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Policy Period & Backdate - Coggle Diagram
Policy Period & Backdate
A) Policy Period Date Validations & Backdate Rules
A1) New Business — Backdated Effective Start Handling
Goal
If the user moves "Policy Period From" within the allowed backdate limit, the Effective Start should auto‑backdate to the same date and be locked.
Flow
"Policy Period From" is auto‑populated.
User changes "Policy Period From" (within max backdate days).
System sets "Effective Start Date" = "Policy Period From".
"Effective Start Date" field is disabled (not editable for New Business).
Guardrails
If user tries to edit Effective Start: not allowed (field disabled).
If "Policy Period From" exceeds allowed backdate limit: show friendly validation and block save.
A2) Renewal — Backdated Effective Start Handling
Goal
Renewal should roll forward cleanly; dates are system‑driven and locked.
Flow
"Period From" auto‑populates as (previous policy "Period To" + 1 day).
Effective Start Date = Period From (exact same date).
User cannot edit "Effective Start Date" or "Period From".
Note
Backdate validation applies to the transaction date (not user‑editable dates here).
A3) Endorsement — Backdated Effective Start Handling
Goal
"Period From" is fixed for the endorsement, but Effective Start can be adjusted within rules.
Flow
"Period From" auto‑populates and is NOT editable.
User CAN edit "Effective Start Date".
Apply backdate rules to the edited Effective Start:
• If within allowed backdate: accept and continue.
• If beyond allowed backdate: block with clear message.
A4) Quotation → Policy Conversion — Backdate Allowed / Not Allowed
Context
On conversion, obey the product’s backdate config (Allowed? Max days?).
Example Setup
Quotation issued: 25 Jun 2025
Quotation period: 25 Jun 2025 → 24 Jun 2026
Conversion attempted: 02 Jul 2025 (7 days after period start)
A4.1) Backdating Allowed (e.g., Allowed = Yes, Max = 20 days)
System compares today (02 Jul) vs quotation start (25 Jun) = 7 days.
7 ≤ 20 → Proceed.
Policy Effective Date set to 25 Jun 2025.
Still honor other validations (e.g., open financial period).
A4.2) Backdating NOT Allowed (Allowed = No)
Quotation start is in the past vs today.
Block conversion.
Show: "Cannot proceed. The selected product does not allow backdating."
B) Financial Period Validation (Proposal & Policy lifecycle)
B1) Closed / Temporarily Closed Financial Period
Applies To
Creating a policy
Managing policy details
Completing / Examining / Authorizing
Any policy‑related transaction
Rule
If the selected Effective Start Date OR the relevant Transaction Date falls in a CLOSED or TEMP‑CLOSED financial period → block.
Message
"Action not allowed. The selected date falls within a closed financial period."
Notes (human tips)
Keep the message plain and actionable.
If user has permissions to request a reopen, suggest next step (optional).
B2) Reopened Financial Period — Backdated Creation Still Blocked
Context
A financial period was TEMP‑CLOSED earlier and is now reopened to OPEN.
Rule
When creating a BACKDATED policy whose Effective Start falls in that previously closed period → STILL block creation.
Message
"Backdated policy creation is not allowed in previously closed financial periods."
Rationale
Prevents retroactive manipulation even if the period is reopened for other operations.
Cross‑Cutting Behaviors & Edge Cases
Validation Order (recommended)
1) Product backdate configuration (Allowed? Max days?)
2) Backdate difference vs today (if applicable)
3) Financial period state (Closed/Temp‑Closed/Reopened rules)
Usability Touches
Keep disabled fields visibly disabled (greyed, with tooltip “System controlled”).
Use clear, human messages (avoid codes).
Show exactly which date caused the block and why.
Audit / Logs
Log date inputs, computed differences, and the exact reason when blocking.
Capture the product config snapshot used for the decision.
Examples (quick checks)
New Biz: Edit "Policy Period From" by 10 days (Max=15) → Effective Start snaps to same date and locks.
Renewal: User tries to change "Period From" → not allowed.
Endorsement: User edits Effective Start by 25 days (Max=20) → block with backdate message.
Convert Quote (Allowed=No) → block with backdating not allowed message.
Any save with date inside closed period → block with financial period message.