api/app/policies/baclight/member_policy.rb

class Baclight::MemberPolicy < ApplicationPolicy

  def initialize_dashboard?;   member_rule?; end
  def id_card?;   member_rule?; end
  def plan_benefits?;   member_rule?; end

  def claims?
    user.admin? || 
    (user.member? && record.id == user.keychain[:id]) ||
    (user.carrier? && record.carrier_id == user.keychain[:id])
  end

  private

  def member_rule?
    user.admin? || user.provider? ||
    (user.member? && record.id == user.keychain[:id]) ||
    (user.employer? && record.employer_id == user.keychain[:id]) ||
    (user.broker? && record.broker_id == user.keychain[:id]) ||
    (user.carrier? && record.carrier_id == user.keychain[:id])
  end

end