I retired at 20, flew freight for a year and then spent 18 with UAL. I have passes based on my 18 years. I use Tricare as my medicare supplement. I get a few bucks from the PBGC for what was my United retirement. I assume new guys get nothing. Just get as much money in your B fund or whatever they call it now as you can. My miles retirement is my main source of income. It also really helped the first few years of airline pay. I have never been worse for money than when on active duty although I suspect that mil pay is a lot better now than when I was in.