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Date of Absence recorded (user + insurer if known)

Date of Absence (DOA) is the anchor for waiting-period satisfaction and benefit start. Record the date you stopped performing material duties, note the insurer's stated DOA if known, and flag conflicts early — DOA disputes are a frequent declinature route.

Where it is defined

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