I came back too early twice, but never was off over 3 months to get LTD. Just under 3 months both times. I should have stayed off both times.

But the other comment is also very very true. The more lucrative the benefit, the more people will use the benefit, and for longer. That costs those that aren't on it premium money.

I believe this would fall under the "law of unintended consequences". What are we willing to pay? Over 50, I can't believe 100% of us couldn't have a valid reason to not pass a medical, if not a half a dozen "conditions".

I am not sure what the best compromise is as far as premiums/benefits.

As a side not I can easily live on 8k a month. I have only made more than that after tax about 6 years out of 22 at United. I am 2 months from 55, have never even thought of being able to afford a vacation home, or airplane. The job has not been that secure.