Wanna talk about LTD and SL accrual? Every newhire is in a big hole for their first 5 years if they get sick. That's by design and needs to be fixed. Ive been here 2.5 yrs and have 40hrs in my bank. After a decade making peanuts at the regionals I'm trying to pay off accrued debts etc but cannot support myself off savings for 6 months. Giant hole in our coverage.