Six evidence gaps (the problem)
Structural reasons income-protection claims fail even when the medical story is real — each gap links to ClaimBuddy modules, policy traps, and language-map terms. Hover underlined phrases for quick definitions.
| Gap | Why it matters | ClaimBuddy response |
|---|---|---|
| Claim-process knowledge gap | Notice, forms, complete submission, Date of Absence , and waiting period are different rungs — treated as one. |
Stage the file on a date ladder before you argue the medicine.
|
| Functional evidence gap | Medical records describe the body; policies ask whether you can perform material duties . |
Duty-impact matrix:
symptom
→ blocked duty, not
diagnosis label
s.
|
| Record-control gap | Decisive files sit with HR, payroll, or the insurer's claim file — not with you. |
Name the holder and send the access request; do not wait for rejection.
|
| Timing gap | Employer 'enough' is not insurer 'enough'. Deadlines surface after the clock has started. |
Capture who said what was enough, on which date, under which clause.
|
| Language gap | Everyday, medical, functional, and policy words are treated as synonyms. | |
| Power gap | Insurers run this process every day; you run it once while unwell. |
Same artefacts they use:
chronology
, index,
issue matrix
, numbered pack.
|
See also evidence domains and MVP modules.