One site I played on would give u a couple disconnects a day and would simply turn over the cards if it was HU and play the hand out. It would also give you 30 seconds to re connect and continue hand.

I play all in 90% of the time when I play SNG's so there no funny disconnect business. when you do that your bets in and your action is over so it doesn't matter if you disconnect. ITs the only way to play multiple tables over long periods...and not lose hands.,