It looks like I need an income to qualify for this insurance. Is that right?

Answer: Yes, but only for the disability income portion of this benefit if you have never worked previously. If you are working while doing your practicum, then the salary you received from employment counts towards your benefit calculation. Should you be a full time student with no current earned income then there is a reduced benefit of $100.00 per week. In all cases the “Permanent Disability Benefit” and all other benefits are active for you while you are on your practicum.