I've used the LTD here. You need to be employed for 365 days before you're eligible for LTD benefits. So get hurt or sick prior to 365 you're SOL. After 1 year you're good to collect LTD. It does suck though.

In my case my first check showed up at the 5 month mark not at 90 days. I was back paid for the time, but just an FYI. They start processing at 90 days and it's a ridiculous process of we need this, we need that, we didn't get that, send it again...

It is also taxable income since the company pays for it so be prepared to payback when tax time comes. You have the option to defer the taxes to get more cash in your wallet if need be. It pays up to $5,000 a month if that equals 60% of your 72 hour guarantee. I was an FO at the time so my take home without taxes removed was ~$3,600 a month.

Don't forget after 9 months we're kicked over to COBRA for your health benefits. After 6 months your pay longevity freezes also. So vote wisely if we see a new TA in the future.

If you work a different job during your time off that income will be deducted from your LTD payment. They will do anything they can to not pay you!

Hope this helps a bit. Buy up if you can! The old method was ridiculous for buy up.