They should overhaul the governance and make each application go through some review board or similar vetting. Maybe make it 12 months on LTD before kicking in. I like the idea of PMA but it is clearly being abused. I'll talk to my reps before opting out. I was on LTD for ~10 months in 2022 due to injury and did not pull from PMA because I didn't need it and am not a scumbag.