FDX MEC disability coverage versus ALPA
04-30-2013, 11:25 PM
#22
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Joined APC: Jan 2006
Posts: 2,838
Originally Posted by MX727
I don't think you looked at the website before answering. I wasn't asking about the plans or which is better or how they work. The amount I'm referring to is the annual premium.
The premiums increase if your monthly pay increases.
Also there is No set $$ benefit. The benefit fluctuates based on the previous 12 months salary. You make more, you pay more.
IF You make more your benefit, should you need it, is more.
05-01-2013, 04:46 AM
#23
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Joined APC: Dec 2007
Position: Retired
Posts: 404
Take a look at the Pilot Benefit Book (that book that came a few months ago and you threw in your bottom desk drawer) in the section labeled Disability. It explains the FedEx Long Term and Supplemental Disability plans that you receive from the company. Once you understand what you already have, you can go searching for additional coverage. With what the company provides (at no cost), you may not need any additonal coverage. Everyone's situation is different and no one plan fits everyone.
JJ is the resident expert on LTD.
JJ is the resident expert on LTD.
05-01-2013, 05:40 AM
#24
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Joined APC: Aug 2006
Position: 1559
Posts: 1,533
Originally Posted by RedeyeAV8r
Yes I looked at the Website. What I tried to explain is, there is no Set monthly premium for the MEC LTD supplemental plan. It is a MEC policy specifically tailored to our contract and our LTD within the contract.
The premiums increase if your monthly pay increases.
Also there is No set $$ benefit. The benefit fluctuates based on the previous 12 months salary. You make more, you pay more.
IF You make more your benefit, should you need it, is more.
The premiums increase if your monthly pay increases.
Also there is No set $$ benefit. The benefit fluctuates based on the previous 12 months salary. You make more, you pay more.
IF You make more your benefit, should you need it, is more.
05-01-2013, 08:33 AM
#25
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Joined APC: Sep 2006
Posts: 108
FedEx LTD premiums are calculated solely on your earnings, therefore they don't provide your annual premium. That will be blank.
Your monthly premium is calculated based on previous months earning and is calculated at .395% of your previous months earnings.
Your monthly premium is calculated based on previous months earning and is calculated at .395% of your previous months earnings.
05-01-2013, 08:41 AM
#26
Line Holder
Joined APC: Aug 2007
Position: Bent over by Terrible Agreement
Posts: 63
Denied coverage?
Hey guys
Has anyone here been denied disability coverage by the MEC provider?
I just applied and was denied due to an existing condition (herniated cervical disc).
If anyone else experienced this I would appreciate a "plan B" input.
Thanks
Has anyone here been denied disability coverage by the MEC provider?
I just applied and was denied due to an existing condition (herniated cervical disc).
If anyone else experienced this I would appreciate a "plan B" input.
Thanks
05-01-2013, 08:50 AM
#27
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Joined APC: Aug 2006
Position: leaning to the left
Posts: 4,184
Originally Posted by FlyByNyte
FedEx LTD premiums are calculated solely on your earnings, therefore they don't provide your annual premium. That will be blank.
Your monthly premium is calculated based on previous months earning and is calculated at .395% of your previous months earnings.
Your monthly premium is calculated based on previous months earning and is calculated at .395% of your previous months earnings.
05-01-2013, 08:54 AM
#28
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Joined APC: Apr 2006
Position: MD-11 Captain
Posts: 4,304
Originally Posted by IrishSkies
Hey guys
Has anyone here been denied disability coverage by the MEC provider?
I just applied and was denied due to an existing condition (herniated cervical disc).
If anyone else experienced this I would appreciate a "plan B" input.
Thanks
Has anyone here been denied disability coverage by the MEC provider?
I just applied and was denied due to an existing condition (herniated cervical disc).
If anyone else experienced this I would appreciate a "plan B" input.
Thanks
During the current ALPA Open Enrollment period you can apply without condition. You only have to sign a statement saying that you currently hold a FIRST CLASS medical. If you file for benefits during the first 3 months of coverage, then they go looking at medical records to see if it was a "pre-existing condition."
At least I think that was what the lady at ALPA Benefits told me ...
05-01-2013, 09:16 AM
#29
Line Holder
Joined APC: Aug 2007
Position: Bent over by Terrible Agreement
Posts: 63
Originally Posted by MaydayMark
During the current ALPA Open Enrollment period you can apply without condition. You only have to sign a statement saying that you currently hold a FIRST CLASS medical. If you file for benefits during the first 3 months of coverage, then they go looking at medical records to see if it was a "pre-existing condition."
At least I think that was what the lady at ALPA Benefits told me ...
At least I think that was what the lady at ALPA Benefits told me ...
Thanks for the input, I'll have to give them a call......with my first class medical in hand.
Thanks a million
05-01-2013, 01:06 PM
#30
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Joined APC: Aug 2006
Position: B777 FO FDX, C130 ANG
Posts: 538
I'm not showing the LTD-FDX insurance that lacks a premium amount on my plan. Is that an additional insurance that I would have to sign up for with ALPA? I thought our insurance for LTD was part of the contract at 60% for 2 years and %50 there after until retirement. Obviously many of us find our disability stuff a bit fuzzy here.
Thanks,
Current Insurance
Insurance Program Start Date Coverage Premium
DLS Guardian - US 06/01/2012 xxxxx, xxxxx
ALPA Loss of License - VEBA 06/01/2012 xxxxx, xxxxx
Group Term Life Member (Non-Smoker) 11/01/2012 xxxxx, xxxxx
Thanks,
Current Insurance
Insurance Program Start Date Coverage Premium
DLS Guardian - US 06/01/2012 xxxxx, xxxxx
ALPA Loss of License - VEBA 06/01/2012 xxxxx, xxxxx
Group Term Life Member (Non-Smoker) 11/01/2012 xxxxx, xxxxx
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