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Adequacy of Your Income

Your Monthly Income Benefit (MIB) must be sufficient to pay the cost of your Disability Retirement benefits. Your Monthly Income Benefit is considered “adequate” when the sum of your monthly insurance premiums does not exceed seventy per cent (70%) of your gross MIB.

If your MIB is not adequate to pay your “Disability Retirement” insurance premiums, the GIC will send a bill to your home address each month for the cost of your benefits. You will be responsible for paying this bill on a timely basis, directly to the GIC.


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