Originally Posted by LeineLodge

1. This is old (3-4 years ago, but I think it's still abailable) - A free will preparation service is offered by Hyatt Legal Plans, a MetLife company, as part of MetLife's insurance services. This service provides eligible employees, retirees and their spouse/domestic partner with access to an attorney who participates in the plan for preparing or updating a will at no charge. All pilots who are eligible for company-provided basic life insurance are eligible for this MetLife service. For more information, check out the Will Preparation Fact Sheet under the Life and Other Insurances webpage on the Health & Insurances webpage on the Employee Connection portion of the DeltaNet. If you have questions about this service, please contact Hyatt Legal Plans toll-free at 800-821-6400

2. Most guys do the gold but it depends on your specific situation

3. I'd have to look at LTD. I honestly don't remember off the top of my head. It pays 50% of what you were making when you went out (there is a formula.) We also have DPMA (Delta Pilots Mutual Aid) which is basically like group self insurance. It will top off your LTD to bring you up to roughly 100% for up to a year for a single event. You have up to 24 months (so you could theoretically have 2 12-month periods at 100%) of benefit during your career for DPMA. It's voluntary and paid with after tax dollars. Something like 99% of all delta pilots participate. You have to choose when you're hired and if you decline you can never re-enroll. It is highly recommended.