Ltd coverage
10-28-2013, 02:40 AM
#2
Gets Weekends Off
Joined APC: Dec 2008
Position: 777 Cap
Posts: 199
USE THE COMPANY PLAN!
Sorry for yelling!
The plan is inexpensive, especially considering the hurdle required to receive a benefit.
The easiest way to think of this is that if you use the company plan, you are paying 35% of the cost.
If you use any other plan, you will pay 100% of the cost.
Our coverage is better.
Hope that helps
10-28-2013, 05:58 AM
#4
Banned
Joined APC: Jun 2008
Position: A320 Cap
Posts: 2,282
I can't imagine how you came to that conclusion..... But the company LTD is LIGHT YEARS better and cheaper than ALPA's. IMHO, the LTD is one of the single best items in the contract, and I HAPPILY pay the premium every month.
10-28-2013, 06:46 AM
#6
Line Holder
Joined APC: Jul 2008
Position: 73NB
Posts: 68
As a Delta guy, I don't know anything about the UAL plan. But, unfortunately I know a little about the ALPA plan.
1. 1 year waiting period from when you got sick.
2. Max of 3 years of payments.
3. Must be applied for within 90 days of getting sick. Yes, even though there is a year waiting period.
My advise, get both.
1. 1 year waiting period from when you got sick.
2. Max of 3 years of payments.
3. Must be applied for within 90 days of getting sick. Yes, even though there is a year waiting period.
My advise, get both.
10-28-2013, 11:06 AM
#8
Gets Weekends Off
Thread Starter
Joined APC: Aug 2008
Position: UAL FO
Posts: 122
Thanks for the info.. Looks like the company plan then.
Pays 50% of pay (monthly amount = 42.75 * hourly rate of pay)up to $8000/mo.
Company pays 65% of cost, pilot pays 35%
90 day waiting period reduced to 60 if occupational injury. Could be longer depending on how much sick time is in your bank
Pays 50% of pay (monthly amount = 42.75 * hourly rate of pay)up to $8000/mo.
Company pays 65% of cost, pilot pays 35%
90 day waiting period reduced to 60 if occupational injury. Could be longer depending on how much sick time is in your bank
10-28-2013, 11:50 AM
#9
Gets Weekends Off
Joined APC: Apr 2008
Position: Sleeping in the black swan’s nest.
Posts: 5,726
WS01,
Here is a sound piece of advice. In 2005 I had a neck injury that required extensive surgery and wound up keeping off the line for the better part of year. At the time we did not have LTD at UAL.
The event just about bankrupted me. Once you are out of sick list and vacation they would put you on Short term disability for three months back then. I spent about 6 months with no pay. At the time I was a 320 F/O making little money and had little to no savings.
The last thing you need when seriously sick or injured is the stress of trying to come up with enough money every week to feed your kids. You've got enough to worry about between trying to heal, medical appointments, PT, not being able to drive, ETC, ETC....
LTD is one of the finest enhancements to come along for this pilot group possibly ever! Don't waste it! My advice is that you buy the maximum amount of ALPA STD and do the company LTD. If you've ever priced outside private LTD insurance you'll find that this is dirt cheap and that buying outside LTD for Pilot is almost impossible unless you are willing to pay big bucks for small benefits.
Do the company LTD it's foolish not to.
Here is a sound piece of advice. In 2005 I had a neck injury that required extensive surgery and wound up keeping off the line for the better part of year. At the time we did not have LTD at UAL.
The event just about bankrupted me. Once you are out of sick list and vacation they would put you on Short term disability for three months back then. I spent about 6 months with no pay. At the time I was a 320 F/O making little money and had little to no savings.
The last thing you need when seriously sick or injured is the stress of trying to come up with enough money every week to feed your kids. You've got enough to worry about between trying to heal, medical appointments, PT, not being able to drive, ETC, ETC....
LTD is one of the finest enhancements to come along for this pilot group possibly ever! Don't waste it! My advice is that you buy the maximum amount of ALPA STD and do the company LTD. If you've ever priced outside private LTD insurance you'll find that this is dirt cheap and that buying outside LTD for Pilot is almost impossible unless you are willing to pay big bucks for small benefits.
Do the company LTD it's foolish not to.
10-28-2013, 12:16 PM
#10
Gets Weekends Off
Joined APC: Nov 2008
Posts: 393
When we (LUAL) only had Alpa LTD available, I bought it. As soon as this new LTD plan was offered, I dropped the Alpa LTD insurance like a used prophylactic...
IMHO the only folks who should not take this new LTD plan are those who have enough in their sick bank to take them to normal retirement age if they happen to have something happen to cause them to lose their medical happen.
IMHO the only folks who should not take this new LTD plan are those who have enough in their sick bank to take them to normal retirement age if they happen to have something happen to cause them to lose their medical happen.
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