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Old 03-29-2021 | 04:00 PM
  #61  
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Originally Posted by BKbigfish
Agree 100% While we made improvements with CBA 2018, our LTD still has some gaping holes that need to be addressed in the next CBA. Future income offset being the most glaring weakness in the current plan. Another problem is your 60% is based off your prior year’s W2. If you took an EIL and go out on disability in 2021, your benefit will be based off your reduced 2020 income until age 65 (assuming you lose your medical). Take a 3 month FMLA leave to care for a child or sick family member and then go out on LTD the following year? Tough. You are now financially punished until retirement age. The LTD benefit should be based off your highest W2 of the last 3 years to account for any single year income dips.
Exactly!!!!
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Old 06-17-2021 | 03:04 PM
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For those of you with families that maximize all benefits (diamond or POS-A health insurance, life insurance, LTD plus up, etc.), approximately what is your total paycheck deduction each pay period / month?
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Old 06-17-2021 | 03:17 PM
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Originally Posted by Voski
For those of you with families that maximize all benefits (diamond or POS-A health insurance, life insurance, LTD plus up, etc.), approximately what is your total paycheck deduction each pay period / month?

Diamond for a family is $188 a paycheck.
LTD buy up for a junior captain is around ~$25 a paycheck.
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Old 06-17-2021 | 03:19 PM
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Google search why paying for life insurance through your job is a bad idea. Should be about 1,000,000,000 results.
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Old 06-17-2021 | 04:21 PM
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Originally Posted by NKSpilot
Google search why paying for life insurance through your job is a bad idea. Should be about 1,000,000,000 results.
Yep, and looking outside your employer the ALPA policies are very good. My friend was a life broker right before he moved on the being a certified financial planner. He couldn’t touch the ALPA policies. He said I’d be silly not to buy one of them.
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Old 06-17-2021 | 05:28 PM
  #66  
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Originally Posted by Qotsaautopilot
Yep, and looking outside your employer the ALPA policies are very good. My friend was a life broker right before he moved on the being a certified financial planner. He couldn’t touch the ALPA policies. He said I’d be silly not to buy one of them.
I have a 20 year term ALPA policy for myself and the wife. Rates are great especially if you qualify super premium
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Old 06-21-2021 | 10:47 AM
  #67  
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Anybody know if we get a special Costco member rate?
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Old 06-21-2021 | 12:41 PM
  #68  
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Perkspot says yes. Goldstar executive membership for $120.

Originally Posted by Halon1211
Anybody know if we get a special Costco member rate?
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Old 06-21-2021 | 01:04 PM
  #69  
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Originally Posted by Philknight
Perkspot says yes. Goldstar executive membership for $120.
Heck of a deal...


https://www.costco.com/join-costco.html

How do we manage to get these awesome insider discounts? haha
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Old 06-21-2021 | 01:42 PM
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it’s an amazing deal 😂

Originally Posted by CincoDeMayo
Heck of a deal...


https://www.costco.com/join-costco.html

How do we manage to get these awesome insider discounts? haha
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