Which benefit covers the costs associated with physical rehabilitation for disabled insured?

The rehabilitation benefit is specifically designed to cover the costs associated with physical rehabilitation for individuals who have become disabled. This benefit focuses on aiding the insured in recovering their ability to perform daily activities and return to work, if possible. Rehabilitation services may include physical therapy, occupational therapy, or vocational training, which are essential for helping individuals regain independence and improve their quality of life after a disabling event.

The significance of this benefit lies in its role in facilitating recovery and enhancing the functionality of the insured. It emphasizes rehabilitation rather than simply providing financial assistance during the period of disability, which is essential for long-term recovery outcomes.

In contrast, the income replacement benefit primarily provides a portion of the insured's lost wages due to inability to work, while the medical benefit covers various healthcare expenses unrelated to rehabilitation services. The long-term benefit usually pertains to ongoing financial support for chronic disabilities, rather than focusing on rehabilitation efforts. Hence, the rehabilitation benefit uniquely addresses the need for physical and vocational recovery, making it the correct choice.