The insurer sought repayment of income replacement benefits because of error, wilful misrepresentation or fraud, and interest. Adjudicator Conway held that the insurer was entitled to repayment of IRBs plus interest. The insurer made IRB payments based on the representations of the claimant. The documents submitted to the insurer by the claimant stating that he was employed were false. Adequate notice was given to the claimant to repay the IRBs and there was evidence that the insurer delivered its notice at the address provided by the claimant. Notice for repayment was given in a timely manner to the claimant and as stipulated by the SABS.