I would like to make a comment on the 75% salary you get when you leave injured. That is taxable. I don't understand why it's not 100% and then taxable. If you were employed in a routine job and you were injured, when you went on worker's comp, or some other plan, you would still get 100% of your salary, though it's taxable in some cases. So the 75% taxable, I don't understand how that ever came to pass.