Originally Posted by BKbigfish

Agree 100% While we made improvements with CBA 2018, our LTD still has some gaping holes that need to be addressed in the next CBA. Future income offset being the most glaring weakness in the current plan. Another problem is your 60% is based off your prior year’s W2. If you took an EIL and go out on disability in 2021, your benefit will be based off your reduced 2020 income until age 65 (assuming you lose your medical). Take a 3 month FMLA leave to care for a child or sick family member and then go out on LTD the following year? Tough. You are now financially punished until retirement age. The LTD benefit should be based off your highest W2 of the last 3 years to account for any single year income dips.