The date the policy treats incapacity as having begun — often not the first sick day.
Trap to watch
Date trap — employer, doctor, and insurer frequently pick different dates.
Evidence the workspace should capture
Separate fields for symptom onset, first sick note, your DOA, insurer DOA.
Sentrix Digital, Melbourne · ABN 29 203 554 753. Not medical, legal, or financial advice. Organisation and drafting only. Verify with treating practitioners, the PDS, and the trustee/insurer. Australian complaints: insurer/trustee IDR, then AFCA. · info@sentrixdigital.com · +61 (03) 9088 1341 · Admin login