Provides information on a three-part job retention model (3M model) containing "match,""maturity," and "mastery" constructs. Proposes that individuals with disabilities are more likely to retain employment when rehabilitation counselors provide retention services compatible with the 3Ms. Counselors can help people with disabilities (a) establish prerequisite job-person match, (b) meet career maturity challenges, (c) demonstrate mastery of novel workplace problems. (Contains 26 references.) (Author)