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Airline Pilot Central Forums (https://www.airlinepilotforums.com/)
-   Major (https://www.airlinepilotforums.com/major/)
-   -   Delta New Hires/Class Dates/Cleared to Train (https://www.airlinepilotforums.com/major/52315-delta-new-hires-class-dates-cleared-train.html)

johnso29 09-06-2010 11:35 AM
Originally Posted by Pineapple Guy (Post 866648)
You do have to be active (or on disability), although if you go inactive (furlough, MLOA, etc) you get it for 30-60 days. You can also purchase it after that period expires, if desired. It covers you regardless of reason for death with the only exception being if your death was caused by a beneficiary. In that case, the insurance still pays, just not to that particular beneficiary.
Thanks for the clarification PG. :)

Now it's time to show this to my wife. :p

acl65pilot 09-06-2010 12:46 PM
Originally Posted by Pineapple Guy (Post 866647)
acl, actually the amount that shows on your paycheck is the amount of imputed income. The actual tax on the life insurance benefit is equal to your marginal tax rate times that imputed amount. For example, a typical 32 year old would have $18.87 show up on each paycheck. If he's in the 34% tax bracket (fed and state), that would equate to $6.42/paycheck in actual tax (cost).
Ya know, I knew you would be coming around and putting out the accountant version! :D

I was trying to give a grade school answer, but you are correct. I bet this now makes more sense to everyone. :cool:

That said, as I have stated, anything over 50K in a policy paid for by the (a) company will have "a" charged to you. Nothing different than if you were getting the same policy from another employer somewhere else.

I would definitely trust PG on this stuff.

Columbia 09-06-2010 01:24 PM
Do many at DL have memberships at the Sky Club (no, not mile high)?

DAL73n 09-06-2010 01:58 PM
Originally Posted by Rick1johns (Post 866051)
Yeah, I'm wondering what the cost is. I assume that I can't beat the cost on my own which means I go with the Delta plan. If that's a bad assumption, I would need to arrange for insurance beforehand(or take the risk for the uncovered period before getting it).
Check out some personal term insurance - any web based insurance site will give you some idea of how much term is. It's not very expensive and as long as you're healthy it will be cheaper than Delta's group term or ALPA's group term. The advantage to Delta/ALPA is you don't have to qualify (no physical for their group insurance).

DAL73n 09-06-2010 02:01 PM
Originally Posted by DLpilot (Post 866068)
You cannot opt out of the Delta plan. It automatically comes out of your check.

That's true for the base life insurance - you can buy additional insurance for youself and your dependents WITHOUT qualifying. Can be very useful if you don't want to go through the hassle of fully underwritten term insurance.

acl65pilot 09-06-2010 02:03 PM
You can buy access to the Sky Club like every other employee. That or qualify on miles you earn buying "Fly Confirmed for Less" tickets.

cni187 09-06-2010 02:05 PM
Anyone got good gouge on the uniform companies? Which ones better etc,etc,etc

johnso29 09-06-2010 02:16 PM
Originally Posted by cni187 (Post 866698)
Anyone got good gouge on the uniform companies? Which ones better etc,etc,etc
Many guys like Abbott, but I have M&H and it is holding up great. Remember you're only required to wear you blazer about 4-5 months out of the year so they hold up pretty good.

Columbia 09-06-2010 02:35 PM
Originally Posted by acl65pilot (Post 866697)
You can buy access to the Sky Club like every other employee. That or qualify on miles you earn buying "Fly Confirmed for Less" tickets.
Thanks-I understand that you have to pay for it, however, I am just curious as to whether many find utility in a membership. Thanks.

Pineapple Guy 09-06-2010 02:58 PM
Originally Posted by DLpilot (Post 866068)
You cannot opt out of the Delta plan. It automatically comes out of your check.
Actually, you can. You get an opportunity at every open enrollment in the fall. As an FYI, last year less than 1% did opt out (or down).


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