SDI Process Guide
A comprehensive guide to navigating California State Disability Insurance and Hartford Long-Term Disability as a FedEx pilot.
Overview
Understand how SDI and LTD work together
How CA SDI Works
Understanding California State Disability Insurance for airline pilots
How FedEx LTD Works
Understanding Long-Term Disability benefits under the CBA
The Offset Problem
Understanding why CA SDI creates financial challenges for California-based FedEx pilots
Why This Guide Exists
The motivation behind creating this resource for FedEx pilots
Preparation
Get ready before filing your claim
Filing Your Claim
Step-by-step filing instructions
After Filing
What to expect and how to track progress
Hartford LTD
Long-term disability and offset issues
LTD Eligibility Triggers
Understanding when Long-Term Disability benefits begin under the FedEx/ALPA CBA
LTD Benefit Calculation
How LTD benefits are calculated under the FedEx/ALPA CBA
Appealing Hartford Decisions
How to appeal Hartford LTD denials or calculation disputes
LTD Benefit Offsets
Understanding how CA SDI, SSDI, and outside income affect your LTD benefits
PBRB Process
Using the Pilot Benefit Review Board for disputes
LTD Cooperation Requirements
What you must do to maintain your Long-Term Disability benefits
LTD Duration Limits
How long LTD benefits last based on condition type
Company System Access While Disabled
Your rights to access FedEx systems during disability leave
When LTD Begins
Understanding when Long-Term Disability coverage starts
How Offset Is Calculated
Understanding the LTD offset calculation
In-Person Visits
When and how to visit EDD offices
Special Situations
Out-of-state, VA disability, returning to work