Ltd coverage
10-29-2013 | 08:00 AM
#21
Gets Weekends Off
Joined: Feb 2011
Posts: 3,866
Likes: 0
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!
Last edited by APC225; 10-29-2013 at 08:37 AM.
10-29-2013 | 08:28 AM
#22
Gets Weekends Off
Joined: Apr 2008
Posts: 5,738
Likes: 5
From: Sleeping in the black swan’s nest.
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$$ kicking. One second you are Mr. Universe the next second you're in the ICU wondering if you'll ever be able to walk again. Shiz happens.. It's better to have it and not need it.
10-29-2013 | 08:37 AM
#23
Peace Love Understanding
Joined: Nov 2012
Posts: 1,040
Likes: 0
From: Airbus
Right on bro!
I also was at the peak of health, climbing mountains, working out four to five days a week, running, you know the drill. That was all awesome until the MRI results came back after a little slippy whoops and subsequent fall that landed me just right on the top of my head at just the right angle.
Hairline fracture in Cervical vertebrae number five and three destroyed discs that had to be removed. Titanium plates to hold it all together ETC ETC....
You never know when that good health a$$ kicking is going to turn into a bad health a$$ kicking. One second you are Mr. Universe the next second you're in the ICU wondering if you'll ever be able to walk again. Shiz happens.. It's better to have it and not need it.
I also was at the peak of health, climbing mountains, working out four to five days a week, running, you know the drill. That was all awesome until the MRI results came back after a little slippy whoops and subsequent fall that landed me just right on the top of my head at just the right angle.
Hairline fracture in Cervical vertebrae number five and three destroyed discs that had to be removed. Titanium plates to hold it all together ETC ETC....
You never know when that good health a$$ 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.
10-29-2013 | 11:18 AM
#24
Gets Weekends Off
Joined: Oct 2010
Posts: 2,639
Likes: 0
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.
10-29-2013 | 11:35 AM
#25
New Hire
Joined: Aug 2009
Posts: 6
Likes: 0
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.
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!
10-29-2013 | 11:40 AM
#26
Peace Love Understanding
Joined: Nov 2012
Posts: 1,040
Likes: 0
From: Airbus
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!
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!
10-29-2013 | 11:40 AM
#27
Gets Weekends Off
Joined: Dec 2008
Posts: 199
Likes: 0
From: 777 Cap
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.
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.
10-29-2013 | 11:42 AM
#28
Gets Weekends Off
Joined: Oct 2010
Posts: 2,639
Likes: 0
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".
)
10-29-2013 | 11:49 AM
#30
Gets Weekends Off
Joined: Nov 2008
Posts: 1,415
Likes: 0
From: B-777 left
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!
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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