These benefits are intended to help you return to work, and are payable if you are receiving the Income Benefit. This option is only available if you have selected a 2 or 5 year Benefit Period. If you are covered for the Rehabilitation Benefit, it will be shown on your Policy Schedule. The rehabilitation benefits are payable as follows:
If you participate in a Rehabilitation Program, we will reimburse you up to an additional 50% of your Monthly Amount Insured each month you participate in the program, up to a maximum of 6 months.
Example: If your Monthly Amount Insured is $3,000 per month, we will reimburse you up to an extra $1,500 per month for up to 6 months.
Return to work costs
We will pay up to 6 times the Monthly Amount Insured toward expenses such as the cost of special equipment and workplace modifications designed to assist you to re-enter the workforce. This benefit does not cover health costs which are typically covered by Medicare or private health insurance.
Example: If your Monthly Amount Insured is $3,000 per month, we will reimburse you up to $18,000. The rehabilitation benefit expenses must be incurred whilst you are receiving the Income Benefit and, to receive any one of the rehabilitation benefits, you must have our written approval to meet the expenses of the Rehabilitation Program, or the rehabilitation expenses, before they are incurred.
Limit on benefits
You are only entitled to one Income Benefit payable at any one time under this cover, even if you suffer more than one Sickness or Injury giving rise to the claim.
At no time can your Income Benefit exceed 75% of your Pre-Disability Income.
If you are covered under more than one Guardian Income Protection Insurance Policy, we will apply these limits to the total of the benefits payable under all Guardian Income Protection Insurance Policies. Any reduction in the Income Benefit will be applied to the Insurance most recently commenced and we will refund the premiums paid referable to the amount by which the Income Benefit is reduced.