12. (1) The insurer will pay with respect to each insured person who sustains physical, psychological or mental injury as a result of an accident a weekly income benefit during the period in which the insured person suffers substantial inability to perform the essential tasks of his or her occupation or employment if the insured person meets the qualifications set out in subsection (2) or (3).  R.R.O. 1990, Reg. 672, s. 12 (1). (2) The following qualifications apply to an insured person who claims a weekly benefit under subsection (1): 1. He or she must have been at the time of the accident, i. employed or self-employed, ii. on a temporary lay-off, or iii. entitled to start work within one year under a legitimate offer of employment made before the accident and evidenced in writing. 2. He or she as a result of and within two years of the accident must have suffered a substantial inability to perform the essential tasks of his or her occupation or employment.  R.R.O. 1990, Reg. 672, s. 12 (2). (3) A person who was unemployed and who was not self-employed at the time of the accident is qualified to receive a weekly benefit under subsection (1) if he or she was employed or self-employed for any 180 days in the twelve-month period before the accident, and if he or she as a result of and within two years of the accident has suffered a substantial inability to perform the essential tasks of the occupation or employment in which he or she spent the most time during the twelve-month period before the accident.  R.R.O. 1990, Reg. 672, s. 12 (3). (4) Subject to subsection (5), the weekly benefit under subsection (1) will be the lesser of, (a) $600 plus, if Optional Benefit 2 has been purchased, the amount of the benefit chosen; and (b) 80 per cent of the insured person’s gross weekly income from his or her occupation or employment, less any payments for loss of income, except Unemployment Insurance benefits, (i) received by or available to the insured person under the laws of any jurisdiction or under any income continuation benefit plan, or (ii) received under any sick leave plan.  R.R.O. 1990, Reg. 672, s. 12 (4). (5) The insurer is not required to pay a weekly benefit under subsection (1), (a) for the first week of the disability; (b) for any period in excess of 156 weeks unless it has been established that the injury continuously prevents the insured from engaging in any occupation or employment for which he or she is reasonably suited by education, training or experience.  R.R.O. 1990, Reg. 672, s. 12 (5). (6) The insurer is not required to pay a weekly benefit under subsection (1) to a person described in subparagraph iii of paragraph 1 of subsection (2) until the day the person would have been entitled under the contract to begin employment unless before that day the person is qualified for a benefit under another paragraph of that subsection.  R.R.O. 1990, Reg. 672, s. 12 (6). (7) The following rules apply to the calculation of gross weekly income: 1. A person’s gross weekly income shall be deemed to be the greatest of, i. his or her average gross weekly income from his or her occupation or employment for the four weeks preceding the accident, ii. his or her average gross weekly income from his or her occupation or employment for the fifty-two weeks preceding the accident, iii. $232. 2. When a person becomes qualified to receive an income benefit under subparagraph iii of paragraph 1 of subsection (2), the person’s gross weekly income shall be deemed to be the greatest of, i. if the person was qualified under either subparagraph i or ii of paragraph 1 of subsection (2), his or her gross weekly income as determined under paragraph 1, ii. the gross weekly income payable under the contract of employment, iii. $232. 3. Business expenses which cease as a result of the accident shall be deducted from a person’s income from self-employment before calculating his or her gross weekly income.  R.R.O. 1990, Reg. 672, s. 12 (7). Benefit if no Income