I believe industry standard LTD is at least 50% of current wages until retirement age. This benefit is not offset by any future earnings from another career and is payed as long as you are unable to hold a first class medical. I am 32 and fully understand the potential financial implications of a robust LTD plan. If anything, this should be more important to the younger guys than the older guys, considering how many years of lost earnings you are looking at if you lose your medical.

It worries me that only a very small portion of our pilot group seems to be concerned with this issue. LTD/STD should be one of our top priorities going into contract negotiations.