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.
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 jurisdictionsOmbud 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 protectionLanguage map
20 terms · 4 lanes · confusion pairs (illness ≠ incapacity, diagnosis ≠ disability).
Income protectionDisability 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 protectionGlossary
Policy terms, traps, doctor-test questions, readiness checklist — every entry cross-linked.
Income protectionPolicy traps
11 named failure modes with language-term and module xrefs.
Income protectionEvidence gaps
Who holds the record, why it sinks a valid claim. AU files also look for PDS, trustee file, WorkCover.
Income protectionPolicy terms
Scan concepts the compiler highlights on uploaded wording.
Income protectionClaim workflow
IDR then AFCA — stages from first symptoms through dispute and record access.
Directory · AUAFCA / disputes
IDR first (RG 271), then AFCA. Seven-step process, life insurance and insurance in super, published stats.
Directory · AULife insurers
31 writers, brands, and reinsurers commonly seen on IP / TPD files. APRA register recorded on Core 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 · …
ClinicalAtlas AU
Australian template — ICD-10-AM, PBS, TGA, AHPRA, private health funds. Data ingestion forthcoming.
ZA onlyClinical Atlas (South Africa)
ZA source material, still readable from an Australian library session.
State social securitySocial Security Compass
Government support — SASSA, UIF, COIDA, Centrelink, Medicare — conditions and rates. Private insurance is a different contract.