Originally Posted by EWRflyr

Make sure you DO NOT OPT OUT OF THE LONG TERM DISABILITY program either. You will be enrolled automatically when you are hired and it will cost you a few dollars each pay period. It is well worth it for the piece of mind of having an income if you lose your medical (it does happen to young pilots). If you opt out and then decide later to get it, it is an almost impossible feat to get back into the LTD program because of the physical requirements and health history they ask you.

Just asking you to consider carefully before you refuse any of the things that might reduce your paycheck even a few dollars.