View Poll Results: Will you supplement LOL?
Voters: 76. You may not vote on this poll
SWAPA STD/LTD
03-31-2024, 09:28 AM
#31
Gets Weekends Off
Joined APC: Aug 2015
Posts: 806
Originally Posted by flyguy81
I’m as Junior as it gets. For Feb I bid rsv. Picked up a 3 day from TTGA to carry in to March for overlap so that’s 1 day OT. Lost 2 days off due to rsv block overlap from Jan/Feb. so went from 15 to 12 off. Unused for 3 rsv days. 20 nights in my bed, Blocked 66, credit 146. LCO on 2 trips that paid 27 tfp.
I usually pick up 2-4 days a month to get credit around 115-120. Scheduling does the rest. Too jr for premium so most of my adds are TTGA or easy low block HOT stuff bid straight….2 day with 1-2 legs day 1 and dhd back that pays 13 and blocks 3-6.
I try to keep block to around half of credit. I’ll pass on a 3 day that blocks 18 and pays 23 for one that blocks 14 and pays 21 with a dhd so I can add something else later.
I usually pick up 2-4 days a month to get credit around 115-120. Scheduling does the rest. Too jr for premium so most of my adds are TTGA or easy low block HOT stuff bid straight….2 day with 1-2 legs day 1 and dhd back that pays 13 and blocks 3-6.
I try to keep block to around half of credit. I’ll pass on a 3 day that blocks 18 and pays 23 for one that blocks 14 and pays 21 with a dhd so I can add something else later.
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.
03-31-2024, 09:39 AM
#32
Gets Weekends Off
Joined APC: Oct 2006
Posts: 2,863
Originally Posted by RJSAviator76
This.... What if you're gorked out and need daily professional help? How much does that cost and does Regular Plan cover that? Everyone seems to think it'd be something silly like bang your head, FAA grounds you for 5 years and you get to retire early and working doing something else.... Sure, that can happen. But what if something worse happens to you?
I'm maxing it all out.
I'm maxing it all out.
03-31-2024, 09:53 AM
#34
Gets Weekends Off
Joined APC: Apr 2013
Posts: 3,469
Originally Posted by symbian simian
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
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.
03-31-2024, 10:07 AM
#35
Furloughed Again?!
Thread Starter
Joined APC: Aug 2007
Position: Boeing 737
Posts: 4,796
Originally Posted by symbian simian
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
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.
03-31-2024, 10:18 AM
#36
Line holder
Joined APC: Nov 2013
Position: On the bus,seat 0A
Posts: 3,240
Originally Posted by ZapBrannigan
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.
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.
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.
03-31-2024, 11:00 AM
#37
Gets Weekends Off
Joined APC: Mar 2017
Posts: 3,670
Originally Posted by ZapBrannigan
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.
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.
03-31-2024, 02:59 PM
#38
Gets Weekends Off
Joined APC: Oct 2006
Posts: 2,863
Originally Posted by symbian simian
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.
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.
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.
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