There are many types of leave from work that an employee may choose or be forced to take. Some are fairly obvious, but some are not quite as obvious as the others.

Vacation would be one of the obvious ones. Most employers will allow you to save up vacation time, usually depending upon how long you have worked for them, and redeem it so you can continue to get paid while you take some earned time off.

Another type of leave would be sick leave. Often times called sick days, these typically accrue in much the same way that vacation days do. Employees are still paid if they are too sick to come to work. There are, however, a stipulated number of days an employee may take, so when they run out they run out.

That brings us to one of the types of leaves that is not as obvious. And if you don’t have long term disability insurance you might be in trouble with this one! That’s because disability insurance companies are the only ones that will continue to pay you if you have gone beyond the number of sick days you are allowed or have earned but still are too sick to work. This is a type of leave that you don’t want to take if you don’t have disability insurance!

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