Reduced benefit payable under an income protection insurance when an insured returns to work on reduced earnings as a result of a disability. The benefit starts only after 13 weeks of total incapacity and when a full claim has been admitted.

Means that ‘spent’ convictions need not be disclosed to insurers as material facts. The rehabilitation period is five years for non-custodial sentences, seven years for custodial sentences exceeding 6 but not exceeding 30 months. Sentences over 30 months do not become ‘spent’. An agent or previous insurer who is aware of a spent conviction must not disclose it.