L-United Furlough Number
06-06-2013, 09:43 AM
#91
Gets Weekends Off
Joined APC: Mar 2012
Position: B777 CA - SFO
Posts: 730
You don't know what you are talking about but you should be used to being told that. Harvey Watt is what we are talking about and the UAL pilots have always had the option to buy in to it - very few did because it was the same or less than the United STD(Short Term Disability) and PDI(Pilot Disability Income) depending on what section you're looking at.
I don't think cal had a program until ALPA let you back in. Getting Harvey Watt gave you something. Why don't you get some testimonials from cal guys that have had to use it. I'm still looking for a road show handout comparing the two programs. I do know the UAL R&I chairman said the UAL pay raise would be eaten up with medical, dental, PDI cost increases in the JCBA. The company wasn't willing to give use the UAL PDI program and the cal people weren't willing to support the UAL side to get it. Another indication of how weak pierce and your MEC has been over the past 3 years.
I don't think cal had a program until ALPA let you back in. Getting Harvey Watt gave you something. Why don't you get some testimonials from cal guys that have had to use it. I'm still looking for a road show handout comparing the two programs. I do know the UAL R&I chairman said the UAL pay raise would be eaten up with medical, dental, PDI cost increases in the JCBA. The company wasn't willing to give use the UAL PDI program and the cal people weren't willing to support the UAL side to get it. Another indication of how weak pierce and your MEC has been over the past 3 years.
Exclusions, pre-existing conditions, term limits, age step incremental premium increases, offsetting benefit from other sourced income, utilizing the Social Security definition for "permanent disabed" (which is what UAL had in their previous PDI plan) and more are the reasons why an outsourced LTD plan is not in the same league as the group plan administered under the UPA, and that an outside lump sum LOL policy should only be used as a wrap around the core company LTD Plan.
Here is a brief snapshot of the off the shelf Harvey Watt Air Health LTD Plan:
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
Plans available:
12 months wait & 48 month benefit*
12 months wait & 24 month benefit
6 months wait & 18 month benefit
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health program may be reduced so that total benefits from all sources do not exceed 100%.
And there are other exclusions that the UPA plan does not. The big one is the initial medical pre existing condition amnesty granted to ALL pilot participants enrolled in the UPA plan at its inception.
So then you can transition into the Harvey Watt Extended LTD Plan (a whole different and seperate policy) after you hit the end of the Air Health but hit a monthly benefit cap of $5,000 that is not offset by other income sources, but the threshold to receive benefits is reliant upon the Social Security definition of "Permanent Disability" not the much lower and realistic FAA Aeromedical one. And the rates skyrocket with age whereas the UPA group benefit is flat.
06-06-2013, 10:08 AM
#92
Banned
Joined APC: Mar 2013
Posts: 536
You have a fundamental misconception about how a singular Loss of License insurance policy and group Long Term Disability work. At least you got the plan administrator correct.
Exclusions, pre-existing conditions, term limits, age step incremental premium increases, offsetting benefit from other sourced income, utilizing the Social Security definition for "permanent disabed" (which is what UAL had in their previous PDI plan) and more are the reasons why an outsourced LTD plan is not in the same league as the group plan administered under the UPA, and that an outside lump sum LOL policy should only be used as a wrap around the core company LTD Plan.
Here is a brief snapshot of the off the shelf Harvey Watt Air Health LTD Plan:
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
Plans available:
12 months wait & 48 month benefit*
12 months wait & 24 month benefit
6 months wait & 18 month benefit
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health program may be reduced so that total benefits from all sources do not exceed 100%.
And there are other exclusions that the UPA plan does not. The big one is the initial medical pre existing condition amnesty granted to ALL pilot participants enrolled in the UPA plan at its inception.
So then you can transition into the Harvey Watt Extended LTD Plan (a whole different and seperate policy) after you hit the end of the Air Health but hit a monthly benefit cap of $5,000 that is not offset by other income sources, but the threshold to receive benefits is reliant upon the Social Security definition of "Permanent Disability" not the much lower and realistic FAA Aeromedical one. And the rates skyrocket with age whereas the UPA group benefit is flat.
Exclusions, pre-existing conditions, term limits, age step incremental premium increases, offsetting benefit from other sourced income, utilizing the Social Security definition for "permanent disabed" (which is what UAL had in their previous PDI plan) and more are the reasons why an outsourced LTD plan is not in the same league as the group plan administered under the UPA, and that an outside lump sum LOL policy should only be used as a wrap around the core company LTD Plan.
Here is a brief snapshot of the off the shelf Harvey Watt Air Health LTD Plan:
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
Plans available:
12 months wait & 48 month benefit*
12 months wait & 24 month benefit
6 months wait & 18 month benefit
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health program may be reduced so that total benefits from all sources do not exceed 100%.
And there are other exclusions that the UPA plan does not. The big one is the initial medical pre existing condition amnesty granted to ALL pilot participants enrolled in the UPA plan at its inception.
So then you can transition into the Harvey Watt Extended LTD Plan (a whole different and seperate policy) after you hit the end of the Air Health but hit a monthly benefit cap of $5,000 that is not offset by other income sources, but the threshold to receive benefits is reliant upon the Social Security definition of "Permanent Disability" not the much lower and realistic FAA Aeromedical one. And the rates skyrocket with age whereas the UPA group benefit is flat.
06-06-2013, 10:18 AM
#93
Gets Weekends Off
Joined APC: Mar 2012
Position: B777 CA - SFO
Posts: 730
There is a vast gulf of benefit improvements in the UPA program over that of the stand-alone HW products, and it was a point that needed clarification when you supposed that a pilot under the UAL PDI could mirror the same benefits with an off the shelf LOL wrap.
06-06-2013, 02:52 PM
#94
Banned
Joined APC: Aug 2010
Position: next to chronic complainers...
Posts: 364
Minus the winky emoticon, I can only assume that you have no idea what you are talking about. I have known Special Tracking, AKA Father Guido Sarducci for twenty years and your inference is asinine and 100 percent inaccurate. I feel that an apology would be an appropriate response.
Have a swell day!
Have a swell day!
06-07-2013, 05:34 AM
#95
Gets Weekends Off
Joined APC: Feb 2007
Position: e190
Posts: 929
You have a fundamental misconception about how a singular Loss of License insurance policy and group Long Term Disability work. At least you got the plan administrator correct.
Exclusions, pre-existing conditions, term limits, age step incremental premium increases, offsetting benefit from other sourced income, utilizing the Social Security definition for "permanent disabed" (which is what UAL had in their previous PDI plan) and more are the reasons why an outsourced LTD plan is not in the same league as the group plan administered under the UPA, and that an outside lump sum LOL policy should only be used as a wrap around the core company LTD Plan.
Here is a brief snapshot of the off the shelf Harvey Watt Air Health LTD Plan:
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
Plans available:
12 months wait & 48 month benefit*
12 months wait & 24 month benefit
6 months wait & 18 month benefit
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health program may be reduced so that total benefits from all sources do not exceed 100%.
And there are other exclusions that the UPA plan does not. The big one is the initial medical pre existing condition amnesty granted to ALL pilot participants enrolled in the UPA plan at its inception.
So then you can transition into the Harvey Watt Extended LTD Plan (a whole different and seperate policy) after you hit the end of the Air Health but hit a monthly benefit cap of $5,000 that is not offset by other income sources, but the threshold to receive benefits is reliant upon the Social Security definition of "Permanent Disability" not the much lower and realistic FAA Aeromedical one. And the rates skyrocket with age whereas the UPA group benefit is flat.
Exclusions, pre-existing conditions, term limits, age step incremental premium increases, offsetting benefit from other sourced income, utilizing the Social Security definition for "permanent disabed" (which is what UAL had in their previous PDI plan) and more are the reasons why an outsourced LTD plan is not in the same league as the group plan administered under the UPA, and that an outside lump sum LOL policy should only be used as a wrap around the core company LTD Plan.
Here is a brief snapshot of the off the shelf Harvey Watt Air Health LTD Plan:
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
Plans available:
12 months wait & 48 month benefit*
12 months wait & 24 month benefit
6 months wait & 18 month benefit
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health program may be reduced so that total benefits from all sources do not exceed 100%.
And there are other exclusions that the UPA plan does not. The big one is the initial medical pre existing condition amnesty granted to ALL pilot participants enrolled in the UPA plan at its inception.
So then you can transition into the Harvey Watt Extended LTD Plan (a whole different and seperate policy) after you hit the end of the Air Health but hit a monthly benefit cap of $5,000 that is not offset by other income sources, but the threshold to receive benefits is reliant upon the Social Security definition of "Permanent Disability" not the much lower and realistic FAA Aeromedical one. And the rates skyrocket with age whereas the UPA group benefit is flat.
06-07-2013, 05:51 AM
#96
Banned
Joined APC: Mar 2013
Posts: 536
From contract:
24-H LTD PLAN
24-H-1 Eligibility and Enrollment Except as provided under the Disability Transition Agreement (Letter of Agreement LOA 7), each Pilot is eligible to participate in the LTD Plan as of the effective date of the Agreement or, if later, his Date of Hire. Each Pilot shall be automatically enrolled to participate in the LTD Plan on the date the Pilot is eligible for the LTD Plan. A Pilot may opt out of participation at any time by providing notice to the Administrative Committee
Last edited by Staller; 06-07-2013 at 06:11 AM. Reason: Cut/paste section from JCBA
06-07-2013, 06:06 AM
#97
Banned
Joined APC: Mar 2013
Posts: 536
Yes, Harvey Watt only administered the plan at CAL and is doing so again under the UPA - with the exception of the drug and alcohol benefit.
There is a vast gulf of benefit improvements in the UPA program over that of the stand-alone HW products, and it was a point that needed clarification when you supposed that a pilot under the UAL PDI could mirror the same benefits with an off the shelf LOL wrap.
There is a vast gulf of benefit improvements in the UPA program over that of the stand-alone HW products, and it was a point that needed clarification when you supposed that a pilot under the UAL PDI could mirror the same benefits with an off the shelf LOL wrap.
The LTD Administrative Committee of the LTD Plan shall meet monthly and shall be composed of five (5) members, three (3) of whom shall be appointed by the Company and two (2) of whom shall be appointed by the Association. Each party may appoint alternates. The post of Chairman of the Administrative Committee shall alternate annually between Company and Association members. A quorum of the Administrative Committee consists of two (2) Company appointed members/alternates and two (2) Association members/alternates, in person at Administrative Committee meetings. Any other attendees may attend by teleconference. At any meeting of the Administrative Committee, the Association appointed members shall have the right to be accompanied by advisor(s) of their choosing. The Administrative Committee shall have such powers and duties as set forth in the LTD Plan document
Looks a lot like the old UAL committee - does HW act as advocate for the pilot or do they make an up/down vote in the committee decision?
06-07-2013, 06:31 AM
#98
Gets Weekends Off
Joined APC: Nov 2010
Posts: 3,071
Btw, you really take polish/aboriginal seriously? Too funny.
06-07-2013, 07:26 AM
#99
Gets Weekends Off
Joined APC: Apr 2008
Position: Sleeping in the black swan’s nest.
Posts: 5,725
This is the plan that you can buy privately from Harvey Watt. This not "info" on the UAL, LTD plan.
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