Monica Garcia Consulting
Evidence-based, tailored consultancy.

An independent voice in protection insurance
I support clients in delivering solutions that are both commercially viable and customer centric. These include the development and/or review of Early Intervention (EI) programmes and holistic frameworks to help identify customers needing additional support. I work collaboratively with my clients, also upskilling their teams where required. I'm proud that, over the years, such initiatives have helped insurance customers get back on their feet after illness or injury, within the Income Protection and Personal Injury insurance sectors.
My broader interest in promoting good practices leads me to actively participate in industry collaborations, sharing my views through articles and speaking at conferences. I co-authored the Access to Insurance education guide on Income Protection, published by the Chartered Institute of Insurers (CII), highlighting the role of a biopsychosocial approach to rehabilitation interventions within Income Protection.
I am a Trustee and long-standing professional member of the UK's Vocational Rehabilitation Association (VRA), driving the advancement of the vocational rehabilitation professional practice. Additionally, I recently completed a two-year term as a Steering Group member of the Income Protection Task Force (IPTF), supporting the industry's mission to expand protection coverage for the population with positive customer outcomes. I follow strict standards and I am an IRCM member (Institute of Registered Case Managers).
Since establishing my consultancy in 2020, I have been recognised for my contributions, including the Highly Commended – Most Inspiring Returner award and winner of the Unsung Hero – Service Provider category at the Women in Protection Awards in 2020 and 2022, respectively.
I love my job and the people I work with. Always feeling humbled to embrace new approaches, including technology advancements and new evidence insights.
Over two decades of practice
Independent Consultant
MGC — supporting insurers and third-party providers across Early Intervention, vocational rehabilitation, training and product enhancements.
Global Re-insurer
Nearly a decade leading research on psychosocial factors in return-to-work and developing Early Intervention initiatives for Income Protection portfolios in the UK.
Case Management Practice
CBT-based Condition Management Programmes (DWP), Occupational Health, Vocational Rehabilitation and Case Management in the personal injury sector.
Recognised in the industry

Winner
Unsung Hero Award — Service Provider

Highly Commended
Most Inspiring Returner
Memberships & publications
Trustee, Vocational Rehabilitation Association UK (VRA)
Appointed 2020. Long-standing professional member, focused on advancing VR professional practice in the UK.
Member, Institute of Registered Case Managers (IRCM)
Professional member of the UK body representing registered case managers in vocational rehabilitation and personal injury.
Co-author — A guide to Income Protection
Published by the Chartered Insurance Institute (CII) as part of the Access to Insurance education series.
Selected publications
Original writing for the UK protection and rehabilitation sector — in COVER Magazine, Health & Protection, IPTF and on this site.
- Nov 2025Women’s Financial Resilience
- Oct 2025Can income protection keep up with rising sickness absences?
- Mar 2025How Income Protection Can Be Part of the Work and Health Solution
- Feb 2025When Time Runs Out: Early Intervention in Limited IP Claim Terms
- Feb 2023Back to Basics: Building a successful early intervention framework within IP
- Jul 2022Let’s keep the income protection conversation going
- Feb 2022Mental Health & Disability Insurance Claims
- Oct 2021Returning to work after illness — a personal perspective
- Jul 2020How is Covid-19 likely to impact IP claims?
- Jan 2020Income protection: What’s next for rehabilitation?
Lectures & speaking
Industry conferences, webinars, podcasts, training and academic lectures across UK protection, rehabilitation and occupational health.
- Jul 2026Health Claims Forum 2026 — Biopsychosocial framework for IP claims Presentation
- Jan 2026Return to Work for People with Mental Health Conditions: Learnings from the Income Protection Sector Presentation
- Jun 2025Vocational Rehabilitation: The Missing Link in IP Podcast
- Mar 2025Health & Protection Forum 2025 Panel
- Feb 2025Income Protection in the Spotlight Webinar
- Dec 2024Guest lecturer, UCL — MSc Neurophysiotherapy Lecture
- Jan 2024Artificial Intelligence within Vocational Rehabilitation Webinar
- May 2022Society of Occupational Medicine Webinar
- Mar 2022Women's Wellbeing in the Workplace Podcast
- Mar 2022Vocational Rehabilitation and IP Insurance Panel
- Feb 2022The Practical Protection Podcast Podcast
- Nov 2021Grant Thornton FS Non-Executive Director Forum Panel
Guest judging panels
Industry awards panels assessing innovation, customer outcomes and protection excellence.
- Jul 2026UK Health & Protection Awards 2026
- Jul 2025UK Health & Protection Awards 2025Judging panel; presented an award on the night (16 Oct 2025).
- Jul 2025COVER Excellence Awards 2025
- Sep 2024COVER Excellence Awards 2024Outstanding Mental Health & Wellbeing Support, Outstanding Protection Product Innovation, Rising Star Provider.
- Oct 2024Protection Review Awards 2024Health Insurance Adviser of the Year, Protection Intermediary of the Year.
- Oct 2022COVER Excellence Awards 2022
- Sep 2022Protection Review Awards 2022
- Oct 2021Protection Review Awards 2021
Grounded in psychology & health research
- Undergraduate degree in Psychology (London)
- Postgraduate degree in Health Psychology (London)
- Specialist research interest: beliefs, social factors, work stress and resilience in recovery
Published in Journal of International Psychiatry: “Mental Health in the Plurinational State of Bolivia” (2011, Vol 8 No 4).
