Well, I'm one of those CAs you haven't met then, I voted FOR the LOA because I wanted my money to be mine or my heirs not other pilots. I already have the targeted amount in my AHRA/RHA as of the end of this year that will not go to any heirs. I max out my 401k with my own contributions early in the year. Everyone situation is personal and just like some don't want to contribute more or any of their own money to the 401k, I don't want to contribute less. Guess 18-24 months from now we will know how this plays out with the IRS.

not sure why you’re trying to sell it. The vote failed. The people have spoken.

Well you know the MEC puts out an annual 401k spill calculator right? If you don't want more than $10k spill into the RHA you don't have to. The artificial $10k cap was already a give for those like you who feel they have enough in their RHA. You can use the AHRA to be reimbursed for all your medical/dental/insurance premiums you pay United. That's $7000 right there. So max of $3k/year goes into the RHA if you never even buy a bottle of Ibuprofen in the year.

Sorry you're in the minority but obviously the majority preferred to keep our contract intact and let the system work.

I have four years to go and my RHA is good but I voted no because I’m tired of sell jobs. It really is that simple.