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• TAL Life Life insurer Major group and retail writer. Holds Asteron / Suncorp Life books.
• Temporary disability Needs definition Referenced on the site but not yet given its own library article.
• Temporary/Permanent Incapacity Disability / incapacity Inability to work resulting from an occupational injury or disease, compensated under COIDA as temporary total, temporary partial, or permanent disablement.
• Tennis elbow / lateral epicondylitis Clinical atlas — condition M77.1 · Pain & MSK
• Thoracic back pain Clinical atlas — condition M54.6 · Pain & MSK
• Threshold / standard shift Rejection ground Compare guide/form language to policy test; document any shift from submission standard to rejection standard.
• Threshold-shift trap Policy trap Employers, guides, or claim forms may suggest a lower evidence threshold than the policy test applied later. Insurers sometimes shift from own-occupation to any-occupation reasoning without clear disclosure.
• Timing gap Evidence gap A claim can feel 'started' when an employer accepts a sick note or HR forwards a form — then fail later when the insurer applies a stricter disability test, different Date of Absence, or a deadline you were never shown.
• Topamax (topiramate) Clinical atlas — medicine topiramate · Migraine prophylaxis
• Total disability Needs definition Referenced on the site but not yet given its own library article.
• Total disability vs Partial disability Confusion pair These are policy doors, not medical grades. A serious diagnosis can sit in residual if two days of work continue. A driver who cannot drive can be total under own occupation even if a desk job exists.
• 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.
• Tramadol Clinical atlas — medicine tramadol · Opioid analgesic
• Tramal (tramadol) Clinical atlas — medicine tramadol · Opioid analgesic
• Trepiline (amitriptyline) Clinical atlas — medicine amitriptyline · Tricyclic antidepressant
• Trepiline (low-dose amitriptyline) Clinical atlas — medicine amitriptyline · Pain / sleep adjunct
• Tuberculosis Clinical atlas — condition A15.9 · Infectious
• Type 1 diabetes mellitus Clinical atlas — condition E10.9 · Metabolic
• Type 2 diabetes mellitus Clinical atlas — condition E11.9 · Metabolic