I have a general question regarding ATR and whether Short-Term Disability can be used for income verification. I have an applicant that held a job for 27 years and had a procedure in which he will be on short-term disability for more than 6 months. His plan is to go back to his previous job but I suppose there is a very real possibility he could not. I understand Long Term Disability can be used for income verification but I wondered what everyone's practice was with short-term. My thought is that I cannot use it since it has an expiration period and I cannot use his previous income because he is no longer earning it at this point. Does this make sense?