Final answer:
The benefit that encourages disabled policy owners to try to return to work is the Rehabilitation Benefit. It offers job training, therapy, and support to help individuals re-enter the workforce.
Step-by-step explanation:
The benefit that encourages disabled policy owners to try to return to work is D) Rehabilitation Benefit. This benefit is specifically designed to assist policyholders in overcoming disabilities and re-entering the workforce. Rehabilitation programs may include job training, therapy, and other forms of support tailored to the individual's needs. It aims to facilitate the transition back to work as smoothly as possible while ensuring the policy owner's well-being and financial security.