Originally Posted by
Packrat
The big downside is that at some outfits you lose the option to take a lump sum retirement payout. You are pension only. Most pensions do not have cost of living escalators.
That might be a factor for CAL guys with a frozen A-fund, but UAL guys own all of their B-fund so I don't think there would be a problem with a rollover with all normal requirements met.
One factor to consider with LTD is that there are no contributions made to the B/C fund, all company contributions stop. In addition, pilots are required to pay their own medical/life insurance premiums. The early out program offers retirement payments and payments into RHA.