That's a really good question and one I've never considered, so it forced me into the books, or more specifically, into the Pilot Benefit Book, and the Disability Tab Section. Here's what it says:

When Benefits End:

Your benefits end on the earliest of the following:

• The day you recover from your disability
• The day you are no longer under the direct care and treatment of a health care professional
• The day your employment is terminated, including retirement or death
• After receiving 24 months of benefits under this Plan, if your disability is an
occupational disability or is due to a mental impairment or nervous condition
• At age 65 if you commenced your disability prior to 10/30/06 and are deemed to be totally disabled. If your disability commenced prior to 10/30/06, began at age 60 or older, and you are deemed to be totally disabled, disability benefits cease after 5 years
• The day you fail to furnish or authorize the release of requested medical
information within the time specified by Aetna
• The day you refuse or fail to participate fully in an independent medical exam requested by Aetna
• The day you return to work for FedEx in a permanent position
• The day you return to a seat change or non-pilot position
• The day you fail to seek restoration of required license to return to work or fail to do anything requested by Aetna
• The day the LTD Plan is discontinued pursuant to the terms of the Collective
Bargaining Agreement or any successor collective bargaining agreement

So, although not being a lawyer or having stayed at a Holiday Inn Express, the way I read this is if someone goes on LTD after they're 65th birthday, they get 5 years max disability payments.

I would recommend that we all review this section of the PBB, because it may be very important at some time in the future for almost any of us, because as the financial disclaimer goes: passed performance does not predict future performance (a little poetic license, please.)

JJ