I’m a UAL pilot, ours is woefully inadequate. Was 50% of your income to a max of $8000 a month cap (calculated at 85.5 hours a month - 1026 annually ) tax free no B fund contributions. In our pandemic LOA it went to a max cap of $11,000 per month. Ours pays until age 65 and is tax free due to the fact we use after tax dollars to pay for our portion of the premiums - about a 65/35 company/pilot paid premiums.

We are attempting to reach or exceed DAL LTD on our current negotiations. That have had their LTD since their old contract was negotiated over six years ago.

50% of income as determined by highest year of last three years, No Cap and 32% B fund contribution (to equal pre LTD 16% B fund contributions) till age 65. Theirs is taxable as the company pays 100% of the premiums.

LTD shouldn’t be a massive pay cut.