Spirit of NKS
03-29-2015 | 02:37 PM
On Reserve
Joined: Dec 2010
Posts: 156
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From: A320 Left
So with STD coverage how much of the treatment and medication do they cover? 90% right? What if its just a small problem like herpes? I've been googling "examples of bad STDs vs LTDs" all day and I see nothing about pilot contracts. Trying to educate myself for contract 2015. STDs last for longer than 2 years, so this is an important discussion.
03-29-2015 | 03:00 PM
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If the policy pays til 65 then why does it suck like you say. If it paid til 65 I wouldn't have an issue with it.
Btw, LTD and loss of license (medical certificate) are the same thing in most of the industry. If you've been spending the last two pages trying to illustrate the differences then you are missing the point completely.
I still don't understand why you are making personal attacks. What's your end game?
03-29-2015 | 03:22 PM
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From: A 320
No they can't force you to go to law or medical school but if you are able to, or able to learn any new skill that replaces 80% of what you were making as a pilot then they don't have to and won't continue to pay you.
If the policy pays til 65 then why does it suck like you say. If it paid til 65 I wouldn't have an issue with it.
Btw, LTD and loss of license (medical certificate) are the same thing in most of the industry. If you've been spending the last two pages trying to illustrate the differences then you are missing the point completely.
I still don't understand why you are making personal attacks. What's your end game?
If the policy pays til 65 then why does it suck like you say. If it paid til 65 I wouldn't have an issue with it.
Btw, LTD and loss of license (medical certificate) are the same thing in most of the industry. If you've been spending the last two pages trying to illustrate the differences then you are missing the point completely.
I still don't understand why you are making personal attacks. What's your end game?
My only end game is to make sure we have the facts straight and hold our ALPA reps responsible to distribute that information.
03-29-2015 | 04:11 PM
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From: A 320
A critical gain would be to pay for our own policy through a payroll deduction. That would make the proceeds tax free for life. It would be a tough sell to a group that cringes every time they have to cough up a dollar for the van driver but it would be easy to get the money back in other ways.
03-29-2015 | 04:12 PM
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We agree for 90% of this so now we can put this to bed ok. You and I have differing information on the age 65 issue which I believe to be huge. Agree to disagree. Done
03-29-2015 | 04:25 PM
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From: A320 starboard... Arrrr
The way I read it supoorts AutoPilot's interpretation. If after two years, you are able to be trained/educated, they stop paying. It's doesn't say you have to actually GO to "law/medical school", you just have to be ABLE TO GO be trained or educated.
In a scenario where you randomly became diabetic or color blind, after two years you are certainly able to be trained/educated.
03-29-2015 | 05:00 PM
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The wording would need to read something like this for it to be covered to age 65 like my addict all policy is.
"Due to sickness or injury the insured is considered disabled if unable to perform with reasonable continuity the material and substantial duties of any gainful occupation OR deemed by the FAA to be mentally or physically unfit to fly as a commercial pilot"
"Due to sickness or injury the insured is considered disabled if unable to perform with reasonable continuity the material and substantial duties of any gainful occupation OR deemed by the FAA to be mentally or physically unfit to fly as a commercial pilot"
03-29-2015 | 05:00 PM
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I suppose if you are 27 years old and become color blind in you first year at Spirit they might be able to create the 80% scenario. However if you have moved up the captain ladder a bit it is almost impossible to win that argument as an insurance provider for someone that has never done anything else in his life besides fly planes.
Im gonna lean with lemonade on this one even if he is a snot. My biggest gripe is the lack of support from Wheat and certainly Gonsen. Those two are totally MIA.
Im gonna lean with lemonade on this one even if he is a snot. My biggest gripe is the lack of support from Wheat and certainly Gonsen. Those two are totally MIA.
03-30-2015 | 12:54 PM
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From: Switch, Lever & Light Specialist
I completely agree with you, what you're saying is true, unless you are completely crippled to the point of getting government disability you won't be receiving ltd after 2 years. I have spent more years than I care to mention dealing with disability as a result of a car hitting me. Anyone who doesn't believe this is welcome to question me about it. Between our crappy ltd and non-existent std it's a scary issue if you have something happen. So now I pay a lot of extra money in coverage to be covered for something that should be in our contract
03-30-2015 | 12:57 PM
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From: Switch, Lever & Light Specialist
As someone who is out on LTD now. I can say I will not vote on anything that doesn't address this issue. At my previous job Harvey Watt was used and the process was painless when having to file a claim after an injury. With no short term here, and the current provider I would expect no pay for 4-6 months time. It took 2 months past my elgibility date to receive first payment, and that was with me hounding the provider and doctors. Bottom line you better have some money saved because the sick time goes quick. Just my .02. That's not even addressing the 2 year term which is garbage.
Yeah, me too. I never received anything from LTD until 6 months out. This despite submitting everything they requested on time and when they requested. That left me scrambling to figure out which bills were getting paid and which ones were being put off. Principal is NOT your friend when out on LTD. All they are doing is trying to figure out how NOT to pay you and how to get you off their payments ASAP.
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