Julie Rios hastake-home pay of $2,230 per month and a disability insurance policy that replaces 60 percent of earnings after a90-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 shelose, and how much would be replaced by her disabilitypolicy? How else could she replace her lostearnings? If after four months Julie could only return to workhalf-time for an additional three months due to continuing physicaltherapy, how might she benefit from a residual benefitsclause? How much will she receive in disability benefits for thisperiod?