APA Supplemental medical insurance
 

Any Thoughts?

Yeah, I'm ****ed that APA took away my industry leading short term disability for the simple reason that it was competing with plans the APA sells.

What the hell is a union doing selling insurance plans??

Well what did u vote? Aren't u a westie? If so yall voted yes by a large margin. Not that I care about east vs west crap as I dont, but I did get lectured in a west jumpseat about voting yes because of something USAPA . I yawned. Screw me both :)

But here we are- have to decide something. Is it worth the catch up sum from 55 plus a monthly for 80% of 20% ? I do know that I will buy something at 65 but not sure about this plan.

I am west.

I voted no, three times because it felt good.

A big problem with the west yes vote was misinformation that somehow voting yes to this gutted contract would hose usucka.

PHX union members have been management suckers for decades.

I'm convinced that pilots by and large are management and union suckers. F... anything APA makes a profit on. They have my dues to buy all the steak and wine they want.. and not one more nickel.

You fckin idiot, you would lose our std/ltd whether or not this contract passed.

F me for wanting to have a reasonable discussion.

They way PHX voted, you're right.

Thank you bobble-heads!!

AWA pilots, they never saw a management contract they didn't like....

If you are over 55:
A Member (excluding members recalled from furlough) who initially becomes eligible for coverage under the Plan after the Member has attained age 55 must pay contributions back to the date the Member attained age 55.

So you back-pay from your current age (if over 55) down to when you did turn 55.

As to the company's medical plan limit, I thought Obamacare got rid of plan/lifetime maximums.

Check out the Affordable Care Act, and call the Blue Cross/Blue Shield of Texas number on your insurance card to verify.

If this is so, you may want to consider additional disability or supplemental income insurance. APA's plan kicks you out after 5 years, you may want to look at something like Aflac.

Contact an insurance agent, let them look at the APA's offerings, and shop that against what the agent may come up with on the open market. Also, check resources like USAA and AARP for qualified persons.

I have several insurance plans through USAA, and while it's not the cheapest, from my experience it's been the best-est.

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....