I remember reading the literature about the ALPA LTD insurance and thought at the time, "it would never happen to me." Quite a stupid thought, in retrospect. However, that said, I also remember not liking the fact that one had to wait a full year before the payments would start, and that they were then limited to 48 months of payments, or less, depending on ones age when they went out. I remember thinking, instead of this "loss of license" insurance, I'd just go out and buy a private disability income policy, which I of course then didn't. Oh well.

JJ