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An employer who pays 100% of salary or who tops off a 60% plan to full pay is making a meaningfully different statement about how much they value employees during one of the most important transitions of their lives The combination of these two variables, disability payment rate and top-off, is what candidates from competitive talent markets are increasingly asking about directly

In a way, we were lucky that it was this was a disease found on tobacco, Scholthof says

We used Likelihood Ratio tests (for nested models) and the Akaike Information Criterion (AIC) (for unnested models) to select the best fitting models

But the evidence already points to a troubling cycle: stress leads to vaping, which leads to more stress and dependency