Originally Posted by ACEssXfer

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.