I agree.  I stay confused about when you can claim payements from your short or long term disablitity coverage.  I THINK you can start after you've been out of work for 3 weeks.  Last year, I thought you had to wait until you had no more vacation/personal/sick time to use.  Someone told me recently that you don't have to use up your vacation time.

Now I'm nearing the end of the year, and can't believe how good it feels, not to be worrying about paying off another big medical bill!

 

Mad