According to the Spirit HR office, our LTD goes to SS retirement age as long as you don't have previous experience, training or education in a field that could pay you 80% of your pre disability base earnings. In all cases, you get 24 months essentially unquestioned, after which the ins company will try to find a way to prove that you are otherwise able to earn that 80%. *

According to the SPA ALPA NC Contract Comparison distributed to the group in early June, HR is correct.

Has anyone here gone past 24 months? If so, what did the Ins co do after that time period.

I'm about to apply for LTD, but I hope to be back at work before it even kicks in, BUT even though I don't expect to be affected this time, this is a serious issue that needs attention in negotiations. If our LTD is only good for 24 months we definitely need to fix that.

* I was off for 18 months in 2003 and 2004, the policy DID work this way back then. But, the policy administrator has changed twice since then. We shall see. My experience with the current Spirit HR has been exceptional. From what I read, the problem will occur with the principle financial people.