Symptom ≠ Functional limitation

Insurers need the second. Symptoms are the raw material.

Symptom

What you feel

Functional limitation

What you cannot do at work because of it

Why this matters for your claim — Medical certificates list symptoms; claim decisions turn on whether those symptoms stop you performing the insured occupation's material duties.

What to capture in ClaimBuddy

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

Name symptoms — Everyday language first (fatigue, brain fog, panic, pain).
Pick functional area — From your occupation map (cognitive, travel, people, physical).
Link symptom to duty — Cannot perform X because of Y.
Repeat for each pair — Every symptom–duty link that matters to your role.

Claim tip

Use format: "Because of [symptom], I cannot [duty]."

Duty link (cognitive): cannot perform client analysis workshops because brain fog and poor concentration.