Content Overview 
- Summary
- Types Of Disability Insurance Policies
- Definition of Total Disability
- Partial Disability Definition
- Elimination Period (Also Known As "Waiting Period")
- Benefit Amount
- Maximum Benefit Period
- Exclusions And Limitations
- Partial Disability or Residual Benefit
- Rehabilitative Training Or Employment
- Recurring Disabilities Provision
- Waiver Of Premium
- Riders: Guaranteed Insurability, Social Security Offset, Cost Of Living
- Insurance Company Financial Situation: How To Check
- Taxation of Benefits
- What To Expect When Applying For Disability Insurance
Disability Income Insurance: Individual: 101
Rehabilitative Training Or Employment
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In an effort to encourage people to go back to work, most long term disability plans provide benefits for rehabilitation. The benefits vary dramatically from plan to plan, but all of them require that the insurance company approve the rehabilitation program before you start it. If this applies you and you are considering returning to work, see Return to Work-Impact on Benefits.
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