Julie Rios has take-home pay of $3,200 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 4 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 4 months Julie could return to work only half-time for an additional 3 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?