Originally Posted by rickair7777

Part of the rub, much beyond age 60, is that everyone who is younger will experience some slowdown in seniority progression.

But there's no guarantee, for a specific individual, that he will have the health and stamina to take his own turn at age 65+. So you suffer some consequence but don't necessarily see any benefits.

And I'm willing to bet that most or all LTD programs specify "age 65" not "retirement". So LTD isn't going to be an option past 65 until/unless CBAs get re-negotiated.