The Manchester United defender pulled out of Roy Hodgson's original party after claiming that he could not follow his detailed pre-match training programme whilst on international duty.
Ferdinand worked as a television pundit during England's 8-0 victory over San Marino on Friday evening, while fans chanted abuse towards the 34-year-old.
|3/1||Montenegro are 3/1 with Bet365 to score over 1.5 goals against England
"Of course, we all wanted Rio here because he is a good player and he certainly would have helped us over these two games but he's made his decision and we need to respect that."
England sit two points behind Montenegro in Group H, facing a trip to Podgorica on Tuesday for their second World Cup qualifying fixture of the international break and, Gerrard says that his side are braced for a frosty reception.
"I think their supporters will make it as hostile as they can," the skipper observed, "but I think we will be used to it and will be able to handle it."
"I don't think there will be that many people there and we are used to playing in front of bigger crowds but these are the type of atmospheres where they try to intimidate us. Any time you are away from home against these countries, when England are in town, the supporters are up for it.
"They are desperate to beat us and everything is against us but I think we've got the players in the squad to go and handle the situation and get the three points."