Julie Rios has$$ take$-$home pay of $$$$2180$ per month and a disability insurance policy that replaces $60$ percent of earnings after a$90-$day $(3-$month$)$ waiting period. She has accumulated $80$ sick days at work. Julie was involved in an auto accident and was out of work for four months. How much income did she$$ lose, and how much would be replaced by her disability$$ policy? How else could she replace her lost$$ earnings? If after four months Julie could only return to work$$ half$-$time for an additional three months due to continuing physical$$ therapy, how might she benefit from a residual benefits$$ clause? How much will she receive in disability benefits for this$$ period?Before applying sick day benefits and disability income$$ benefits, Julie would lose $$