Originally Posted by
Et tu Bluto
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.
+1 for this. What do you expect, to be paid more while out on disability than while working? That's not the point of the insurance at all, and I know many a pilot at Comair that I worked with that thanked their lucky stars for ALPA disability insurance making them whole and allowing them to keep their houses after having a illness strike.
Probably about the only good thing ALPA offers, but that's a whole different topic
