Life can get in the way of your work energy and make it difficult to pay your bills and fund various aspects of your life. The unexpected can happen to anyone, probably a fatal accident resulting in disabilities, which make working impossible.
But that does not have to be you.
There’s a way to continue paying your bills without working after suffering from a disability or illness. Yes, you heard that right. The disability income policy is a plan that provides you a partial income when you stop working because of an injury or illness.
You can go for a short-term or a long-term disability income policy, depending on your preference. But I’m jumping ahead to the rehabilitation benefits in a disability income policy. Don’t get left behind.
Fact: About 90% of disabilities are caused by illness while the other 10% are due to injury.
Table of Contents
- What is Rehabilitation Benefits in a Disability Income Policy?
- What do the Rehabilitation Benefits Cover in a Disability Insurance Policy?
- Why is a Rehabilitation Program Important for Your Injuries?
- Who are the Rehabilitative Benefits for?
What is Rehabilitation Benefits in a Disability Income Policy?
As its name implies, rehabilitation helps victims recover from the damage done to their physical or mental health. In order words, rehabilitation is a program or therapy to help people regain their full capacity to live a normal life.
Rehabilitation benefits are part of a disability income policy to help injured or sick employees with rehabilitative treatments. Professional and licensed facilities experts in all healing phases offer these treatments.
Here’s the big idea about rehabilitation benefits in a disability income policy. Thanks to these benefits, an injured or sick employee does not have to bear all the rehabilitation program costs.
While rehabilitation benefits cover part of the treatment bills, despite the victim’s inability to work, you should know what the coverage includes. So, let’s find out what they are.
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What do the Rehabilitation Benefits Cover in a Disability Insurance Policy?
There are limits to what the rehabilitation benefits cover in a disability insurance policy. It all buzzes down to your disability income policy plan, your insurer, and the number of income benefits payable.
Here are some of the benefits of a rehabilitation plan. Make sure to check them out.
Adaptive equipment purchase
A rehabilitation benefit covers adaptive equipment purchases that aid your healing progress during the rehabilitation process. For example, the cost of buying a wheelchair to help you move around will be covered by the rehabilitation benefits.
So, you don’t have to worry about the cost of purchasing adaptive equipment recommended for your rehabilitation program. Other examples of adaptive equipment are standing frames, gait trainers, bath chairs, lifts, etc.
Rehabilitation benefits also cover the injured or sick employee’s medical services. It implies you don’t have to pay for medical services like X-rays, dental, ambulance, surgical, etc.
Be rest assured that having a disability income policy is one of the smartest things to do because it saves you the medical bills of a rehabilitation program.
An illness or injury can cause you to lose a job and get a new one that better suits your physical and mental capacity. Sometimes, your new job may require retraining or education. The good news is that the rehabilitative benefits will cover your new job retraining and education requirements.
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After an injury, the victim usually undergoes a vocational assessment to learn more about their skills and abilities. You should know that a vocational assessment extends to evaluating the victim’s background and work samples.
Vocational assessment in a rehabilitation program attracts a fee, but the silver lining is that the fee is managed and taken care of in the disability income policy.
Why is a Rehabilitation Program Important for Your Injuries?
By now, you are probably wondering why you need a rehabilitation program after sustaining an injury or sickness. This program has several benefits, especially when covered by the rehabilitative benefits in a disability income policy.
Want to see the benefits?
Below are the purposes of disability income benefits.
First off, rehabilitation therapies offer a wide range of psychological benefits that improve the overall well-being of the affected person. The program helps improve a person’s confidence peradventure they had lost a body part like the limbs, hands, etc.
It also helps you gain greater independence to deal with your injuries or illness. The magic formula is that you won’t feel different from your state of health before the injury or illness.
Another benefit of rehabilitation programs is their effect on your physical appearance. It will help you correct your posture problems and heal your soft tissue injuries and lesions. It also enhances your balance, flexibility and gives you strength.
Additionally, rehabilitation therapies reduce pain and improve coordination. It’s pretty obvious that rehabilitation programs do much good to the victim’s physical appearance.
Other benefits of rehabilitation programs include getting back to work more quickly to regain financial stability. Research shows that people who go through rehabilitation recover and resume work faster than people who do not undergo rehabilitation programs. So, it helps improve your general state of health.
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Who are the Rehabilitative Benefits for?
If you are unsure who needs the rehabilitative benefits in a disability income policy, you may want to check out the list below.
People fully dependent on their salary
If you solely depend on your work monthly salary, you need the disability income policy. It allows you to receive a partial income when you stop working due to injuries or illness.
People with no insurance policy
Some workplaces provide insurance plans to their staff while others do not. You should consider getting a personal disability income policy if your employer does not provide you with an insurance plan.
People working in construction and manufacturing companies
The risk of sustaining injuries during work is higher in the construction and manufacturing sectors than in other sectors. Workers in construction sites face more health hazards, falls, and cuts.
People with health issues
You should consider having a personal disability income policy if you have health challenges that can cause you to fall in and out of jobs. Examples of such health challenges are heart diseases, stroke, HIV, obesity, diabetes, cancer, and lower respiratory diseases.