Library wiki
Specialist-evidence trap
Insurers may reject for absent consultant reports or IME findings without a clear prior request ladder. The fairness of the rejection depends on notice, specificity, and whether occupational duties were correctly described to the assessor.
Where it is defined
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Policy trap
Insurers may reject for absent consultant reports or IME findings without a clear prior request ladder. The fairness of the rejection depends on notice, specificity, and whether occupational duties were correctly described to the assessor.
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Policy trap
Missing specialist evidence is unsafe if you were never told what, why, who obtains it, or who pays.