the LTD plan I got (company's) 60% of pay(no tax) after 4 moths off. with my sick and vacation time I can get by for 6 months with no problems and I might still have a bout 1 mo of sick time left before having to burn any LTD. Had I had this when I lost My Medical I might still be flying. I needed 6 months to recover and I didn't have it. I recommend you don't short change yours for a matter of a few bucks. Buy a few fewer Starbucks Latte's and you'll never know the difference. Always overspend to be SAFE is my recomendation.