Originally Posted by
flap
Any Regional Pilots that have a contractual disability plan, should look closely at the contractual offsets for that plan.
Many pilots are paying good money for ALPA disability insurance that will only serve to be offset from the company plan netting no additional income.
Take the time to look at offsets, and disabilty qualifications to see if you are truly getting any bang for your buck, or just throwing your money away.
The concept is called subrogation. These types of policies are intended to make one "whole", not realize a windfall from being on long term disability. But that is good advice, people should closely examine the provisions of their policies before laying out money for coverage.