Sentrix Digital riskatlas.com.au Library

Sentrix Digital · Australia · income protection

Library

Language, traps, workflow, and IP directories — the catalogue the compiler reads on The File. Government social support (conditions and rates) lives in Social Security Compass, not here. ClinicalAtlas AU is the same template as ZA; Australian data ingestion is forthcoming.

Index

Wiki

Every defined term, plus names that are referenced on the site but not yet given their own article. Rebuilds from the Library as sources grow.

AFCA · both jurisdictions

Ombud guidance

NFO case reports and AFCA approach documents on total vs partial disability and pre-existing exclusions — with interactive sketches on the language map.

Income protection

Language map

20 terms · 4 lanes · confusion pairs (illness ≠ incapacity, diagnosis ≠ disability).

Income protection

Disability and incapacity

How the same words are used in everyday talk, medicine, employment law, COIDA, and income-protection policies — including treated vs untreated function.

Income protection

Glossary

Policy terms, traps, doctor-test questions, readiness checklist — every entry cross-linked.

Income protection

Policy traps

11 named failure modes with language-term and module xrefs.

Income protection

Evidence gaps

Who holds the record, why it sinks a valid claim. AU files also look for PDS, trustee file, WorkCover.

Income protection

Policy terms

Scan concepts the compiler highlights on uploaded wording.

Income protection

Claim workflow

IDR then AFCA — stages from first symptoms through dispute and record access.

Directory · AU

AFCA / disputes

IDR first (RG 271), then AFCA. Seven-step process, life insurance and insurance in super, published stats.

Directory · AU

Life insurers

31 writers, brands, and reinsurers commonly seen on IP / TPD files. APRA register recorded on Core AU.

Directory · AU

Super funds

19 APRA-regulated funds that typically hold group IP/TPD. The trustee is a second decision-maker.

AustralianSuper · Australian Retirement Trust · REST Super · Hostplus · HESTA · Cbus · UniSuper · Aware Super · …

RiskAtlas · AU

ClinicalAtlas AU

Australian template — ICD-10-AM, PBS, TGA, AHPRA, private health funds. Data ingestion forthcoming.

ZA only

Clinical Atlas (South Africa)

ZA source material, still readable from an Australian library session.

State social security

Social Security Compass

Government support — SASSA, UIF, COIDA, Centrelink, Medicare — conditions and rates. Private insurance is a different contract.

Sentrix Digital, Melbourne · ABN 29 203 554 753. Not medical, legal, or financial advice. Organisation and drafting only. Verify with treating practitioners, the PDS, and the trustee/insurer. Australian complaints: insurer/trustee IDR, then AFCA. · info@sentrixdigital.com · +61 (03) 9088 1341 · Admin login