Wiki

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• Date of Absence Language map · Glossary · Policy scan The date incapacity began for policy purposes — often when material duties stopped, not first symptoms.
• Date of Absence Rejection ground Request insurer DOA calculation notes; compare employer date, certificate date, and insurer-stated DOA.
• Date of Absence recorded (user + insurer if known) Glossary Date of Absence (DOA) is the anchor for waiting-period satisfaction and benefit start. Record the date you stopped performing material duties, note the insurer's stated DOA if known, and flag conflicts early — DOA disputes are a frequent declinature route.
• Date trap Policy trap Each date triggers different policy effects — waiting-period satisfaction, late-notice declinature, pre-existing look-back, and rejection timelines. Mixing them in one narrative gives insurers an easy administrative escape.
• Deductions and benefit funds employment-compliance A deduction needs a lawful basis. Damage/loss deductions require additional safeguards, and benefit-fund deductions/contributions need remittance evidence.
• Dependant SchemeBook glossary An eligible person covered under the principal membership.
• Dependence (addiction) AU — Drug information glossary Physical or psychological reliance on drugs from regular use, requiring larger doses for the same effect, often causing school/work problems, lost relationships, homelessness, health issues, and criminal involvement. Source: https://positivechoices.org.au/teachers/glossary
• Depressant drugs AU — Drug information glossary Substances that reduce central nervous system activity, including alcohol, GHB, ketamine, benzodiazepines and opioids. Source: https://positivechoices.org.au/teachers/glossary
• Dermatological conditions — Epidermolysis Bullosa Dystrophica, specific Ectodermal Dysplasias, severe congenital ichthyoses AU — Recognised Disabilities (Carer Allowance) Part 1 — Recognised disabilities — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Designated Service Provider (DSP) SchemeBook glossary The provider your scheme names as the no-extra-cost option.
• Diabetes insipidus Clinical atlas — condition E23.2 · Metabolic
• Diabetes Mellitus Type 1 AU — Recognised Disabilities (Carer Allowance) Part 2 — Medical conditions — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• Diagnosis Language map The medical label a doctor assigns — a name for what they think you have.
• Diagnosis trap 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.
• Diagnosis vs Disability Confusion pair A serious diagnosis does not automatically win; a modest diagnosis can still support disability if duties are impossible.
• Disability Language map · Glossary Policy-defined inability to meet the insured disability test — not a medical opinion.
• Disability Disability / incapacity A physical/mental condition limiting activities; lack of ability; a handicap preventing normal life or work.
• Disability Disability / incapacity A biological defect, pathology, or bodily system failure requiring treatment/cure.
• Disability Disability / incapacity Disadvantage imposed by societal barriers excluding people with impairments.
• Disability Disability / incapacity Umbrella term for impairments, activity limitations, and participation restrictions.
• Disability Disability / incapacity Impairment substantially limiting one or more major life activities; or a record of, or being regarded as having, such an impairment.
• Disability Disability / incapacity Physical/mental impairment with a substantial, long-term negative effect on normal daily activities.
• Disability Disability / incapacity Total/partial loss of bodily/mental functions; loss of a body part; presence of disease organisms in the body.
• Disability Disability / incapacity Long-term or recurring physical or mental impairment that substantially limits prospects of entry into, or advancement in, employment.
• Disability Disability / incapacity Inability to perform the material and substantial duties of one's own occupation (or, later, any occupation for which reasonably suited), triggering income-replacement benefits.
• Disability Disability / incapacity Physical or mental incapacity of a member which is likely to prevent them from following their normal occupation (or a comparable one) for a period exceeding a fund-specified minimum.
• Disability Disability / incapacity Long-term impairments interacting with barriers that hinder full/equal participation.
• Disability Disability / incapacity Inability to work, triggering income-replacement benefits.
• Disability Disability / incapacity Inability to engage in "Substantial Gainful Activity" (SGA) due to a medically determinable impairment.
• Disability Disability / incapacity (See Biopsychosocial and Social model entries above)
• Disability (policy) Needs definition Referenced on the site but not yet given its own library article.
• Disability / Disablement Disability / incapacity Permanent or temporary reduction in earning capacity resulting from an occupational injury or disease.
• Disability Grant Social Security Compass Monthly social assistance for people aged 18–59 whose disability is assessed as lasting six months or more. Not a private disability policy.
• Disability Support Pension Social Security Compass Pension for people with a permanent disability that attracts 20 points under the Impairment Tables and prevents working 15 hours a week in the next two years, subject to means tests. Adult rate matches the Age Pension.
• Disablement Glossary The process or state of becoming unable to function as before — in COIDA and some funds a rated percentage; in everyday talk a gradual collapse of capacity.
• Disablement Disability / incapacity The state or process of being disabled; the act of making a person or device inoperative.
• Disablement Disability / incapacity The pathological outcome of injury/disease.
• Disablement Disability / incapacity The active process of being marginalized by societal structures.
• Disablement Disability / incapacity (Police/employment law) Being blind, deaf, or permanently handicapped.
• Disablement Disability / incapacity (Not a defined statutory term)
• Disablement Disability / incapacity (Not a separately defined statutory term; "disability" is the operative term)
• Disablement Disability / incapacity (Not used)
• Disablement Disability / incapacity The specific event/claim triggering a payout.
• Disablement Disability / incapacity (Not a separate term)
• Disablement Disability / incapacity A metric of functional capacity loss; the process of exclusion.
• Discovery Life Limited Life insurer Large retail and group IP writer.
• Document vault Module Inbox / classify / store
• Dorsalgia, unspecified Clinical atlas — condition M54.9 · Pain & MSK
• Dotsure Life Limited Life insurer Writer
• Down syndrome AU — Recognised Disabilities (Carer Allowance) Part 1 — Recognised disabilities — https://www.dss.gov.au/income-support-payments/guide-list-recognised-disabilities
• DTP (Diagnosis Treatment Pair) SchemeBook glossary The government-set minimum treatment standard for a CDL condition.
• Dysthymic disorder / persistent depressive disorder Clinical atlas — condition F34.1 · Mental health