Talk with your dentist to find out how he or she operates. Dental plans usually include regular exams and teeth cleaning as well as some non-routine services. More complicated health care may not be fully covered by dental plans. Be sure to ask your employer about the specifics of your dental plan. Disability insurance - Disability includes three stages of coverage.
Sick leave is the first stage.
Sick leave can be paid or unpaid. You usually have a set number of days for sick leave each year. You may go without pay for a while if your paid sick days run out. In this situation, you have a set number of days each year for which you are paid when you don't come to work. The time you take off for minor illnesses is deducted from your paid time off.