5 hours of sick leave a month.. 60 hours a year.
I wish we had your (current) program.
A couple of colds/flu a year, an ache and all of a sudden, you have used 30-40 hours in the year.
It will take you about 7 years to build up a buffer to get you to LTD based on normal sick usage. Less if you don't call in sick but fly sick!
Motch