add disabled reason helper text for claims

[Johnpii1]

Summary

Description
Add a centralized helper getClaimActionDisabledReasonText in src/utils/claimActionDisabledReason.ts with a ClaimActionDisabledReasonKey type and a mapped set of standardized messages.
Add unit tests in src/utils/tests/claimActionDisabledReason.test.ts covering every supported disabled-reason key.
Add documentation docs/ClaimActionHelperText-DisabledReason.md with intent, supported keys, usage example, and local validation instructions.
Keep the change scoped to the new utility, tests, and docs with no unrelated file churn.

Testing

Ran pnpm test src/utils/tests/claimActionDisabledReason.test.ts, and the test file passed.
Ran pnpm lint (ESLint), and lint completed successfully.

• pnpm lint
• pnpm build

Checklist

close #131

• Linked issue or backlog item
• Scope is limited to the stated change
• Updated docs if behavior or setup changed
• Added screenshots for UI changes when relevant

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