For those at UAL, the LTD plan will cover you with no real need to purchase outside coverage.
The LTD plan is cheaper, as the company pays 65% of the cost and the LTD plan has better coverage.
The ALPA LOL is really for those that don't have a good collectively bargained alternative.
Also, some of the regional plans will have offsets from outside coverage netting you nothing in return for years of premiums.
Worth spending a lot of time looking at all plans to understand what,when and how they pay, in addition to exclusions and offsets