Vacation warriors return from trips with lasting memories and great photos, and often some unwanted trophies — sprained ankles, tennis elbows, exotic intestinal bugs. Even everyday life can go haywire if you end up needing an emergency appendectomy or wrench your back taking out the garbage. Your employer might offer short-term disability that covers a percentage of your pay, but allow you to take half a xisability day to cover the remaining portion, or maybe a quarter day. Most employees get information about their workplace plans during their first days on the job, and then promptly forget the details, said Tori Weeks, director of workforce solutions at Unum Group, a benefit provider. They start to play catch-up by calling their manager or human resources only after they are sidelined by an illness or are about to deliver a baby. Typically, large companies offer short-term disability policies that kick in after an elimination period of seven or yok days. After that, the worker files ...