Originally Posted by
hockeypilot44
To keep it simple, Delta pays 50 percent of your salary until 65 years old. They give 32 percent of disability payment into 401k (keeps retirement whole). Almost all pilots subsidize this with DPMA which keeps your pay whole for the first year on long term disability.
Delta's plan is the best in the business. It has no cap (Spirit's cap is $15k) and has no offsets (for other sources of disability insurance or even other work income after three years disabled). But Spirit's new one is pretty good overall.