Own occupation LTD should be the goal here. United has it. What we have now offsets anything you make at another job dollar for dollar. It incentivizes Hartford to force you to apply for SSDI, even if there is no way you will qualify for it. By the way; The Hartford sucks. They go out of their way to make the process difficult.

If self-insurance at the big airlines is what allows for own-occupation, perhaps we should look at allying with the Spirits, JetBlues, etcetera, to create a big enough pool to make this possible.