feat: add license activation system with feature gates

- License key generator tool at ~/Desktop/LicenseGenerator
- Backend validator route (GET /api/license/status, POST /api/license/activate)
- Activation page in sidebar with status, key input, and free/premium feature list
- useLicense hook for frontend license state
- Feature gates: premium eligibility buttons (DDMA, DeltaIns, Tufts, United, CCA) disabled without license
- Feature gates: premium claim buttons (CCA, Delta MA, United, Tufts) and all PreAuth buttons disabled without license
- Free features always active: MassHealth eligibility/claim, Documents, Payments, Backups, Reports
- README: license key generator usage instructions

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

README.md

@@ -387,6 +387,47 @@ Each office runs its own `cloudflared` tunnel on its own PC. Ports never conflic
 
 ---
 
+## License Key Generator
+
+The license key generator is a private tool that lives only on your dev PC. Use it to generate a new license key for any office every 3 months.
+
+**Location:** `/home/ff/Desktop/LicenseGenerator/`
+
+**Generate a 3-month key (default):**
+```bash
+node /home/ff/Desktop/LicenseGenerator/generate-license.js
+```
+
+**Generate a key with a custom duration:**
+```bash
+node /home/ff/Desktop/LicenseGenerator/generate-license.js --months=6
+```
+
+**Example output:**
+```
+=== Dental App License Key ===
+
+License Key: DENTAL-8ED7AAEF3E0CA008D98CC1E0-2026-08-26
+Expires:     2026-08-26
+Duration:    3 month(s)
+
+Paste this key into the Activation page in the app.
+```
+
+**Workflow:**
+1. Office pays renewal fee
+2. Run the generator script above
+3. Copy the License Key
+4. Paste it into the **Activation** page in the app (via RustDesk or in person)
+5. Record the key, office name, expiry, and payment in your records
+
+**Important — `secret.key`:**
+- `/home/ff/Desktop/LicenseGenerator/secret.key` is the private secret used to sign all keys
+- Back it up on a USB drive or password manager
+- If lost, all existing keys become invalid and new keys must be issued to all offices
+
+---
+
 ## Claude Code Memory
 
 Claude Code (the AI assistant used to build this project) stores its memory locally on the PC. This memory contains project context, architecture decisions, feature history, and working preferences — allowing Claude to pick up where it left off in new sessions.

apps/Backend/.env

@@ -1,6 +1,7 @@
 NODE_ENV="development"
 HOST=0.0.0.0
 PORT=5000
+CLOUDFLARE_HOST=communitydentistsoflowell.mydentalofficemanagement.com
 FRONTEND_URLS=http://localhost:3000,http://communitydentistsoflowell.mydentalofficemanagement.com,https://communitydentistsoflowell.mydentalofficemanagement.com
 SELENIUM_AGENT_BASE_URL=http://localhost:5002
 JWT_SECRET = 'dentalsecret'
@@ -8,4 +9,5 @@ DB_HOST=localhost
 DB_USER=postgres
 DB_PASSWORD=mypassword
 DB_NAME=dentalapp
-DATABASE_URL=postgresql://postgres:mypassword@localhost:5432/dentalapp
+DATABASE_URL=postgresql://postgres:mypassword@localhost:5432/dentalapp
+LICENSE_SECRET=3aa4ab937e46c6863b9e3c2b591a595b31ea3af1060bf5e7961ad722a8b54f92

apps/Backend/src/routes/index.ts

@@ -39,6 +39,7 @@ import insuranceContactsRoutes from "./insurance-contacts";
 import commissionsRoutes from "./commissions";
 import shoppingVendorsRoutes from "./shopping-vendors";
 import feeScheduleRoutes from "./feeSchedule";
+import licenseRoutes from "./license";
 
 const router = Router();
 
@@ -82,5 +83,6 @@ router.use("/insurance-contacts", insuranceContactsRoutes);
 router.use("/commissions", commissionsRoutes);
 router.use("/shopping-vendors", shoppingVendorsRoutes);
 router.use("/fee-schedule", feeScheduleRoutes);
+router.use("/license", licenseRoutes);
 
 export default router;

apps/Backend/src/routes/license.ts

@@ -0,0 +1,97 @@
+import { Router } from "express";
+import crypto from "crypto";
+import fs from "fs";
+import path from "path";
+
+const router = Router();
+
+const LICENSE_FILE = path.join(process.cwd(), "license.json");
+const SECRET = process.env.LICENSE_SECRET || "";
+
+function validateKey(key: string): { valid: boolean; expiry?: string; error?: string } {
+  // Format: DENTAL-{24-char-signature}-{YYYY-MM-DD}
+  const parts = key.trim().split("-");
+  if (parts.length !== 6 || parts[0] !== "DENTAL") {
+    return { valid: false, error: "Invalid license key format" };
+  }
+
+  const signature = parts[1];
+  const expiryStr = `${parts[2]}-${parts[3]}-${parts[4]}`;
+
+  // Verify signature
+  const payload = `DENTAL:${expiryStr}`;
+  const expectedSig = crypto
+    .createHmac("sha256", SECRET)
+    .update(payload)
+    .digest("hex")
+    .substring(0, 24)
+    .toUpperCase();
+
+  if (signature !== expectedSig) {
+    return { valid: false, error: "Invalid license key" };
+  }
+
+  // Check expiry
+  const expiry = new Date(expiryStr);
+  if (isNaN(expiry.getTime())) {
+    return { valid: false, error: "Invalid expiry date in key" };
+  }
+
+  if (new Date() > expiry) {
+    return { valid: false, expiry: expiryStr, error: "License key has expired" };
+  }
+
+  return { valid: true, expiry: expiryStr };
+}
+
+function loadLicense(): { key: string; expiry: string } | null {
+  try {
+    if (!fs.existsSync(LICENSE_FILE)) return null;
+    return JSON.parse(fs.readFileSync(LICENSE_FILE, "utf8"));
+  } catch {
+    return null;
+  }
+}
+
+function saveLicense(key: string, expiry: string) {
+  fs.writeFileSync(LICENSE_FILE, JSON.stringify({ key, expiry }, null, 2));
+}
+
+// GET /api/license/status
+router.get("/status", (req, res) => {
+  const stored = loadLicense();
+  if (!stored) {
+    return res.json({ activated: false, expired: false, expiry: null, daysLeft: null });
+  }
+
+  const result = validateKey(stored.key);
+  if (!result.valid && result.expiry) {
+    return res.json({ activated: true, expired: true, expiry: stored.expiry, daysLeft: 0 });
+  }
+  if (!result.valid) {
+    return res.json({ activated: false, expired: false, expiry: null, daysLeft: null });
+  }
+
+  const expiry = new Date(stored.expiry);
+  const daysLeft = Math.ceil((expiry.getTime() - Date.now()) / (1000 * 60 * 60 * 24));
+
+  return res.json({ activated: true, expired: false, expiry: stored.expiry, daysLeft });
+});
+
+// POST /api/license/activate
+router.post("/activate", (req, res) => {
+  const { key } = req.body;
+  if (!key) {
+    return res.status(400).json({ error: "License key is required" });
+  }
+
+  const result = validateKey(key);
+  if (!result.valid) {
+    return res.status(400).json({ error: result.error });
+  }
+
+  saveLicense(key.trim(), result.expiry!);
+  return res.json({ success: true, expiry: result.expiry });
+});
+
+export default router;

apps/Frontend/src/App.tsx

@@ -31,6 +31,7 @@ const JobMonitorPage = lazy(() => import("./pages/job-monitor-page"));
 const ChartPage = lazy(() => import("./pages/chart-page"));
 const DentalShoppingSearchTagPage = lazy(() => import("./pages/dental-shopping-search-tag-page"));
 const DentalShoppingLoginInfoPage = lazy(() => import("./pages/dental-shopping-login-info-page"));
+const ActivationPage = lazy(() => import("./pages/activation-page"));
 const NotFound = lazy(() => import("./pages/not-found"));
 
 function Router() {
@@ -65,6 +66,7 @@ function Router() {
       <ProtectedRoute path="/cloud-storage" component={() => <CloudStoragePage />} />
       <ProtectedRoute path="/dental-shopping/search-tag" component={() => <DentalShoppingSearchTagPage />} />
       <ProtectedRoute path="/dental-shopping/login-info" component={() => <DentalShoppingLoginInfoPage />} />
+      <ProtectedRoute path="/activation" component={() => <ActivationPage />} adminOnly />
       <ProtectedRoute
         path="/job-monitor"
         component={() => <JobMonitorPage />}

apps/Frontend/src/components/claims/claim-form.tsx

@@ -93,6 +93,7 @@ interface ClaimFormProps {
   onHandleForUnitedDHSeleniumClaim: (data: ClaimFormData) => void;
   onHandleForTuftsSCOSeleniumClaim: (data: ClaimFormData) => void;
   onClose: () => void;
+  isLicensed?: boolean;
 }
 
 export function ClaimForm({
@@ -111,6 +112,7 @@ export function ClaimForm({
   onHandleForTuftsSCOSeleniumClaim,
   onSubmit,
   onClose,
+  isLicensed = false,
 }: ClaimFormProps) {
   const { toast } = useToast();
   const { user } = useAuth();
@@ -2196,24 +2198,32 @@ export function ClaimForm({
                       <Button
                         className="w-32 bg-blue-600 hover:bg-blue-700 text-white"
                         onClick={() => runWithPriceCheck(handleCCAClaim)}
+                        disabled={!isLicensed}
+                        title={!isLicensed ? "License required" : undefined}
                       >
                         CCA Claim
                       </Button>
                       <Button
                         className="w-36 bg-violet-600 hover:bg-violet-700 text-white"
                         onClick={() => runWithPriceCheck(handleDDMAClaim)}
+                        disabled={!isLicensed}
+                        title={!isLicensed ? "License required" : undefined}
                       >
                         Delta MA Claim
                       </Button>
                       <Button
                         className="w-44 bg-orange-600 hover:bg-orange-700 text-white"
                         onClick={() => runWithPriceCheck(handleUnitedDHClaim)}
+                        disabled={!isLicensed}
+                        title={!isLicensed ? "License required" : undefined}
                       >
                         United/DentalHub Claim
                       </Button>
                       <Button
                         className="w-32 bg-teal-600 hover:bg-teal-700 text-white"
                         onClick={() => runWithPriceCheck(handleTuftsSCOClaim)}
+                        disabled={!isLicensed}
+                        title={!isLicensed ? "License required" : undefined}
                       >
                         Tufts Claim
                       </Button>
@@ -2723,24 +2733,32 @@ export function ClaimForm({
                     <Button
                       className="w-32 bg-blue-600 hover:bg-blue-700 text-white"
                       onClick={() => handleMHPreAuth()}
+                      disabled={!isLicensed}
+                      title={!isLicensed ? "License required" : undefined}
                     >
                       MH PreAuth
                     </Button>
                     <Button
                       className="w-32 bg-blue-600 hover:bg-blue-700 text-white"
                       onClick={handleCCAPreAuth}
+                      disabled={!isLicensed}
+                      title={!isLicensed ? "License required" : undefined}
                     >
                       CCA PreAuth
                     </Button>
                     <Button
                       className="w-44"
                       variant="secondary"
+                      disabled={!isLicensed}
+                      title={!isLicensed ? "License required" : undefined}
                     >
                       United/DentalHub PreAuth
                     </Button>
                     <Button
                       className="w-32"
                       variant="secondary"
+                      disabled={!isLicensed}
+                      title={!isLicensed ? "License required" : undefined}
                     >
                       Tufts PreAuth
                     </Button>

apps/Frontend/src/components/layout/sidebar.tsx

@@ -186,6 +186,12 @@ export function Sidebar() {
           },
         ],
       },
+      {
+        name: "Activation",
+        path: "/activation",
+        icon: <KeyRound className="h-5 w-5 text-amber-500" />,
+        adminOnly: true,
+      },
       {
         name: "Database Management",
         path: "/database-management",

apps/Frontend/src/hooks/use-license.ts

@@ -0,0 +1,24 @@
+import { useQuery } from "@tanstack/react-query";
+import { apiRequest } from "@/lib/queryClient";
+
+interface LicenseStatus {
+  activated: boolean;
+  expired: boolean;
+  expiry: string | null;
+  daysLeft: number | null;
+}
+
+export function useLicense() {
+  const { data, isLoading } = useQuery<LicenseStatus>({
+    queryKey: ["/api/license/status"],
+    queryFn: async () => {
+      const res = await apiRequest("GET", "/api/license/status");
+      return res.json();
+    },
+    staleTime: 1000 * 60 * 5, // cache for 5 minutes
+  });
+
+  const isLicensed = !isLoading && !!data?.activated && !data?.expired;
+
+  return { isLicensed, isLoading, licenseData: data };
+}

apps/Frontend/src/pages/activation-page.tsx

@@ -0,0 +1,184 @@
+import { useState } from "react";
+import { useQuery, useMutation } from "@tanstack/react-query";
+import { apiRequest, queryClient } from "@/lib/queryClient";
+import { Card, CardContent, CardHeader, CardTitle } from "@/components/ui/card";
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { useToast } from "@/hooks/use-toast";
+import { KeyRound, CheckCircle2, XCircle, AlertCircle, Shield, ShieldOff } from "lucide-react";
+import { cn } from "@/lib/utils";
+
+export default function ActivationPage() {
+  const { toast } = useToast();
+  const [keyInput, setKeyInput] = useState("");
+
+  const { data: status, isLoading } = useQuery({
+    queryKey: ["/api/license/status"],
+    queryFn: async () => {
+      const res = await apiRequest("GET", "/api/license/status");
+      return res.json() as Promise<{
+        activated: boolean;
+        expired: boolean;
+        expiry: string | null;
+        daysLeft: number | null;
+      }>;
+    },
+  });
+
+  const activateMutation = useMutation({
+    mutationFn: async (key: string) => {
+      const res = await apiRequest("POST", "/api/license/activate", { key });
+      if (!res.ok) {
+        const body = await res.json();
+        throw new Error(body.error || "Activation failed");
+      }
+      return res.json();
+    },
+    onSuccess: () => {
+      toast({ title: "License activated successfully" });
+      setKeyInput("");
+      queryClient.invalidateQueries({ queryKey: ["/api/license/status"] });
+    },
+    onError: (err: Error) => {
+      toast({ title: err.message, variant: "destructive" });
+    },
+  });
+
+  const formatExpiry = (expiry: string) => {
+    return new Date(expiry).toLocaleDateString("en-US", {
+      year: "numeric",
+      month: "long",
+      day: "numeric",
+    });
+  };
+
+  const isActive = status?.activated && !status?.expired;
+  const isExpired = status?.activated && status?.expired;
+  const isWarning = isActive && status?.daysLeft !== null && status.daysLeft <= 30;
+
+  return (
+    <div className="p-6 max-w-2xl mx-auto space-y-6">
+      <div className="flex items-center space-x-3">
+        <KeyRound className="h-6 w-6 text-gray-600" />
+        <h1 className="text-2xl font-semibold text-gray-800">License Activation</h1>
+      </div>
+
+      {/* Status Card */}
+      <Card>
+        <CardHeader>
+          <CardTitle className="text-base">License Status</CardTitle>
+        </CardHeader>
+        <CardContent>
+          {isLoading ? (
+            <p className="text-gray-500 text-sm">Checking license...</p>
+          ) : isActive ? (
+            <div className="space-y-2">
+              <div className="flex items-center space-x-2">
+                <CheckCircle2 className="h-5 w-5 text-green-500" />
+                <span className="font-medium text-green-700">Active</span>
+              </div>
+              <p className="text-sm text-gray-600">
+                Expires: <span className="font-medium">{formatExpiry(status!.expiry!)}</span>
+              </p>
+              {isWarning && (
+                <div className="flex items-center space-x-2 mt-2 p-2 bg-yellow-50 rounded-md border border-yellow-200">
+                  <AlertCircle className="h-4 w-4 text-yellow-600 flex-shrink-0" />
+                  <p className="text-sm text-yellow-700">
+                    Expires in {status!.daysLeft} day{status!.daysLeft !== 1 ? "s" : ""}. Please renew soon.
+                  </p>
+                </div>
+              )}
+            </div>
+          ) : isExpired ? (
+            <div className="flex items-center space-x-2">
+              <XCircle className="h-5 w-5 text-red-500" />
+              <div>
+                <span className="font-medium text-red-700">Expired</span>
+                <p className="text-sm text-gray-500">
+                  Expired on {formatExpiry(status!.expiry!)}. Enter a new key to reactivate.
+                </p>
+              </div>
+            </div>
+          ) : (
+            <div className="flex items-center space-x-2">
+              <XCircle className="h-5 w-5 text-gray-400" />
+              <span className="text-gray-500">Not activated</span>
+            </div>
+          )}
+        </CardContent>
+      </Card>
+
+      {/* Activate Card */}
+      <Card>
+        <CardHeader>
+          <CardTitle className="text-base">Enter License Key</CardTitle>
+        </CardHeader>
+        <CardContent className="space-y-3">
+          <Input
+            placeholder="DENTAL-XXXXXXXXXXXXXXXXXXXXXXXX-YYYY-MM-DD"
+            value={keyInput}
+            onChange={(e) => setKeyInput(e.target.value)}
+            className="font-mono text-sm"
+          />
+          <Button
+            onClick={() => activateMutation.mutate(keyInput)}
+            disabled={!keyInput.trim() || activateMutation.isPending}
+            className="w-full"
+          >
+            {activateMutation.isPending ? "Activating..." : "Activate"}
+          </Button>
+        </CardContent>
+      </Card>
+
+      {/* Features Card */}
+      <Card>
+        <CardHeader>
+          <CardTitle className="text-base">Features</CardTitle>
+        </CardHeader>
+        <CardContent className="space-y-4">
+          <div>
+            <p className="text-xs font-semibold uppercase tracking-wider text-gray-400 mb-2">Free</p>
+            <div className="space-y-1">
+              {[
+                "MassHealth Eligibility",
+                "MassHealth Claim",
+                "Documents",
+                "Payments",
+                "Database Backups",
+                "Reports",
+              ].map((f) => (
+                <div key={f} className="flex items-center space-x-2">
+                  <CheckCircle2 className="h-4 w-4 text-green-500 flex-shrink-0" />
+                  <span className="text-sm text-gray-700">{f}</span>
+                </div>
+              ))}
+            </div>
+          </div>
+
+          <div>
+            <p className="text-xs font-semibold uppercase tracking-wider text-gray-400 mb-2">Premium</p>
+            <div className="space-y-1">
+              {[
+                "CCA, DDMA, United, Tufts Eligibility",
+                "CCA, DDMA, United, Tufts Claims",
+                "Pre-Authorizations",
+                "AI SMS",
+              ].map((f) => (
+                <div key={f} className="flex items-center space-x-2">
+                  {isActive ? (
+                    <Shield className="h-4 w-4 text-blue-500 flex-shrink-0" />
+                  ) : (
+                    <ShieldOff className="h-4 w-4 text-gray-300 flex-shrink-0" />
+                  )}
+                  <span className={cn("text-sm", isActive ? "text-gray-700" : "text-gray-400")}>
+                    {f}
+                  </span>
+                </div>
+              ))}
+            </div>
+          </div>
+        </CardContent>
+      </Card>
+    </div>
+  );
+}

apps/Frontend/src/pages/claims-page.tsx

@@ -34,6 +34,7 @@ import ClaimDocumentsUploadMultiple from "@/components/claims/claim-document-upl
 import { QK_PATIENTS_BASE } from "@/components/patients/patient-table";
 import { PdfPreviewModal } from "@/components/insurance-status/pdf-preview-modal";
 import { socket } from "@/lib/socket";
+import { useLicense } from "@/hooks/use-license";
 
 export default function ClaimsPage() {
   const [isClaimFormOpen, setIsClaimFormOpen] = useState(false);
@@ -52,6 +53,7 @@ export default function ClaimsPage() {
   const { status, message, show } = useAppSelector(
     (state) => state.seleniumTasks.claimSubmit
   );
+  const { isLicensed } = useLicense();
 
   // Track pending selenium jobs so we can react to completion via socket
   const [pendingClaimJobId, setPendingClaimJobId] = useState<string | null>(null);
@@ -911,6 +913,7 @@ export default function ClaimsPage() {
           onHandleForDDMASeleniumClaim={handleDDMAClaimSubmitSelenium}
           onHandleForUnitedDHSeleniumClaim={handleUnitedDHClaimSubmitSelenium}
           onHandleForTuftsSCOSeleniumClaim={handleTuftsSCOClaimSubmitSelenium}
+          isLicensed={isLicensed}
         />
       )}
 

apps/Frontend/src/pages/insurance-status-page.tsx

@@ -41,6 +41,7 @@ import { DeltaInsEligibilityButton } from "@/components/insurance-status/deltain
 import { TuftsSCOEligibilityButton } from "@/components/insurance-status/tufts-sco-button-modal";
 import { UnitedSCOEligibilityButton } from "@/components/insurance-status/united-sco-button-modal";
 import { CCAEligibilityButton } from "@/components/insurance-status/cca-button-modal";
+import { useLicense } from "@/hooks/use-license";
 
 /**
  * Waits for a Selenium job to complete by racing socket.io events against
@@ -95,6 +96,7 @@ function waitForSeleniumJob(
 export default function InsuranceStatusPage() {
   const { user } = useAuth();
   const { toast } = useToast();
+  const { isLicensed } = useLicense();
   const dispatch = useAppDispatch();
   const { status, message, show } = useAppSelector(
     (state) => state.seleniumTasks.eligibilityCheck,
@@ -868,39 +870,43 @@ export default function InsuranceStatusPage() {
 
               {/* Row 1 */}
               <div className="grid grid-cols-1 md:grid-cols-3 gap-4">
-                <DdmaEligibilityButton
+                <div title={!isLicensed ? "License required" : undefined} className={!isLicensed ? "opacity-40 pointer-events-none" : ""}>
-                  memberId={memberId}
+                  <DdmaEligibilityButton
-                  dateOfBirth={dateOfBirth}
+                    memberId={memberId}
-                  firstName={firstName}
+                    dateOfBirth={dateOfBirth}
-                  lastName={lastName}
+                    firstName={firstName}
-                  isFormIncomplete={isFormIncomplete}
+                    lastName={lastName}
-                  autoTrigger={triggerTarget === "ddma"}
+                    isFormIncomplete={isFormIncomplete}
-                  onAutoTriggered={() => setTriggerTarget(null)}
+                    autoTrigger={triggerTarget === "ddma"}
-                  onPdfReady={(pdfId, fallbackFilename) => {
+                    onAutoTriggered={() => setTriggerTarget(null)}
-                    setPreviewPdfId(pdfId);
+                    onPdfReady={(pdfId, fallbackFilename) => {
-                    setPreviewFallbackFilename(
+                      setPreviewPdfId(pdfId);
-                      fallbackFilename ?? `eligibility_ddma_${memberId}.pdf`,
+                      setPreviewFallbackFilename(
-                    );
+                        fallbackFilename ?? `eligibility_ddma_${memberId}.pdf`,
-                    setPreviewOpen(true);
+                      );
-                  }}
+                      setPreviewOpen(true);
-                />
+                    }}
+                  />
+                </div>
 
-                <DeltaInsEligibilityButton
+                <div title={!isLicensed ? "License required" : undefined} className={!isLicensed ? "opacity-40 pointer-events-none" : ""}>
-                  memberId={memberId}
+                  <DeltaInsEligibilityButton
-                  dateOfBirth={dateOfBirth}
+                    memberId={memberId}
-                  firstName={firstName}
+                    dateOfBirth={dateOfBirth}
-                  lastName={lastName}
+                    firstName={firstName}
-                  isFormIncomplete={isFormIncomplete}
+                    lastName={lastName}
-                  autoTrigger={triggerTarget === "delta-ins"}
+                    isFormIncomplete={isFormIncomplete}
-                  onAutoTriggered={() => setTriggerTarget(null)}
+                    autoTrigger={triggerTarget === "delta-ins"}
-                  onPdfReady={(pdfId, fallbackFilename) => {
+                    onAutoTriggered={() => setTriggerTarget(null)}
-                    setPreviewPdfId(pdfId);
+                    onPdfReady={(pdfId, fallbackFilename) => {
-                    setPreviewFallbackFilename(
+                      setPreviewPdfId(pdfId);
-                      fallbackFilename ?? `eligibility_deltains_${memberId}.pdf`,
+                      setPreviewFallbackFilename(
-                    );
+                        fallbackFilename ?? `eligibility_deltains_${memberId}.pdf`,
-                    setPreviewOpen(true);
+                      );
-                  }}
+                      setPreviewOpen(true);
-                />
+                    }}
+                  />
+                </div>
 
                 <Button
                   className="w-full"
@@ -914,56 +920,62 @@ export default function InsuranceStatusPage() {
 
               {/* Row 2 */}
               <div className="grid grid-cols-1 md:grid-cols-3 gap-4">
-                <TuftsSCOEligibilityButton
+                <div title={!isLicensed ? "License required" : undefined} className={!isLicensed ? "opacity-40 pointer-events-none" : ""}>
-                  memberId={memberId}
+                  <TuftsSCOEligibilityButton
-                  dateOfBirth={dateOfBirth}
+                    memberId={memberId}
-                  firstName={firstName}
+                    dateOfBirth={dateOfBirth}
-                  lastName={lastName}
+                    firstName={firstName}
-                  isFormIncomplete={isFormIncomplete}
+                    lastName={lastName}
-                  autoTrigger={triggerTarget === "tufts-sco"}
+                    isFormIncomplete={isFormIncomplete}
-                  onAutoTriggered={() => setTriggerTarget(null)}
+                    autoTrigger={triggerTarget === "tufts-sco"}
-                  onPdfReady={(pdfId, fallbackFilename) => {
+                    onAutoTriggered={() => setTriggerTarget(null)}
-                    setPreviewPdfId(pdfId);
+                    onPdfReady={(pdfId, fallbackFilename) => {
-                    setPreviewFallbackFilename(
+                      setPreviewPdfId(pdfId);
-                      fallbackFilename ?? `eligibility_tuftssco_${memberId}.pdf`,
+                      setPreviewFallbackFilename(
-                    );
+                        fallbackFilename ?? `eligibility_tuftssco_${memberId}.pdf`,
-                    setPreviewOpen(true);
+                      );
-                  }}
+                      setPreviewOpen(true);
-                />
+                    }}
+                  />
+                </div>
 
-                <UnitedSCOEligibilityButton
+                <div title={!isLicensed ? "License required" : undefined} className={!isLicensed ? "opacity-40 pointer-events-none" : ""}>
-                  memberId={memberId}
+                  <UnitedSCOEligibilityButton
-                  dateOfBirth={dateOfBirth}
+                    memberId={memberId}
-                  firstName={firstName}
+                    dateOfBirth={dateOfBirth}
-                  lastName={lastName}
+                    firstName={firstName}
-                  isFormIncomplete={isFormIncomplete}
+                    lastName={lastName}
-                  autoTrigger={triggerTarget === "united-sco"}
+                    isFormIncomplete={isFormIncomplete}
-                  onAutoTriggered={() => setTriggerTarget(null)}
+                    autoTrigger={triggerTarget === "united-sco"}
-                  onPdfReady={(pdfId, fallbackFilename) => {
+                    onAutoTriggered={() => setTriggerTarget(null)}
-                    setPreviewPdfId(pdfId);
+                    onPdfReady={(pdfId, fallbackFilename) => {
-                    setPreviewFallbackFilename(
+                      setPreviewPdfId(pdfId);
-                      fallbackFilename ?? `eligibility_unitedsco_${memberId}.pdf`,
+                      setPreviewFallbackFilename(
-                    );
+                        fallbackFilename ?? `eligibility_unitedsco_${memberId}.pdf`,
-                    setPreviewOpen(true);
+                      );
-                  }}
+                      setPreviewOpen(true);
-                />
+                    }}
+                  />
+                </div>
 
-                <CCAEligibilityButton
+                <div title={!isLicensed ? "License required" : undefined} className={!isLicensed ? "opacity-40 pointer-events-none" : ""}>
-                  memberId={memberId}
+                  <CCAEligibilityButton
-                  dateOfBirth={dateOfBirth}
+                    memberId={memberId}
-                  firstName={firstName}
+                    dateOfBirth={dateOfBirth}
-                  lastName={lastName}
+                    firstName={firstName}
-                  isFormIncomplete={isFormIncomplete}
+                    lastName={lastName}
-                  autoTrigger={triggerTarget === "cca"}
+                    isFormIncomplete={isFormIncomplete}
-                  onAutoTriggered={() => setTriggerTarget(null)}
+                    autoTrigger={triggerTarget === "cca"}
-                  onPdfReady={(pdfId, fallbackFilename) => {
+                    onAutoTriggered={() => setTriggerTarget(null)}
-                    setPreviewPdfId(pdfId);
+                    onPdfReady={(pdfId, fallbackFilename) => {
-                    setPreviewFallbackFilename(
+                      setPreviewPdfId(pdfId);
-                      fallbackFilename ?? `eligibility_cca_${memberId}.pdf`,
+                      setPreviewFallbackFilename(
-                    );
+                        fallbackFilename ?? `eligibility_cca_${memberId}.pdf`,
-                    setPreviewOpen(true);
+                      );
-                  }}
+                      setPreviewOpen(true);
-                />
+                    }}
+                  />
+                </div>
               </div>
 
               {/* Row 3 */}