurance to re-evaluate my claim as I HAVE suffered a total loss of income. I've corresponded from Lockdown Level 5 via emails, thus I've been upfront in asking for assistance from the get-go. PLEASE ADVISE!!!!