Continuous incapacity that must run before benefits start — often measured from Date of Absence.
Trap to watch
Date trap — mixing sick days with DOA resets or fails the period.
Evidence the workspace should capture
Absence records, sick notes covering the full period, 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