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• Caffeine & Energy Drinks AU — Drug information (harm reduction) Legal stimulant, included for completeness of use patterns. Sources: https://www.health.gov.au/our-work/drug-help/drug-information, https://www.health.gov.au/our-work/drug-help/drug-information/types-of-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/commonly-used-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/emerging-drugs, https://positivechoices.org.au/drugs-a-z/
• Campral (acamprosate) Clinical atlas — medicine acamprosate · Substance use
• Cannabis AU — Drug information (harm reduction) Includes both recreational and medicinal cannabis (see separate entry). Sources: https://www.health.gov.au/our-work/drug-help/drug-information, https://www.health.gov.au/our-work/drug-help/drug-information/types-of-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/commonly-used-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/emerging-drugs, https://positivechoices.org.au/drugs-a-z/
• Capacity (unaided) Needs definition Referenced on the site but not yet given its own library article.
• Capacity (unaided) vs Performance (with treatment) Confusion pair Income-protection policies usually assess treated performance. Discrimination statutes often look at the unmitigated baseline. Mixing those axes is the mitigated-state trap.
• 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.
• Cardiomyopathy Clinical atlas — condition I42.9 · Cardiovascular
• Care Dependency Grant Social Security Compass For a caregiver of a child with a severe disability who needs full-time care.
• Carer Allowance Social Security Compass Supplementary payment for daily care. Not an income-support pension. Income test (high threshold), no assets test. Can be paid with Carer Payment.
• Carer Payment Social Security Compass Income-support pension for people who cannot work because they provide constant care. Paid at the pension rate. Income and assets tested.
• Carpal tunnel syndrome Clinical atlas — condition G56.0 · Pain & MSK
• CBD oil (prescribed) Clinical atlas — medicine cannabidiol · Other
• CDL (Chronic Disease List) SchemeBook glossary The specific chronic conditions PMB cover extends to.
• Celebrex (celecoxib) Clinical atlas — medicine celecoxib · NSAID
• Centriq Life Insurance Company Limited Life insurer Writer
• Cervical disc disorder with radiculopathy Clinical atlas — condition M50.1 · Pain & MSK
• Cervicalgia (neck pain) Clinical atlas — condition M54.2 · Pain & MSK
• Challenger Life Life insurer Annuities and related life company.
• Child Care Subsidy Social Security Compass Subsidy paid to approved child care services. The percentage and hourly cap depend on family income, hours of recognised activity, and the service type.
• Child Disintegrative Disorder, major childhood depression, or childhood schizophrenia AU — Recognised Disabilities (Carer Allowance) Part 1 — Recognised disabilities — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Child Support Grant Social Security Compass Monthly amount per child under 18 for a primary caregiver who passes the means test. A top-up exists for orphans in kinship care.
• Chromosomal or syndromic conditions with moderate/severe intellectual disability or major physical abnormalities (e.g. Angelman, Prader-Willi, Edwards, Williams, Patau syndromes) AU — Recognised Disabilities (Carer Allowance) Part 1 — Recognised disabilities — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Chronic fatigue syndrome / ME Clinical atlas — condition G93.3 · Other
• Chronic kidney disease Clinical atlas — condition N18.9 · Renal
• Chronic or end-stage organ failure requiring transplant AU — Recognised Disabilities (Carer Allowance) Part 2 — Medical conditions — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Chronic pain syndrome Clinical atlas — condition G89.4 · Pain & MSK
• Chronic respiratory conditions requiring home oxygen, ventilator support, or long-term tracheostomy AU — Recognised Disabilities (Carer Allowance) Part 2 — Medical conditions — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Cilift (citalopram) Clinical atlas — medicine citalopram · SSRI antidepressant
• Cipralex (escitalopram) Clinical atlas — medicine escitalopram · SSRI antidepressant
• Claim rejection SchemeBook glossary A decision not to pay all or part of a claim.
• Claim statement SchemeBook glossary The scheme's record of how it processed a claim.
• Claim-pack generator Module Numbered Markdown pack
• Claim-process knowledge gap Evidence gap Income-protection claims run on a ladder of different thresholds — notice, forms, complete submission, Date of Absence, waiting period, Initial Period, Extended Period, and complaint deadlines are not interchangeable. Claimants are rarely told which rung they are on until something goes wrong.
• ClearView Life Life insurer Retail advice-led life and IP.
• Clientele Life Assurance Co Ltd Life insurer Direct retail life.
• Clinical motivation SchemeBook glossary Information from a clinician explaining why care is medically necessary.
• Clinical protocol SchemeBook glossary The evidence-based steps used to decide how a condition should be treated.
• CMS complaint SchemeBook glossary A formal complaint to the Council for Medical Schemes.
• Co-payment SchemeBook glossary An amount you pay yourself, on top of what the scheme pays.
• Cocaine AU — Drug information (harm reduction) Illicit stimulant. Sources: https://www.health.gov.au/our-work/drug-help/drug-information, https://www.health.gov.au/our-work/drug-help/drug-information/types-of-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/commonly-used-drugs, https://www.health.gov.au/our-work/drug-help/drug-information/emerging-drugs, https://positivechoices.org.au/drugs-a-z/
• Codeine phosphate Clinical atlas — medicine codeine · Opioid analgesic
• COIDA — temporary disablement Social Security Compass No-fault statutory compensation for occupational injury or disease. Temporary total disablement is 75% of earnings, after a three-day waiting period.
• Comedown AU — Drug information glossary Negative after-effects experienced as drugs wear off, including depression, insomnia, tiredness, irritability and anxiety lasting hours to about a day. Source: https://positivechoices.org.au/teachers/glossary
• CommInsure Life insurer CBA life brand; in-force book largely with AIA Australia.
• Concerta (methylphenidate ER) Clinical atlas — medicine methylphenidate · ADHD
• Concussion Clinical atlas — condition S06.0 · Injury
• Condition Language map Neutral umbrella for any diagnosed or reported health issue.
• Condition-specific waiting period SchemeBook glossary A temporary restriction on claims linked to a pre-existing condition.
• Constantia Life Limited Life insurer Writer
• Contribution SchemeBook glossary The regular amount paid to keep membership active.
• COPD Clinical atlas — condition J44.9 · Respiratory
• Coronary artery disease Clinical atlas — condition I25.10 · Cardiovascular
• Cover & eligibility Policy scan Highlighted in uploaded policy wording (Parties & key dates).
• Cover start Language map · Glossary When your group income protection membership or benefit cover began.
• Coverage, exceptions and applicable rules employment-compliance Determine the employee's real rule set before calculating compliance: hours per month, role, annual earnings, bargaining council, sectoral rules, collective agreements and any lawful variation or exclusion.
• COVID-19, unspecified Clinical atlas — condition U07.1 · Infectious
• CR259 — Total under own occupation — employing others to do the labour Ombud precedent Keeping a business alive by substituting other people’s labour is not performing the insured occupation. On the policy definition he was totally and permanently incapacitated. (A separate occupation-change notification clause still mattered for prejudice.)
• CR276 — Partial permanent incapacity — residual other work is not the insured occupation Ombud precedent The sheriff work was not the professional duties he trained for as an attorney, was not full-time, and was only residual income. He could not carry out attorney duties with regularity; a limited, low-stress remnant might remain. Impact was significant but assessed at 20% partial, not a nil claim and not a 50% scaling on the gastroenterologist’s suggestion alone.
• CR351 — Pre-existing exclusion — proximate cause, not every historic diagnosis Ombud precedent The exclusion turns on whether the pre-existing condition caused the claim event, not on whether any old diagnosis exists. Medical evidence at cancer diagnosis recorded no cardiac involvement. Historic disease in the background is not automatically ‘directly or indirectly’ the cause.
• CR356 — Two-limb pre-existing exclusion — look-back and first twelve months Ombud precedent Typical South African group wording is conjunctive. The insurer needed (a) knowledge, diagnosis, treatment or symptoms of the claiming condition in the six months before entry, AND (b) disablement in the first twelve months after entry. Limb (a) was met; limb (b) was not. Symptoms in the look-back do not keep the exclusion alive once disablement falls outside the first year.
• CR403 — Pre-existing condition clause — onus and look-back proof Ombud precedent The insurer must prove, on a balance of probabilities, both that the look-back condition existed in the contractual window and that it caused the disablement. A historic injury and a broad ‘chronic since 2003’ sentence are not enough. First consultation in the file was 8 March 2017; a June 2016 heavy-vehicle medical had given a clean bill of health; the leg weakness the insurer relied on started in 2017, after cover.
• CR72 — Total disability — part-time capacity is not automatically ‘not total’ Ombud precedent The useful question is whether, in normal times and most places, an employer would consider the person capable of playing a worthwhile part in the business — performing the substantial and material clerical duties with reasonable regularity and continuity — and would pay more than a nominal gain. Part-time leftovers are not, by themselves, the occupation.
• Crohn disease Clinical atlas — condition K50.90 · GI
• Cymbalta (duloxetine) Clinical atlas — medicine duloxetine · SNRI antidepressant
• Cystic Fibrosis AU — Recognised Disabilities (Carer Allowance) Part 1 — Recognised disabilities — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities