Which of the following is a key feature of the Disability Income Policy?

A key feature of the Disability Income Policy is that it provides rehabilitation support. This aspect is critical because, beyond just replacing lost income due to a disability, these policies often include provisions for rehabilitation services. Such services can help individuals regain their functional abilities and return to work, facilitating a smoother transition back to their daily lives. This support can cover various therapies, vocational training, or other necessary services aimed at promoting recovery and enhancing the capacity to work, which is paramount for individuals seeking to return to their pre-disability lifestyle.

Other options do not accurately reflect the defining characteristics of a Disability Income Policy. Coverage for medical costs may be a feature of health insurance, but Disability Income Policies primarily focus on income replacement and related supports rather than direct medical expenses. Automatic coverage for all employees isn't standard, as typically, enrollment in such plans can depend on specific conditions set by the employer or insurer. Lastly, policies are designed to be purchased before a disability occurs. Once a disability is diagnosed, obtaining coverage is often no longer possible, as insurers generally do not provide policies for pre-existing conditions.