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They want to make sure that if you opt out that there is no confusion about what you're doing, no excuses later on when you need it, and no getting back into the program without the medical screen of you and your relatives (high bar). They'll have signature confirmations that you definitively knew what you were doing and that you chose to opt out. IOW don't opt out!
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Originally Posted by missintheline
(Post 1509386)
Positively the most grown up, useful thread I've ever read on this board. Thanks for the insights. I'm coming back in January and, thanks to this discussion, will definitely sign up for the company LTD. Hadn't given it any thought as I've been kicked in the a$$ with good health my entire life, but your anecdotes were just the wakeup call I needed.
I also was at the peak of health, climbing mountains, working out four to five days a week, running, you know the drill. That was all awesome until the MRI results came back after a little slippy whoops and subsequent fall that landed me just right on the top of my head at just the right angle. Hairline fracture in Cervical vertebrae number five and three destroyed discs that had to be removed. Titanium plates to hold it all together ETC ETC.... You never know when that good health a$$ kicking is going to turn into a bad health a$$ kicking. One second you are Mr. Universe the next second you're in the ICU wondering if you'll ever be able to walk again. Shiz happens.. It's better to have it and not need it.:) |
Originally Posted by Airhoss
(Post 1509549)
Right on bro!
I also was at the peak of health, climbing mountains, working out four to five days a week, running, you know the drill. That was all awesome until the MRI results came back after a little slippy whoops and subsequent fall that landed me just right on the top of my head at just the right angle. Hairline fracture in Cervical vertebrae number five and three destroyed discs that had to be removed. Titanium plates to hold it all together ETC ETC.... You never know when that good health a$$ kicking is going to turn into a bad health a$$ kicking. One second you are Mr. Universe the next second you're in the ICU wondering if you'll ever be able to walk again. Shiz happens.. It's better to have it and not need it.:) |
Originally Posted by Airhoss
(Post 1509549)
You never know when that good health a$$ kicking is going to turn into a bad health a$$ kicking. One second you are Mr. Universe the next second you're in the ICU wondering if you'll ever be able to walk again. Shiz happens.. It's better to have it and not need it.:)
I do not think the UPA is a "great" contract but, IMHO, the LTD plan is one of the few true wins. Since everybody is automatically enrolled and one has to actually actively opt-out, there's no excuse not to have coverage. Also, the UAL plan could last a pilot a working career of benefits as there is no expiration limit other than death, retirement, or regaining a medical. This alone is a HUGE benefit compared to many other plans. |
Originally Posted by cadetdrivr
(Post 1509655)
This.
I do not think the UPA is a "great" contract but, IMHO, the LTD plan is one of the few true wins. Since everybody is automatically enrolled and one has to actually actively opt-out, there's no excuse not to have coverage. Also, the UAL plan could last a pilot a working career of benefits as there is no expiration limit other than death, retirement, or regaining a medical. This alone is a HUGE benefit compared to many other plans. Delta pilots pay 0% for similar coverage American pilots pay 0% for similar coverage Alaska pilots pay 0% for similar coverage I suppose that this could be considered a "win" if you started out with no coverage, but IMHO, you still have a ways to go to return to industry standard. Not to mention, do you accrue 401(k) benefits while you are out on Long Term Sick? Delta and Alaska pilots do. American didn't need to until their pension plan was frozen and I would be surprised if this was not on the radar for their future. My purpose is not flame here, but to educate. These are some things to think about for your next PWA. Good luck, we're all counting on you! |
Originally Posted by Derek Smalls
(Post 1509669)
Sorry to interrupt all of your crowing about your LTD Plan, and I agree that it is a necessary and important benefit, but:
Delta pilots pay 0% for similar coverage American pilots pay 0% for similar coverage Alaska pilots pay 0% for similar coverage I suppose that this could be considered a "win" if you started out with no coverage, but IMHO, you still have a ways to go to return to industry standard. Not to mention, do you accrue 401(k) benefits while you are out on Long Term Sick? Delta and Alaska pilots do. American didn't need to until their pension plan was frozen and I would be surprised if this was not on the radar for their future. My purpose is not flame here, but to educate. These are some things to think about for your next PWA. Good luck, we're all counting on you! |
Ahhhh grasshopper, the devil is in the details.
You pay nothing, we pay 35%. If a Delta pilot accepts another job, then the benefit is offset. Not at UAL. PBGC not an offset. SS family disabilty not an offset. No DC plan contributions. You too, need to look at the total picture. |
Originally Posted by Derek Smalls
(Post 1509669)
Sorry to interrupt all of your crowing about your LTD Plan, and I agree that it is a necessary and important benefit..
The new LTD is one of the non-compesation sections of the UPA with an unambiguous improvement from we (L-UAL) had during the BK contract. That's it. (I hope you are also educating the DAL and AMR groups in areas of improvement for their "PWAs". ;) ) |
With open enrollment and having the UPA LTD.... what other LTD options are pilots choosing? TIA
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Originally Posted by Derek Smalls
(Post 1509669)
Sorry to interrupt all of your crowing about your LTD Plan, and I agree that it is a necessary and important benefit, but:
Delta pilots pay 0% for similar coverage American pilots pay 0% for similar coverage Alaska pilots pay 0% for similar coverage I suppose that this could be considered a "win" if you started out with no coverage, but IMHO, you still have a ways to go to return to industry standard. Not to mention, do you accrue 401(k) benefits while you are out on Long Term Sick? Delta and Alaska pilots do. American didn't need to until their pension plan was frozen and I would be surprised if this was not on the radar for their future. My purpose is not flame here, but to educate. These are some things to think about for your next PWA. Good luck, we're all counting on you! |
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