Thanks fellas. I didn't realize that I had forgotten to talk about disability until I saw a quick reference about American's AIP today. Their new LTD will be 50% FAE tax free and will be pensionable. We aren't even in the ballpark with our max benefit of $13,600 per month tax free and NO retirement component.

For the young guys (and gals), LTD might not just be for heart attacks or cancer. You could break your wrist teaching your kid to skateboard, or get a couple of kidney stones, or fall off the ladder hanging Christmas lights. So LTD is important to get right for every one of our pilots from the most junior on up.

We significantly lag the industry in that area