However, her health insurance company is now looking for money since the short term disability folks are unrelated to the health care folks.What a mess. wild :) It is not unusual for short term disability to be unrelated to the health care company. It isn't unusual for short term disability to have a waiting period, and vacation time can be used during that time. I would check if she has to use all of her vacation time first or only that there is a waiting period.
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