US: (1) Restoration of a totally disabled person to a meaningful occupation, (2) a provision in some long- term disability policies that provides for continuation of benefits or other financial assistance while a totally disabled insured is retraining or attempting to resume productive employment.
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Process by which a disable person is aided to recover maximum effective function in all personal activities.
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UK: Restoring the physical and/or mental capabilities of an injured person through counselling, therapy or education. The aim is to return that person to a normal way of life or an early return to work, or rehabilitate them in a new earning capacity. Some liability insurers provide claimants with early access to rehabilitation services without prejudice to their position on liability.
Insurance Encyclopedia
Rehabilitation (rehab)
Restoring an individual or part of the body to normal or almost normal function after a disease, injury, addiction, or incarceration (e.g., working with a physical therapist to walk better or with an occupational therapist to get dressed). Rehabilitation services are ordered by the attending physician for the patient. These services are given by nurses and physical, occupational, and speech therapists. Also referred to as rehabilitation care .
Rehabilitation benefit/proportionate benefit
Reduced benefit payable under an income protection insurance when an insured returns to work on reduced earnings as a result of a disability. The benefit starts only after 13 weeks of total incapacity and when a full claim has been admitted.
Rehabilitation benefits (Workers Compensation)
Benefits provided under workers compensation to a person injured in a work-related capacity. These are physical rehabilitation or vocational rehabilitation benefits that attempt to prepare the person to return to work.
Rehabilitation center
Facility that provides treatment, training, and assists in restoring an individual who is disabled to maximum independence and productivity. It may offer occupational therapy, physical therapy, speech therapy, and vocational therapy.
Rehabilitation clause (Health Insurance)
A clause within a health insurance policy that provides help with vocational rehabilitation for the policyholder.
Rehabilitation facility
See: rehabilitation hospital or rehabilitation center .
Rehabilitation hospital
Institution or facility that gives health-related services to disabled individuals such as rehabilitative services and social or vocational services to help him or her obtain maximum function. For example, some conditions might be amputation, brain or spinal cord injuries, neurological disorders, and stroke. Also called rehabilitation facility .
Rehabilitation of insurer
A process completed by a state’s insurance department with the intent of restoring a financially troubled insurer to solvency.
Rehabilitation of Offenders Act 1974
Means that ‘spent’ convictions need not be disclosed to insurers as material facts. The rehabilitation period is five years for non-custodial sentences, seven years for custodial sentences exceeding 6 but not exceeding 30 months. Sentences over 30 months do not become ‘spent’. An agent or previous insurer who is aware of a spent conviction must not disclose it.