FYI, the old Harvey Watt plan would not pay after you turned age 60. Consequently, when I turned 58, with the 2 year exclusion period it would not pay out and I canceled it. The new ALPA plan will pay until age 65 so I am planning on getting back on the new LTD plan.

JJ. I'd like to add my thanks for a very well thought out discussion of taking LTD over retirement.