Ouch, Nick! I broke bones in my foot when I tripped over a tree root taking my class down a path to a field for the school's field day. That's a pretty boring story, too. However, because it was a few days before the school year's end, I did well financially. Teachers are paid for the number of days in the school year, and I had more than enough sick leave to cover those last few days I took out, earning my full year's salary. Then the personnel director called a few days into summer vacation and said I should watch the mail for disability checks throughout the summer. I told him I knew disability insurance would cover any medical copays not included in my health plan, but I asked why I qualified for disability checks. He told me the school department had to assume I would have got a job teaching summer school!