Record-control gap
The records that decide your claim are often held by someone else — employer payroll, HR absence data, insurer claim-file notes, DOA worksheets, and medical-review memoranda may never reach you unless you request them.
Why it matters
Decisive files sit with HR, payroll, or the insurer's claim file — not with you.
What goes wrong
Claimants submit what they personally hold while decisive files sit with the participating employer, policyholder, insurer, or fund administrator. Rejections then cite missing employer statements, incomplete salary proof, undisclosed DOA reasoning, or absent specialist reports the claimant was never told how to obtain.
ClaimBuddy response
Name the holder and send the access request; do not wait for rejection.
Claim tip
For every missing item, name the holder and the legal/policy basis for access. Run the evidence-gap detector , then generate targeted employer and insurer record requests — do not wait for a rejection to discover what they relied on.
ClaimBuddy resources
Modules, language-map terms, traps, and related explainers — hover for a quick summary.