at $20/month the back premiums for 5 yrs is??
$2400? my math says $1200.

One of our pilots (out on disability himself for several years now), worked with Lloyd's of London to design a supplemental Loss of License policy for UPS pilots. They introduced it last year and I heard it was very successful. (I enrolled.) He told me they were going to introduce a similar policy for some of the majors, which looks like happened on January 1st.

Ours (UPS) is a flat amount for either CPT or F/O since our payscales are fairly simple. This is how he explained the other airline's design; there are many variables due to the different payscales and equipment at the various airlines and the different disability policies, but what it does is get you up to 75% of your previous guarantee. The premiums are based on age and selected benefit payout. I checked out the link and did some basic research with the sliding scale calculator:

https://app.piu.org/piu7/Pilot

An American pilot, 45 years old, with an income of $250,000 can get a benefit of up to $7625 per month supplemental income for a premium of $215 per month. Because American's LTD is 60% but capped at $8000 per month, this policy augments that to get you up to 75% with NO cap.

A Delta pilot, 45 years old, with an income of $250,000 can get a benefit of up to $5208 per month for a premium of $155 per month. Delta's LTD policy is 50% but no cap. Again this policy gets you up to 75% of previous income.

United numbers work out the same as American since they are also capped at $8000 per month. Although their LTD percentage is only 50%.

FedEx LTD is 60%, capped at $12,500 per month so there is a 15% gap to fill.

SWA LTD is 66 and 2/3s capped at $12,500 so the gap is only a little over 8% but the cap affects the higher income guys.

For us UPS guys, this was a no brainer.

You see....you really DON'T need the APA to get better plans. The market place will do better! Just saying....