I think the 60% figure is industry standard actually.

The difference is really about how long you'll be able to stay making that 60% of you can't get your medical back.

How long is the coverage for? Does it last til age 65?

Yeah thats what I was wondering... The fact you can spend 20 years somewhere just to lose your medical and never fly again and only be covered for 5 years is pretty horrific. Especially when others in the industry will cover you till age 65.

Nope, maximum of 5 years with a buy up. NC completely blew this off the last contract.

Weren’t you just at United :D
Colors at United

Allegiant is $7500/mo., max. Taxable. Plus you have to go on COBRA which for families is around $1700/mo. Figure on taking home around $4300/mo.

My buddy at AA just messaged me back. They are $8000 max just like us. I didn’t ask if it’s till 65 though. They are negotiating it in the new contract.

Most places you end up paying your benefits out of the policy.

I’m a UAL pilot, ours is woefully inadequate. Was 50% of your income to a max of $8000 a month cap (calculated at 85.5 hours a month - 1026 annually ) tax free no B fund contributions. In our pandemic LOA it went to a max cap of $11,000 per month. Ours pays until age 65 and is tax free due to the fact we use after tax dollars to pay for our portion of the premiums - about a 65/35 company/pilot paid premiums.

We are attempting to reach or exceed DAL LTD on our current negotiations. That have had their LTD since their old contract was negotiated over six years ago.

50% of income as determined by highest year of last three years, No Cap and 32% B fund contribution (to equal pre LTD 16% B fund contributions) till age 65. Theirs is taxable as the company pays 100% of the premiums.

LTD shouldn’t be a massive pay cut.

Thank you for posting info from other airlines.

I believe our union guys are preparing a comprehensive contract comparison document. These are very beneficial to have. To compare the good and the bad from around the industry.

I know that one of the reasons the automatic coverage to 65 has been hard for us to get is due to the fact that we are using a 3rd party insurance company. Some of the big airlines might be self insured? From what I was told, getting a 3rd party insurance company to cover to 65 would be extremely expensive, using a ton of negotiating capital. For something only a small fraction of the pilot group will ever use. Though choices

Own occupation LTD should be the goal here. United has it. What we have now offsets anything you make at another job dollar for dollar. It incentivizes Hartford to force you to apply for SSDI, even if there is no way you will qualify for it. By the way; The Hartford sucks. They go out of their way to make the process difficult.

If self-insurance at the big airlines is what allows for own-occupation, perhaps we should look at allying with the Spirits, JetBlues, etcetera, to create a big enough pool to make this possible.