Library wiki
Diagnosis trap
Insurers may accept your ICD-10 code or specialist diagnosis but still dispute incapacity. The policy test is whether symptoms prevent the material duties of your own occupation — not whether a condition name sounds severe on paper.
Where it is defined
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Policy trap
Insurers may accept your ICD-10 code or specialist diagnosis but still dispute incapacity. The policy test is whether symptoms prevent the material duties of your own occupation — not whether a condition name sounds severe on paper.
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Policy trap
A diagnosis label alone does not prove you cannot perform material duties.