If you are asked whether you are interested in a rehabilitation program, be very careful. Insurance companies adopt these programs to minimize the benefits they pay. Any NY disability attorney will tell you that such programs put in place by these insurance companies are not for your benefit. These programs may sound very appealing because no one wants to be disabled. They may, however, be Trojan Horses. We had a client who expressed interest in such a program. Once he did that, the insurer point blank told him that he must then be able to work. The insurer then subjected him to a functional capacity evaluation and discontinued his benefits — without ever having him participate in a rehabilitation program.