Spirit Benefits Comparison
#11
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Joined APC: Feb 2011
Posts: 657
Also if I remember right (and I don’t know if anyone found the answer out) if you have a loss of liscense policy through alpa then you couldn’t collect on both (ltd and loss of liscense).
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#12
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Joined APC: Sep 2018
Posts: 196
Decision: The arbitrator held that the evidence was insufficient to demonstrate how Aetna would have interpreted and applied its plan document, and any improvement under the successor Principal plan did not serve to raise the "floor" for the level of benefits required to be provided under the 2010 CBA. As a result, the arbitrator denied ALPA's claim that any offset for other group disability benefits violated the CBA.
#13
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Joined APC: Oct 2010
Posts: 4,603
What consideration of the policy's "deductible sources of income" are you referring to; that will offset?
The policy lists 8 deductible sources of income in which it will offset against your LTD payment. Which one do you feel references getting a job, say as a realtor, as a deductible source of income?
Because all I see is offset for amounts relating to social security disability, workers comp, and the such.
The policy lists 8 deductible sources of income in which it will offset against your LTD payment. Which one do you feel references getting a job, say as a realtor, as a deductible source of income?
Because all I see is offset for amounts relating to social security disability, workers comp, and the such.
We did just get an email regarding a recent arbitration. I don’t know if was just regarding income from other insurance plans. It said if we had other income before the disability that it wouldn’t offset, but new income after the disability would offset. I certainly could’ve misunderstood that. I don’t know if they were referring to wages, investment income, 1099, or other insurance only. I’m thuroughly confused now.
All the better if we are never able to hold a medical again we can go get a job at Flight safety or Home Depot or be a realtor and not have our benefit reduced. That should be a must.
Now, getting that DC while on LTD, we need that!
#14
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Joined APC: Sep 2018
Posts: 196
I’ll be honest and say you are more informed than I. I am just going of what was said at the road show when the question was asked. I have not read the actual policy. I do use roadshow answers as fact. It’s certainly possible that I misunderstood.
We did just get an email regarding a recent arbitration. I don’t know if was just regarding income from other insurance plans. It said if we had other income before the disability that it wouldn’t offset, but new income after the disability would offset. I certainly could’ve misunderstood that. I don’t know if they were referring to wages, investment income, 1099, or other insurance only. I’m thuroughly confused now.
All the better if we are never able to hold a medical again we can go get a job at Flight safety or Home Depot or be a realtor and not have our benefit reduced. That should be a must.
Now, getting that DC while on LTD, we need that!
We did just get an email regarding a recent arbitration. I don’t know if was just regarding income from other insurance plans. It said if we had other income before the disability that it wouldn’t offset, but new income after the disability would offset. I certainly could’ve misunderstood that. I don’t know if they were referring to wages, investment income, 1099, or other insurance only. I’m thuroughly confused now.
All the better if we are never able to hold a medical again we can go get a job at Flight safety or Home Depot or be a realtor and not have our benefit reduced. That should be a must.
Now, getting that DC while on LTD, we need that!
Yup, that’s right, I’m gonna do 2 chicks at once.
#15
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Joined APC: Feb 2011
Posts: 657
Yes. We lost the arbitration that claimed offsetting the LTD against another form of disability payment was a reduction in benefits, since this wasn’t the case with a prior insurer.
Decision: The arbitrator held that the evidence was insufficient to demonstrate how Aetna would have interpreted and applied its plan document, and any improvement under the successor Principal plan did not serve to raise the "floor" for the level of benefits required to be provided under the 2010 CBA. As a result, the arbitrator denied ALPA's claim that any offset for other group disability benefits violated the CBA.
Decision: The arbitrator held that the evidence was insufficient to demonstrate how Aetna would have interpreted and applied its plan document, and any improvement under the successor Principal plan did not serve to raise the "floor" for the level of benefits required to be provided under the 2010 CBA. As a result, the arbitrator denied ALPA's claim that any offset for other group disability benefits violated the CBA.
That’s what I thought..Does anyone know then if the company will then pay me back for all the premiums I’ve paid for my loss of of liscense policy from alpa throughout the last 15 (or so) years now that all that money I’ve spent is useless?
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#16
That’s what I thought..Does anyone know then if the company will then pay me back for all the premiums I’ve paid for my loss of of liscense policy from alpa throughout the last 15 (or so) years now that all that money I’ve spent is useless?
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It's not useless, if you had lost your license in the past 15 years you were covered.
#17
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Joined APC: Sep 2018
Posts: 196
That’s what I thought..Does anyone know then if the company will then pay me back for all the premiums I’ve paid for my loss of of liscense policy from alpa throughout the last 15 (or so) years now that all that money I’ve spent is useless?
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And as someone who has had insurance with ALPA; they have been great in answering my questions and being knowledgeable about the products offered.
#18
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Joined APC: Feb 2007
Position: Airplanes
Posts: 1,378
#19
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Joined APC: Nov 2012
Position: 1900D CA
Posts: 3,394
Frontier guy here.
Can someone please explain the 321 override to me please? I understand it depends on the number of 21s in the fleet and that number can and will change. What is the current %override from the rates posted in the airline profiles section of this site?
Thanks.
Can someone please explain the 321 override to me please? I understand it depends on the number of 21s in the fleet and that number can and will change. What is the current %override from the rates posted in the airline profiles section of this site?
Thanks.
#20
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Joined APC: Nov 2008
Position: Citation, left seat
Posts: 345
It varies slightly month to month and is published in the bid pack each month. It adds about $2/hr to the rates or gives you an extra hour or two of credit each month, however you want to look at it.
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