Originally Posted by
Qotsaautopilot
You are right about what own occupation is. However most airline LTD policies ARE own occupation. We were one of the few that were not prior to contract 2018. Now, what income offsets the benefit and many other details are what vary widely.
Heck even XJT had own occupation with no offsets for outside income. You could be a full time instructor at flight safety and still get your 60% of an 80hr guarantee.
I don’t know if delta has outside income offsets but they get their full 401k DC while on LTD and not based on their LTD income but their normal guarantee.
Not getting healthcare after five years, and income offsets, and no retirement are things we need to address.
Yeah, most airlines are NOT own occupation. Outside of the Big 4,5,or 6 (whatever the grouping of the week is) it’s not as prevalent as you like to make it seem it is. Read Frontier’s LTD language to start.
You want big things like no income offsets, medical lasting past 5 years, and retirement contributions? You better get more than 40 pilots to show up and participate next go around. If this group wants a big boy contract, they will need to put more effort in.