Some thread drift...and I'll probably get massive amounts of flak for this, but if one is capable working after four years, they probably ought to start working again in a different area. I couldn't see myself collecting disability indefinitely, for an issue that prevents me from flying, but doesn't prevent me from working. I wouldn't be able to look myself in the mirror; I want to be a producer. Again, I'm talking about an otherwise fully able bodied person here.

There is no free lunch on this, LTD costs money and has to be accounted for by a reduction elsewhere in the contract.