What is the purpose of a rehabilitation benefit in a disability income policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A rehabilitation benefit funds services that help a disabled insured recover and return to work: vocational training, retraining for a new career, physical therapy, or job placement assistance. Insurers include rehabilitation provisions because returning the insured to productive work is in everyone's interest: the insured regains income and independence, and the insurer reduces future benefit payouts. Rehabilitation benefits are usually available in addition to, not instead of, the regular monthly disability benefit, and the insured is expected to cooperate with the plan to remain eligible.
Why the other options are wrong
- B) No benefit replaces a salary for life; rehabilitation is a cost-funding provision that covers retraining services, not lifetime income replacement. 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。
- C) Medical bill payment is the job of health insurance, not the rehabilitation benefit of a disability policy, which targets return-to-work services. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
- D) Hospital confinement expense reimbursement is characteristic of hospital indemnity coverage, not rehabilitation, which funds recovery and retraining. 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。 康复条款的给付用途限于复健相关支出，与收入或医疗保障不同。 康复给付用于资助恢复训练以降低长期残疾风险，而非替代工资或医疗费用。
Memory hook
Rehabilitation = the insurer pays to retrain you back into the workforce. A bridge from disability to a paycheck.