Schedule flexibility
#44
Gets Weekends Off
Joined APC: Oct 2013
Posts: 1,666
"the company pays for a $5,000 benefit monthly, and you can "buy-up" an additional 10,000 for a total LTD benefit of 15,000 (until 65)"
Frontier pays 60% of base pay up to $8k max monthly with no option to buy up the coverage. Also limited to 2 years own occupation but you can buy up to 5 years own occupation.
#45
Gets Weekends Off
Joined APC: Dec 2012
Posts: 2,093
According to a thread from 2018 in the Spirit forum:
"the company pays for a $5,000 benefit monthly, and you can "buy-up" an additional 10,000 for a total LTD benefit of 15,000 (until 65)"
Frontier pays 60% of base pay up to $8k max monthly with no option to buy up the coverage. Also limited to 2 years own occupation but you can buy up to 5 years own occupation.
"the company pays for a $5,000 benefit monthly, and you can "buy-up" an additional 10,000 for a total LTD benefit of 15,000 (until 65)"
Frontier pays 60% of base pay up to $8k max monthly with no option to buy up the coverage. Also limited to 2 years own occupation but you can buy up to 5 years own occupation.
Last edited by fcoolaiddrinker; 09-18-2021 at 10:37 AM.
#46
Line Holder
Joined APC: Sep 2018
Posts: 38
I’ve heard mentions of “loss of medical” insurance. Is this the same as LTD?
I have LTD through my current employer (non-aviation) but I also have my own policy through Northwestern Mutual. The coverages actually stack, so I would get paid out by both if I had a qualifying disability.
Point being you can get decent LTD coverage outside of employer benefits for reasonable expense (mine is less than $50/mo) and well worth it to protect my income.
I have LTD through my current employer (non-aviation) but I also have my own policy through Northwestern Mutual. The coverages actually stack, so I would get paid out by both if I had a qualifying disability.
Point being you can get decent LTD coverage outside of employer benefits for reasonable expense (mine is less than $50/mo) and well worth it to protect my income.
#47
Gets Weekends Off
Joined APC: Dec 2012
Posts: 2,093
I’ve heard mentions of “loss of medical” insurance. Is this the same as LTD?
I have LTD through my current employer (non-aviation) but I also have my own policy through Northwestern Mutual. The coverages actually stack, so I would get paid out by both if I had a qualifying disability.
Point being you can get decent LTD coverage outside of employer benefits for reasonable expense (mine is less than $50/mo) and well worth it to protect my income.
I have LTD through my current employer (non-aviation) but I also have my own policy through Northwestern Mutual. The coverages actually stack, so I would get paid out by both if I had a qualifying disability.
Point being you can get decent LTD coverage outside of employer benefits for reasonable expense (mine is less than $50/mo) and well worth it to protect my income.
Thanks for the info however It’s my understanding that not all Ltd policies are compatible. Make sure they are before purchasing an outside one. You might just be reducing the Hartford benefit. I believe Alpa’s is compatible but would verify before purchasing. Maybe someone with the Alpa will chime in? Also, I don’t think you can ever get above 60% replacement even when combining. Could be wrong.
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