Originally Posted by sailingfun

Two key points you did not mention in discussing disability programs are who funds the program. Is it pilot funded or company funded or a combination. The second consideration is how is the earnings calculation is made. Is it 50% of actual earnings, 50% of 75 or 80 hours ect..
Retirement was mentioned and is another important consideration. Delta for example pays 32% of disability payments into the DC plan effectively giving a pilot the exact same contribution as if he was working.