Group cover sits with the employer
Absence registers, payslips, the job specification, and the employer statement are often decisive. The claimant does not hold them. The compiler names who does.
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South Africa
We serve South Africa too. Group income protection, a Date of Absence, an employer who holds the records, and a medical scheme that runs beside the policy — not instead of it.
Why this market
South African income-protection claims fail on paper more often than on medicine. Dates do not line up. ‘Illness’ is written as if it were incapacity. The scheme file and the insurer file are treated as one thing. The National Financial Ombud is the complaint path after internal review — but only if the file can be argued from.
Scheme ≠ policy
CMS medical schemes, PMB, CDL, and DTP are a parallel system. They do not decide disability. Mixing the two languages is a common way a valid claim is refused.
Date of Absence is a legal fact
It is not averaged with the first sick note or the insurer’s own calculation. Conflicts stay visible. That is what the waiting period and the NFO clock run from.
Local system context
Group and individual income protection; disability / lump-sum
Date of Absence (DOA)
POPIA and, where it applies, PAIA
Internal review
National Financial Ombud (NFO)
HPCSA
FSCA
Medical schemes — CMS, PMB, CDL, DTP
ZAR
UIF, sick pay, other IP
Sentrix Digital products in South Africa
Reference intelligence
RiskAtlas
South African reference intelligence.
Open → Medical schemesSchemeBook
Medical-scheme directory and plain-language reference.
Open → ClaimsClaimHub
Live income-protection claims coordination.
Open → Claimant experienceClaimBuddy
Claimant-facing experience inside ClaimHub.
Open → Clinical referenceClinicalAtlas ZA
South African clinical and health-system reference.
Open → Social supportSocial Security Compass ZA
South African grants and support pathways.
Open →