Load-bearing assumption — pending counsel
The entire Claude footprint rests on the position that LIFE Brokerage handles no HIPAA-regulated PHI in its life business (life = excepted benefit; the firm is not a covered entity or business associate). The one provider-origin dataset — the Attending Physician Statement — stays on Microsoft Copilot regardless. If this position fails, Cases 1 & 2 (connectors that read the document store) become the exposure path and require APS segregation first.