p>Some things to keep in mind when choosing an income protection insurance policy that feels right for you include:</p><ul> <li>Monthly benefit amount – the amount you receive to cover your lost income if you’re unable to work due to sickness or injury. With <a href="/income-protection-insurance">Guardian Income Protection Insurance</a>, you can cover up to 70% of your monthly pre-tax income, up to $15,000 per month.</li> <li>Benefit period – the duration you can receive your monthly payments, if you’re unable to work due to sickness or injury. With <a href="/income-protection-insurance">Guardian Income Protection Insurance</a>, you can apply for a benefit period of 6 months, 1 year, 2 years, or 5 years.</li> <li>Waiting period – the length of time you must wait before your payments start. With Guardian Income Protection Insurance, you can apply for a waiting period of either 30 or 90 days.</li></ul