Originally Posted by Qotsaautopilot

I'm not misrepresenting the limitations of the policy. You have guys on this thread that are currently on our LTD plan that are verifying what I'm saying. Why would anyone on the R&I committee give anything other than facts? They have nothing to gain or lose by giving misinformation. My info came from TW anyway.

So what you are saying is that if you don't have a job that replaces 80% of your predisability wages then you are going to keep getting paid until 65?

What I'm saying is that if you went on LTD because you lost your medical but if after 24 months you are not "disabled" by disease or injury then you are "able" to go get trained/educated to obtain said "reasonable occupation". They (insurance company) don't care if you have that reasonable occupation, it's all about if you are able enough to be educated to get it.

Point being that you can be "able" to be educated to obtain a "reasonable occupation" but not qualify for a first class medical. What that gets you is indefinite unpaid medical leave from the Spirit seniority list and no LTD payment after 24 months. So that leaves me with 30 years of lost wages if I can never obtain a first class again.