Yep, I'm older than that but no where near my "twilight years". When I talked to guys I was flying with about LTD they usually didn't care, no one cares about it until it's too late. As bad as our ltd is it's better than what I had at my last company which is a big reason why I came here. What is sad however is that the regional I flew at was far better than this fiasco of LTD I have been dealing with. Principle is also a POS to deal with, good luck getting a hold of anyone ever, takes about a week to call you back. Then there is always the never ending paper chase they have you go on, once you give them that they want something else. So it's never just the waiting period of 3 months then they start paying as someone else said they drag their feet as much as possible. Which is really helpful after you have had basically no money coming in for months.