Originally Posted by
The Juice
Believe the waiting time to qualify for LTD is a year (so employed here for a year), but still will pay out 90 days after your disability.
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Can't imagine many of our pilots have 365 days of "rainy day" funds saved in sick time and in the bank.
Looks like the 365-day requirement is only for your first year of employment. Can't get hired and 3 months later go on LTD. Once you've been here a year this restriction no longer applies and you need only cover the 90 days until LTD kicks in.
Max sick bank is 400 hours which gets you 5 and a half months at guarantee IF your sick bank was full. Who has that? 216 in your sick bank gets you to LTD.