How to Insure Your Income: Rehabilitation Benefits

Rehabilitation benefits are an optional coverage that can be purchased with a disability income policy, and an optional benefit that can be claimed under most workers' comp systems.

As a result of a disability, you may not be able to return to the work you were doing before -- but may be able to work another job. Moving to a new job or career may require some vocational training.

If you elect to participate in vocational rehabilitation, total disability benefits will be continued as long as you are actively participating in the training program and remain totally disabled.

Some insurers provide a lump sum payment for vocational training. Whether a lump sum or a monthly payment, this benefit enables you to take positive steps toward returning to work -- even in another occupation. Thus, this option benefits both you and the insurance company.