This is the way when you are junior. My TFP totals and block time is in the same range.

The cash money is on weekend 4 day PM reserve. I only had one reserve block "blow up" this month but once it gets busier and the summer weather starts that will get better.

There is so much soft time in this contract...I think I hit every override at some point this month.

Sure there’s a lot of what if’s. Max income replacement under old plan was $13.5k with offsets. If I get knocked out of the cockpit I’m taking in double that with NEC mostly all tax free. With only the mortgage and utilities for bills…how much does one need? $325k is more than the majority of the population brings in in a year and that’s a high earners cut of LOL + NEC. An extra 30-50k might be nice…but it comes down to how much do you really need? If you think maxing it all out is worth it…go for it.

And no medical exam forA/B if you open enroll now, but if you enroll later there might be. Could be a reason to do it now for people that have had health issues before. FWIW/CMIIW/IANASWP

This is another excellent reason to take it now. If you have reason to doubt you can get through a SOH later on.

I am curious to see how many folks go out in the next 12 months. It's going to be a high number. You can never stay in another crappy hotel and enjoy the same standard of living for the rest of your working years. That's a huge incentive.

Let's say you do nothing and they sign you up for STD and LTD-A. If you wanted to switch to LTD-B at the next open enrollment will that require an SOH?

Also, what do you think they're going to do about the NEC problem?

An extra 17% is nice but not getting taxed on it and putting it into my 401K would've been better.

I am not SWA, someone in my house is, so don't rely on me for all the details. I would think that going from A to B or back would be seen as a change within the coverage policy without needing a SOH.

And at the eye watering amount we give to the IRS, yes. Not sure if they can do anyting about the non taxable amount. But I guess you will have to pay tax at some point, so at least as you get it over with now, you know how much you have, without having to worry about tax rate changes in the future.

To your first question, yes if you want to swap later to the -B it requires the SOH, at least per the podcast.

They told us only AA has a nontaxable LOL option so DL/UAL don’t have this issue. Obv I’d love to have the $ put into my 401k…so hoping they can get a IRS exemption or something down the line.

If I’m bringing in half my monthly earnings…I don’t want to pay taxes on that $200k+ just so the $6700 goes into the 401k. I’d much rather pay taxes on the $70-80k NEC at a much lower tax bracket and take the $200k tax free. So I’m not switching from non-taxable.

Suppose you could put the $ into T-bills or CD’s or invest in the stock market in a S&P 500 type fund if you want to keep the portfolio growing if you’re out.

How do we change our enrollment? Swapa or SWA websites?

Its a SWAPA product...check your email. Open enrollment info was just sent out.