Do you have to pay for your LTD?

SkyWest pays for the LTD and those benefits are taxed, and it cover months 7-24.. I believe you get 55% of your pay. STD pays 60% of pay and is tax free.

I went in for a medical a few years back feeling great and then didn't get to work again for nearly 4 months. Fortunately I had the 7 day STD plan an it paid out more than I'll ever pay in premiums until age 65. Getting the medical denied was a complete surprise.