Sentrix Digital · Library · Wiki
Wiki
A live index of what the Library already holds — language, glossary, traps, gaps, workflow, clinical atlas, Compass programmes, news — plus names that are referenced on the site but do not yet have their own article. It rebuilds from those sources; new terms appear here when they are added.
469 defined · 15 need definition · 484 total · showing 27
All A B C D E F G H I J L M N O P Q R S T U V W X Y Z
All kinds Claim workflow (9) Clinical atlas — condition (106) Clinical atlas — medicine (87) Confusion pair (11) Disability / incapacity (33) Dispute hub (2) Evidence gap (6) Glossary (27) Language map (20) Life insurer (85) Module (8) Needs definition (15) News (3) Ombud guidance (4) Ombud precedent (9) Policy scan (12) Policy trap (11) Rejection ground (12) Social Security Compass (36)
C
- Capacity vs performance Glossary WHO-ICF: capacity is what you can do unaided in a standard setting; performance is what you actually do with treatment, aids, and environment.
- Cover start Language map · Glossary When your group income protection membership or benefit cover began.
D
- Date of Absence Language map · Glossary · Policy scan The date incapacity began for policy purposes — often when material duties stopped, not first symptoms.
- Date of Absence recorded (user + insurer if known) Glossary 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.
- Disability Language map · Glossary Policy-defined inability to meet the insured disability test — not a medical opinion.
- Disablement Glossary The process or state of becoming unable to function as before — in COIDA and some funds a rated percentage; in everyday talk a gradual collapse of capacity.
E
- Employer/insurer record requests planned if needed Glossary Many decisive records — payroll, absence registers, claim-file notes, policy schedules — are controlled by employers or insurers. At rejection or review stages, readiness means record-access requests are planned or underway when gaps are not yours to fill alone.
F
- First notice date and proof identified Glossary Policies set notice time limits from first incapacity or first absence. Readiness means you know the date notice was given, can point to proof (email, claim form, HR ticket, call reference), and understand how that date relates to DOA and late-notice clauses.
H
- How does illness affect work function? Glossary A diagnosis label does not prove incapacity — the policy test is work-function impact. Your doctor should connect symptoms and treatment effects to concrete limits: attendance reliability, sustained concentration, decision quality under pressure, physical stamina, treatment side-effects, travel tolerance, supervision capacity, and error or safety risk.
I
- Incapacity Language map · Glossary Unable to work (or meet earnings) as defined by the policy — close cousin to disability.
M
- Material duties described (not job title only) Glossary Material duties are the substantive tasks that define whether you can perform your occupation. A title-only description invites the job-title trap. Readiness means core duties are written out so medical and functional evidence can map symptoms to real work demands.
O
- Own occupation Language map · Glossary Policy test: cannot perform material duties of the job you actually do.
- Own-occupation / Initial Period test noted Glossary Own-occupation cover during the Initial Period tests incapacity against your actual insured occupation. Readiness means the policy test is identified, your occupation is described beyond a generic title, and you understand when the standard may shift to any-occupation in the Extended Period.
P
- Proof-of-claim checklist started Glossary Policies impose proof-of-claim duties: prescribed forms, medical evidence, employer statements, and supporting documents within time limits. Readiness means you have a claim reference or active checklist tracking what is submitted, outstanding, and who holds each item.
R
- Review / ombud deadline tracked Glossary After rejection, internal review and ombud complaint routes have strict deadlines. Readiness means review and ombud dates are recorded, diarised, and linked to the grounds you will raise — not left to memory once the rejection letter arrives.
T
- Total vs partial disability Language map · Glossary Two policy doors, not two medical grades: total usually means you cannot perform the insured occupation; partial (residual) means some work continues and earnings or hours have dropped.
W
- Waiting period Language map · Glossary · Claim workflow · Policy scan Deferred or elimination period — continuous absence/incapacity before benefits start.
- Waiting period identified and continuity evidence planned Glossary Group income protection usually requires a defined waiting period before benefit starts. Readiness means you know the period in days, understand that continuity of incapacity must be proved for every day in it, and have planned aligned medical certificates, leave records, and payroll evidence.
- Was incapacity continuous through waiting period? Glossary Waiting-period satisfaction is often decided on continuity of incapacity, not just the first sick note. Gaps between medical certificates, return-to-work days, or employer records that show attendance can defeat cover even when symptoms continued. Evidence must cover every part of the waiting period.
- What are the material duties? Glossary Material duties are the substantive tasks that define whether you can perform your occupation — not every incidental admin task. Your doctor should explain which core duties are affected, why failure in those duties matters clinically, and whether partial performance is realistic or unsafe.
- What evidence is missing? Glossary Rejections often cite missing evidence without a structured gap list. Separating what is missing by domain — medical, occupational, employer-controlled, salary-related, policy-related, or claim-file-related — turns a vague declinature into actionable requests.
- What is the insurer's actual reason? Glossary Rejection letters often blend several grounds in narrative prose. Restating the insurer's actual reason as discrete issue cards — late submission, no disability, pre-existing, missing evidence, non-disclosure, exclusion, offset, admin defect — lets your doctor and adviser respond point by point.
- What is the relevant occupation? Glossary Insurers assess incapacity against your insured occupation as actually performed: contract terms, job description, utilisation, client obligations, supervision duties, site travel, safety responsibilities, and sustained cognitive load. A narrow title-based assessment is a common reason own-occupation cover fails.
- What medical events changed capacity? Glossary Insurers and doctors often talk past each other when the timeline is vague. A clear chronology links symptom onset, deterioration, treatment response, medication changes, hospital admissions, specialist findings, and prognosis to the dates you stopped performing material duties.
- What would cure the issue? Glossary Every insurer issue should have a cure path — not just complaint. That may mean specific record requests, doctor questions tied to material duties, occupational evidence, corrected dates, challenging guide-vs-policy wording drift, or escalating for disclosure when files are withheld.
- Which test applies now? Glossary Policies rarely use one disability standard for the whole claim. The Initial Period may test own occupation while the Extended Period switches to any occupation, partial capacity, or permanent thresholds. Your doctor should answer against the test that applies on the dates you were absent — not a generic 'can you work somewhere' question.
- Who controls the missing evidence? Glossary Not every gap is your fault to fix. Employer payroll, HR absence records, fund-admin policy schedules, and insurer claim files sit with third parties. Naming who controls each missing item supports fair record-access requests and challenges unfair 'claimant failed to prove' wording.