RunningB

^This.

At my current age, if I lose my medical in the near future (5 to 10 years) I'm finding another career. Also, any income that I can currently even afford to insure (it's not cheap) I can also replace fairly easily with quite a few other options that I have available due to proper educational planning negating the need for the insurance. I understand that not everyone is in my exact situation and for some it makes sense. If I were 55 and/or a wide body captain making an income that I couldn't immediately replace/didn't have time to work my way back up to, it would be a lot more important to me. Until then I choose not to eat fast food junk on the road, exercise regularly, and put an appropriate amount of my household monthly income into savings/investments.
I wish we didn't have to have 25% enrollment in order for those that want/need this insurance to get it, it could really be a good thing for some (maybe, we don't even really know what anyone would be signing up for). Unfortunetely unless they're willing to pay my premiums I can't just sign up for some mystery coverage just so others can too.

trip

Page 3 at HW question and answer explains it pretty well.
Basically incentives to rehabilitate equal more payout $$. After that for 24 months encentive to work equals payout plus earned, not to make less then when flying. After that it's a formula, the example showed earned income plus payout equaled 83% of pre loss income.
I will pm you the link to the PDF if you can't find it.

RemoveB4Flight

It's not exactly mystery coverage. Not anymore than any other insurance is when they get the details finalized. If you don't like the details lower your insurance down to $1 and enjoy the benefits without the premiums. No brainer. Or if you simply don't see any benefit then cancel altogether no harm done.
Besides, Skywest is matching premium up to $50.
You could literally "retire" early if you lost your medical.

Flymeaway

Has had any experience with any unpaid leave policies with Skywest? My wife is active duty military, and I anticipate that two or three times per year she will get sent TDY for a week or so somewhere, and I'll need to drop a trip to be home with our kids. Yes, I know I could fake an illness, but assuming I'd rather not do that, and assuming I didn't have the seniority to get a line that included that time off, has anyone tried to or been able to get unpaid time off for a family situation like that?

I'm half considering commuting from DEN to the east coast with PSA due to their scheduling flexibility, but that's 2 time zones, with no way to live in base any time soon. It sounds pretty painful, especially if it's unnecessary.

Thanks much.

TJBrass

"You could literally "retire" early if you lost your medical."

You had better read the fine print.

RunningB

Skywest is only matching premiums up to $50 for the first 3 months... so non-factor. Also, the fact that you think you could retire early if you lose your medical with this insurance tells me you haven't done much research on the subject. But hey, if somebody says you should buy something to give yourself an edge, most pilots do haha
Also comparing this insurance to any other insurance such as primary health insurance isn't really apples to apples either. However I see value in my health insurance as I not only avoid a penalty due to it being required, I also enjoy getting to take my sick kids to the doctor for only a co-pay each visit as well as not paying the full cost of labor and delivery come later this summer

JKSees

Hi again, sorry for being annoying, my interview is tomorrow and I still don't know whether to tell them I prefer ERJ/CRJ. Can some one let me know which bases are most jr for each aircraft?

Thanks in advance

Squallrider

CRJ most junior is DTW then mSP then ord.

ERJ west coast is sightless junior because they aren't putting Jew hires into Chicago. Anticipation is ppl will move west from Chicago.

CRJ is quicker seniority imo

rickair7777

If your condition can be fixed, they'll try to help you fix it.

But if it's permanently disqualifying from professional aviation, then yes you can retire without having to try to find another job. The only real catch is no inflation adjustment, so value of your benefit while decline over time. But you can insure a larger amount of income if you're worried about inflation.

RemoveB4Flight

.....
You could. It is very possible. That's actually the point of the insurance. There is also a benefit of them taking steps to help you get your medical back if it is a condition that could improve and if you are so willing to take those steps.

Until age 65 of course.