Library wiki
Threshold-shift 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.
Where it is defined
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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.
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Policy trap
The standard at submission may be broader than the standard applied at rejection.