Incapacity
Ongoing inability to perform insured duties under policy rules — not the same as HR sick leave.
Trap to watch
Illness vs incapacity confusion.
Evidence the workspace should capture
Functional-capacity statement mapped to material duties.
Ongoing inability to perform insured duties under policy rules — not the same as HR sick leave.
Illness vs incapacity confusion.
Functional-capacity statement mapped to material duties.
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