Functional evidence gap
Medical records describe what is wrong with the body; disability policies ask whether you can perform material duties . That translation gap is where many technically 'good' files still fail.
Why it matters
Medical records describe the body; policies ask whether you can perform material duties .
What goes wrong
Treating notes may list diagnoses, scripts, and hospital events without connecting symptoms to attendance, cognitive endurance, decision quality, stamina, reliability, treatment side-effects, travel, supervision load, or safety risk. Insurers then apply the diagnosis trap — accepting the label while disputing incapacity for your own occupation .
ClaimBuddy response
Duty-impact matrix: symptom → blocked duty, not diagnosis label s.
Claim tip
Pair every diagnosis with a duty-impact line: which material duties are blocked, how often, and with what work consequences. Use the functional-capacity builder and doctor questionnaire so your practitioner answers the policy test, not just the ICD-10 label.
ClaimBuddy resources
Modules, language-map terms, traps, and related explainers — hover for a quick summary.