Timing 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.
Why it matters
Employer 'enough' is not insurer 'enough'. Deadlines surface after the clock has started.
What goes wrong
Threshold-shift trap dynamics appear when initiation evidence satisfies the employer but the insurer demands more. Date trap risk spikes when DOA, first notice, waiting-period continuity, and rejection dates are calculated differently across payroll, medical certificates , and insurer emails — often disclosed only after rejection.
ClaimBuddy response
Capture who said what was enough, on which date, under which clause.
Claim tip
Capture every threshold statement in writing: who said what was 'enough', on what date, and under which policy clause. Use contradiction detection and date-trap alerts to flag employer vs insurer standard drift before you rely on verbal assurances.
ClaimBuddy resources
Modules, language-map terms, traps, and related explainers — hover for a quick summary.