What ongoing requirements are there while receiving Income Protection benefits?

Unlike lump sum insurance products, Income Protection requires continuous proof that you remain disabled and unable to work throughout your claim. You'll typically need to provide updated medical certificates from your treating doctor every 1-3 months confirming your ongoing disability and treatment. The insurer may require you to attend independent medical examinations (IMEs) at their expense to verify your condition and recovery progress. You must notify the insurer of any changes to your circumstances, including: improvements in your condition, return to work (even part-time), changes to your treatment plan, or changes to your income. Most policies require you to participate in reasonable rehabilitation and return-to-work programs, which might include physiotherapy, vocational rehabilitation, workplace modifications, or graduated return-to-work plans. Failure to participate in reasonable rehabilitation without good reason can result in benefit suspension or reduction. You may need to provide ongoing financial information to verify your income loss. The insurer will regularly review your claim to ensure you still meet the disability definition. This ongoing process can be demanding, particularly when you're unwell, so maintaining organized records and clear communication with your insurer is essential. Some policies offer support services like case managers to help coordinate your rehabilitation and claim management.