Sickness ≠ Incapacity

HR may accept sickness while insurer disputes incapacity under policy.

Sickness

Colloquial absence from work

Incapacity

Defined policy concept with date and test consequences

Why this matters for your claim — Employers track sick leave; insurers test whether you are incapacitated for your occupation, when that started (DOA), and whether it continued through the waiting period.

What to capture in ClaimBuddy

Tap a label to open the language-map explainer for that date or concept.

HR sick days — Note each sick day HR recorded — separate from policy incapacity.
Material duties stopped — When duties became impossible — your likely DOA.
Certificate wording — 'Sick' vs 'unfit for occupation'.
Light duty returns — Any return may reset the waiting period.

Claim tip

Do not assume employer sick-note acceptance equals insurer incapacity acceptance.

HR sickness: off 3–10 June with sick note. Policy incapacity: could not perform client workshops from 12 June (DOA).