Originally Posted by Slats Extend

When we (LUAL) only had Alpa LTD available, I bought it. As soon as this new LTD plan was offered, I dropped the Alpa LTD insurance like a used prophylactic...

IMHO the only folks who should not take this new LTD plan are those who have enough in their sick bank to take them to normal retirement age if they happen to have something happen to cause them to lose their medical happen.