Spirit of NKS, Part II
08-06-2016 | 08:36 AM
#7851
Gets Weekends Off
Joined: Apr 2012
Posts: 173
Likes: 0
Yes.. That is correct. Apparently that's how it was under the old Aetna policy. Love how the only thing that went in the company's favor was a roll back to an improvement to the policy that they were unaware they had made.
Last edited by WelcomeToBen; 08-06-2016 at 08:48 AM.
08-06-2016 | 08:45 AM
#7852
Gets Weekends Off
Joined: Apr 2012
Posts: 173
Likes: 0
I think the most infuriating part is how they switched to a cut rate LTD policy and then made getting the details concerning the policy extremely difficult in an attempt to cover up the inadequacies of the new policy. Anybody who has attempted to contact HR in the past couple of years about our LTD knows what I'm taking about. This is a group insurance policy (read affordable due to the low risk assumed by the insurance company) that protects us and our families' financial stability god forbid we lose our medical and they switched us over to some garbage plan in the middle of the night hoping nobody would notice. Pretty pathetic.. although not surprising I guess.
08-06-2016 | 09:30 AM
#7853
Line Holder
Joined: Feb 2007
Posts: 356
Likes: 1
One year before it starts? ***? What good is that?
08-06-2016 | 10:00 AM
#7854
ULTP-Ultra Low Tier Pilot
Joined: Dec 2007
Posts: 3,228
Likes: 0
Believe the waiting time to qualify for LTD is a year (so employed here for a year), but still will pay out 90 days after your disability. Our LTD plan is junk, plan and simple. It should be looked at like Social Security benefits; if its there for some extra cash, great, but no way am I going to depend on it for any financial planning.
I have supplemental LTD because I am not going to gamble my financial future on this crap Spirit policy. Guys should be looking at supplemental short term plans if it really is a 365 wait period. Can't imagine many of our pilots have 365 days of "rainy day" funds saved in sick time and in the bank.
Buy supplemental insurance guys, dont risk it. We should be looking at a much better policy with the new contract, when/if, we get it. Until then, protect yourselves and your family.
Last edited by The Juice; 08-06-2016 at 10:45 AM.
08-06-2016 | 11:40 AM
#7856
On Reserve
Joined: Feb 2015
Posts: 11
Likes: 0
Max sick bank is 400 hours which gets you 5 and a half months at guarantee IF your sick bank was full. Who has that? 216 in your sick bank gets you to LTD.
08-06-2016 | 01:52 PM
#7857
ULTP-Ultra Low Tier Pilot
Joined: Dec 2007
Posts: 3,228
Likes: 0
Looks like the 365-day requirement is only for your first year of employment. Can't get hired and 3 months later go on LTD. Once you've been here a year this restriction no longer applies and you need only cover the 90 days until LTD kicks in.
Max sick bank is 400 hours which gets you 5 and a half months at guarantee IF your sick bank was full. Who has that? 216 in your sick bank gets you to LTD.
Max sick bank is 400 hours which gets you 5 and a half months at guarantee IF your sick bank was full. Who has that? 216 in your sick bank gets you to LTD.
216 hours is "just" 4.5 years of no sick calls to accrue. Shouldn't be an issue to hit AND comply with 117 regs...lol
08-06-2016 | 03:20 PM
#7858
Line Holder
Joined: May 2015
Posts: 487
Likes: 24
Just spoke with the union. To clarify. LTD does NOT kick in until 365 days after disability. Period. If you are disabled you have to cover your obligations out of pocket until a year passes. I thought it was 90 days but that was a typo. Something to make sure we have in the new CBA
08-06-2016 | 04:22 PM
#7859
ULTP-Ultra Low Tier Pilot
Joined: Dec 2007
Posts: 3,228
Likes: 0
Just spoke with the union. To clarify. LTD does NOT kick in until 365 days after disability. Period. If you are disabled you have to cover your obligations out of pocket until a year passes. I thought it was 90 days but that was a typo. Something to make sure we have in the new CBA
As others have said, and the R&I today...
365 days to qualify for our LTD program
90 Days until you can get paid once qualified on a disability.
Who was "The union" you spoke to?
Clarification is clearly needed on this..
08-06-2016 | 05:03 PM
#7860
Banned
Joined: Jan 2016
Posts: 212
Likes: 0
I think the most infuriating part is how they switched to a cut rate LTD policy and then made getting the details concerning the policy extremely difficult in an attempt to cover up the inadequacies of the new policy. Anybody who has attempted to contact HR in the past couple of years about our LTD knows what I'm taking about. This is a group insurance policy (read affordable due to the low risk assumed by the insurance company) that protects us and our families' financial stability god forbid we lose our medical and they switched us over to some garbage plan in the middle of the night hoping nobody would notice. Pretty pathetic.. although not surprising I guess.
Once again, we work for lowlife scumbags
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