The Insurance Buying Guide: Rehabilitation Benefits
Rehabilitation benefits is 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 you may be able to work another job. However, moving to a new job or career may necessitate some vocational training.
If you elect to participate in vocational rehabilitation, total disability benefits will continue as long as you are actively participating in the training program and remain totally disabled.
Some insurers may 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. Thus, this option benefits both you and the insurance company.
