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I believe the disconnected player is allowed to contest the portion of the pot that was in place at the time of the disconnection, without having to call any bets made after the disconnection.

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Yes, it treats him as if he was all-in with the money he has already put into the pot. Even if he re-connects, he can't act in the hand again (because it won't "protect" him this way unless he was facing a bet when he disconnected).

I don't play tables with this kind of protection, but I have observed tables on PS where it has happened twice. Both times the disconnected player had a moderate draw against someone who potted with the nuts on the turn. Suspicious as all hell both times.

Is there a standard policy for online poker rooms for dealing with these situations? How many times does this have to happen before action is taken?