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    Long Term Disability/Loss of License—Pilots

    Disability Business Partner Changes for 2022.

    In 2022, we’re switching the Business Partners who administer our disability programs to streamline the leave of absence experience for all Crewmembers. Here’s the new line-up:

    • Short Term Disability—Claims will be managed by Sedgwick.
      • NEW for Pilots
      • No change for all other Crewmembers
    • Long Term Disability—Claims will be managed by The Hartford.
      • NEW for all Crewmembers, including Pilots
    • State Mandated Disability Benefits
      • NEW—Sedgwick will administer state-provided disability benefits if you work in New Jersey or New York

    Note: If you’re a Pilot approved for Voluntary Short Term Disability (VSTD) or any Crewmember approved for Long Term Disability (LTD) with a disability date prior to January 1, 2022, you’ll need to contact MetLife for your return to work process.

    Click here for more details.

    The basics.

    Did you know that your income stops while you’re on disability leave? Disability coverage allows you to get paid when you get sick or injured without using up your PTO bank. JetBlue offers Full-Time Pilots a combined Long Term Disability and Loss of License (LTD/LOL) benefit (also called Pilot Occupational Disability Insurance), which allows for a source of income in the event they do not qualify for LTD benefits but are still unable to fly due to FAA regulations. If you want to increase your company-provided benefits, you also have the option to purchase Voluntary Long Term Disability and Voluntary Loss of License (VLTD/VLOL) coverage.

    How it works.

    How it works.

    LTD/LOL benefits are paid to Pilots who experience a qualifying event* that results in the inability to perform the essential duties of their position or that could potentially affect the status of their FAA medical certification.

    LTD/LOL does not cover a disability from a pre-existing condition during the first 12 months of coverage. Pre-existing conditions are conditions you already had or have been treating during the three months prior to your coverage effective date, including pregnancy.

     * A qualifying event is your continuous inability to perform the material and substantial duties of your regular occupation due to your sickness or injury, or you are deemed by the FAA to be mentally or physically unfit to fly as a commercial pilot.

    The Pilot plan is a post-tax disability plan.

    The Pilot plan is a post-tax disability plan that provides a greater take-home benefit if disabled. Since the benefits are tax-free, the premium that JetBlue pays for this coverage will be treated as taxable income (also referred to as imputed income).

    Comparing LTD/LOL and VLTD/VLOL coverage.

    Comparing LTD/LOL and VLTD/VLOL coverage.

    You automatically have LTD coverage, but you can add VLTD if you’d like to increase your coverage.

    Long Term Disability (LTD)/Loss of License (LOL) Voluntary Long Term Disability (VLTD)
    Full-Time Pilots only
    Company-paid You pay with post-tax dollars
    Benefit equals 55% of gross compensation*, includes average gross pay Benefit equals 5% (added to your basic LTD/LOL), up to a $15,000 monthly maximum benefit
    $13,500 maximum monthly benefit, tax-free 5% portion you purchase is also tax-free if you received LTD/LOL benefits
    Benefits begin after a 180-day** waiting period Proof of good health may be required by The Hartford if you don’t enroll when first eligible
    Benefits paid up to mandatory retirement age

    * Includes your average gross pay over the prior 12 months, or up to 18 months if you had months of $0 earnings in the prior 12 months.
    ** You may use any available PTO during the waiting period and/or apply for Short Term Disability where available.

    Note: The LTD/LOL benefit will be reduced by the gross monthly benefit you receive from Social Security, Workers’ Compensation and other earned income.

    How much VLTD/VLOL coverage costs.

    How much VLTD/VLOL coverage costs.

    To determine your per-paycheck deduction for coverage, use this formula:

    1. The lesser of $270,000 or your base salary ÷ 12 x 0.01522 = your monthly premiums.
    2. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

     Note: Your rates are based on your base salary as of January 1 or your date of hire, whichever is later. However, any benefits paid will be based on your pre-disability earnings.

    Voluntary LTD enrollment is subject to Evidence of Insurability (EOI) and must be approved by The Hartford.

    New Hires have 31 days from date of hire to enroll in the VLTD without having to provide EOI. The next opportunity to enroll or cancel VLTD coverage is during Open Enrollment; however if adding coverage, it will be subject to EOI. The Hartford will review the EOI application and determine if coverage will be approved.

    Ask your Aeromedical Advisor!

    Remember, you have access to free medical counseling through the Aeromedical Advisor program—learn more.

    Need to go on LTD or LOL?

    Find detailed information on what to do before you take a leave and before returning to work here.

    Contacts

    Life and AD&D Insurance
    Long Term Disability (All Crewmembers)
    Long Term Disability (All Crewmembers) and Short Term Disability (Pilots)