Spirit of NKS
Line Holder
Joined APC: Mar 2015
Posts: 32
41 when I lost mine so I know how it feels already. Lucky to have it back is how I look at it now. People underestimate how important this may be for their future because of youth, or the won't happen to me mentality.
I had the same paper chase until I actually caught the principal rep in a lie saying they didn't speak to my doctor. I was calling from my doctors office when I was told this so he promptly changed tone when I handed the phone to my Doc. Definitely a pain in the rear for sure.
I had the same paper chase until I actually caught the principal rep in a lie saying they didn't speak to my doctor. I was calling from my doctors office when I was told this so he promptly changed tone when I handed the phone to my Doc. Definitely a pain in the rear for sure.
Gets Weekends Off
Joined APC: Feb 2011
Posts: 657
I had the same paper chase until I actually caught the principal rep in a lie saying they didn't speak to my doctor. I was calling from my doctors office when I was told this so he promptly changed tone when I handed the phone to my Doc. Definitely a pain in the rear for sure.
Banned
Thread Starter
Joined APC: Oct 2008
Posts: 1,857
NC mail out, meeting 14-16 OCT.
Gets Weekends Off
Joined APC: Nov 2005
Posts: 758
According to the Spirit HR office, our LTD goes to SS retirement age as long as you don't have previous experience, training or education in a field that could pay you 80% of your pre disability base earnings. In all cases, you get 24 months essentially unquestioned, after which the ins company will try to find a way to prove that you are otherwise able to earn that 80%. *
According to the SPA ALPA NC Contract Comparison distributed to the group in early June, HR is correct.
Has anyone here gone past 24 months? If so, what did the Ins co do after that time period.
I'm about to apply for LTD, but I hope to be back at work before it even kicks in, BUT even though I don't expect to be affected this time, this is a serious issue that needs attention in negotiations. If our LTD is only good for 24 months we definitely need to fix that.
* I was off for 18 months in 2003 and 2004, the policy DID work this way back then. But, the policy administrator has changed twice since then. We shall see. My experience with the current Spirit HR has been exceptional. From what I read, the problem will occur with the principle financial people.
According to the SPA ALPA NC Contract Comparison distributed to the group in early June, HR is correct.
Has anyone here gone past 24 months? If so, what did the Ins co do after that time period.
I'm about to apply for LTD, but I hope to be back at work before it even kicks in, BUT even though I don't expect to be affected this time, this is a serious issue that needs attention in negotiations. If our LTD is only good for 24 months we definitely need to fix that.
* I was off for 18 months in 2003 and 2004, the policy DID work this way back then. But, the policy administrator has changed twice since then. We shall see. My experience with the current Spirit HR has been exceptional. From what I read, the problem will occur with the principle financial people.
Gets Weekends Off
Joined APC: Oct 2010
Posts: 4,603
According to the Spirit HR office, our LTD goes to SS retirement age as long as you don't have previous experience, training or education in a field that could pay you 80% of your pre disability base earnings. In all cases, you get 24 months essentially unquestioned, after which the ins company will try to find a way to prove that you are otherwise able to earn that 80%. *
According to the SPA ALPA NC Contract Comparison distributed to the group in early June, HR is correct.
Has anyone here gone past 24 months? If so, what did the Ins co do after that time period.
I'm about to apply for LTD, but I hope to be back at work before it even kicks in, BUT even though I don't expect to be affected this time, this is a serious issue that needs attention in negotiations. If our LTD is only good for 24 months we definitely need to fix that.
* I was off for 18 months in 2003 and 2004, the policy DID work this way back then. But, the policy administrator has changed twice since then. We shall see. My experience with the current Spirit HR has been exceptional. From what I read, the problem will occur with the principle financial people.
According to the SPA ALPA NC Contract Comparison distributed to the group in early June, HR is correct.
Has anyone here gone past 24 months? If so, what did the Ins co do after that time period.
I'm about to apply for LTD, but I hope to be back at work before it even kicks in, BUT even though I don't expect to be affected this time, this is a serious issue that needs attention in negotiations. If our LTD is only good for 24 months we definitely need to fix that.
* I was off for 18 months in 2003 and 2004, the policy DID work this way back then. But, the policy administrator has changed twice since then. We shall see. My experience with the current Spirit HR has been exceptional. From what I read, the problem will occur with the principle financial people.
The only pilot LTD pilicies worth a shiit are based on holding a first class medical, have no offsets for other income or personal policies, and pay to 65.
Banned
Thread Starter
Joined APC: Oct 2008
Posts: 1,857
Yes, that's what I got from it as well, but every single communication about this has been at best a guessing game.
I just read the email. I'm seeing them laying the expectations that this is going to be a long protracted fight. There cannot be a dollar figure attached to the work rules, the four days off, the transition conflict, line bidding or anything else that affects the quality of life. Sure, if the company wants to pay me a yearly wage that exceeds $500K a year, I'd entertain the notion, but short of that, I might as well go elsewhere. I'm seeing a whole lot of meeting to schedule more meetings to run around each other at the negotiating table in our future. I didnt see anything positive in this update.
I just read the email. I'm seeing them laying the expectations that this is going to be a long protracted fight. There cannot be a dollar figure attached to the work rules, the four days off, the transition conflict, line bidding or anything else that affects the quality of life. Sure, if the company wants to pay me a yearly wage that exceeds $500K a year, I'd entertain the notion, but short of that, I might as well go elsewhere. I'm seeing a whole lot of meeting to schedule more meetings to run around each other at the negotiating table in our future. I didnt see anything positive in this update.
This I all a numbers game to them. How can they give us the least amount of compensation and make us work the most. It's exactly what happened in 2010. We gained a little here and there and lost in other places. The current contract was cost neutral for the first 3 years.
Gets Weekends Off
Joined APC: Nov 2005
Posts: 758
Do you have a college degree? If so, you have an education to earn up to 80% of your predisability earnings. If you think for a second that this will not be what the insurance company says, you are wrong.
The only pilot LTD pilicies worth a shiit are based on holding a first class medical, have no offsets for other income or personal policies, and pay to 65.
The only pilot LTD pilicies worth a shiit are based on holding a first class medical, have no offsets for other income or personal policies, and pay to 65.
Don't get me wrong, I'm with you. I think that we need, must demand, better. We just need to talk reality, not conjecture.
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