Wow, what is this "Delta Care Fund"? I've been working here 30+ years and never heard of it! Someone please PM me the name of the clown giving you the hard sell on that and I'll run it by a couple chief pilot buddies of mine, see who/what that's all about. Was it a pilot pushing this on you, or someone from HR?

I do highly recommend the Delta Pilot Mutual Aid membership. I've been in it since a new hire and had to use it twice for disabilities in the past 6 years (it sucks getting old!).

It's not much out of your paycheck and it'll be a great help if you have to use it years from now.