Laura Richey of Springfield, Ill., who until late March worked as a driver for Uber and Lyft and fulfilling orders for Instacart, said she tried to qualify for the company’s sick pay after waking up with serious Covid-19 symptoms on March 21, including breathing difficulty. Richey was able to receive a test for the illness, and a doctor instructed her to isolate herself. But she has yet to receive test results, she said, and Instacart has told her she does not qualify for sick pay. Portraits of Laura for The New York Times.