The key to dealing with the age 65 issue is to mediacal out whenever you can. Take the LTD then do something on the side. Jump through whatever hoops they need you to but after that just enjoy the money while doing something else. Don't go out of way screaming for waivers or anything else. Just do what the Dr says and cash the freakin check each month. Let ALPA deal with it when this industry continues to go backwards.