Originally Posted by CX500T

I have a feeling that if 67 passes DPMA will be pushed beyond the event horizon of claims vs income, especially if it coincides with a market downturn that hurts their investment and reserves.

I also think if 67 comes to be there will be some push for LTD to not be as nice as it is in either the next contract or them calling Force Majure during the next crisis.

I'm not an actuary but have some exposure to it.

In a nothing else changes world, where I'm on LTD at 60+ with a good 12/36 window, 67 would likely benefit me as long as I don't care about being a "pure WB" Captain. For me the ER is perfect. International is available but I can have days off I need if Im okay with Domestic/ Carribean.

But I know that I am in all honesty 97% likely to outlast the ER. So I plan for best, worse and most likely outcomes.

We're in the middle of selling our house in VA and moving to NJ, PA or NY. But when I'm running mortgage calculations I tell my wife "this is the max we can go and not lose house if I'm on LTD beyond DPMA limits" which is far less than what Im approved for *shoutout/thanks to McFly at Trident*

But 67 would be a net negative for the career.

Not a deadzoner but if we need to label everyone I am a Lost Decade/ Generation GenX guy.