FTv3

Fully insure your income:

We have a short term disability plan called mutual aid that bridges the pay gap between sick time, leftover vacation time and the time LTD kicks in. Both pay 60-something % of your income but it’s non taxable so it comes out to roughly the same take home amount and goes to retirement (with exceptions). We have a supplemental LTD that covers the Bfund payments you’d be losing while you're out. The AD&D and supplemental AD&D, loss of license insurance, and life insurance for you and your spouse cover the other cases. With the higher FO pay scales here, you can max all these out to get maximum benefit without putting much of a dent in your pocket.