[{"data":1,"prerenderedAt":23044},["ShallowReactive",2],{"guide-index-pages":3},[4,360,856,1458,2067,2566,3116,3885,5169,5819,6449,7258,7856,8550,9297,9698,10213,10862,11388,12330,13011,13522,14184,14774,15477,16112,16758,17217,17915,18632,19753,20723,21820,22484],{"id":5,"title":6,"body":7,"description":349,"extension":350,"icon":351,"lastUpdated":352,"meta":353,"navigation":354,"order":355,"path":356,"seo":357,"stem":358,"__hash__":359},"guide\u002Fguide\u002Findex.md","CA SDI Navigator Guide",{"type":8,"value":9,"toc":333},"minimark",[10,14,18,23,28,61,65,95,99,129,133,163,167,197,201,224,228,251,255,258,306,310,313],[11,12,6],"h1",{"id":13},"ca-sdi-navigator-guide",[15,16,17],"p",{},"Welcome to the comprehensive guide for FedEx pilots navigating California State Disability Insurance (SDI) claims. This guide covers everything from understanding the basics to successfully coordinating with The Hartford for Long-Term Disability benefits.",[19,20,22],"h2",{"id":21},"quick-navigation","Quick Navigation",[24,25,27],"h3",{"id":26},"_1-overview","1. Overview",[29,30,31,40,47,54],"ul",{},[32,33,34,39],"li",{},[35,36,38],"a",{"href":37},"\u002Fguide\u002Foverview\u002Fhow-sdi-works","How CA SDI Works"," - Understanding the state disability insurance program",[32,41,42,46],{},[35,43,45],{"href":44},"\u002Fguide\u002Foverview\u002Fhow-ltd-works","How FedEx LTD Works"," - The Hartford Long-Term Disability basics",[32,48,49,53],{},[35,50,52],{"href":51},"\u002Fguide\u002Foverview\u002Foffset-problem","The Offset Problem"," - Why this matters to California-based pilots",[32,55,56,60],{},[35,57,59],{"href":58},"\u002Fguide\u002Foverview\u002Fwhy-this-guide","Why This Guide Exists"," - The problem we're solving",[24,62,64],{"id":63},"_2-preparation","2. Preparation",[29,66,67,74,81,88],{},[32,68,69,73],{},[35,70,72],{"href":71},"\u002Fguide\u002Fpreparation\u002Funderstanding-pay","Understanding Your Pay Structure"," - Pilot pay and EDD",[32,75,76,80],{},[35,77,79],{"href":78},"\u002Fguide\u002Fpreparation\u002Fdocumenting-income","Documenting Your Income"," - What records to gather",[32,82,83,87],{},[35,84,86],{"href":85},"\u002Fguide\u002Fpreparation\u002Fsick-bank-strategy","Sick Bank Strategy"," - Managing your sick time",[32,89,90,94],{},[35,91,93],{"href":92},"\u002Fguide\u002Fpreparation\u002Fwhat-to-save","What to Save Now"," - Documents to collect before you need them",[24,96,98],{"id":97},"_3-filing-your-claim","3. Filing Your Claim",[29,100,101,108,115,122],{},[32,102,103,107],{},[35,104,106],{"href":105},"\u002Fguide\u002Ffiling\u002Fwhen-to-file","When to File"," - Timing your SDI claim",[32,109,110,114],{},[35,111,113],{"href":112},"\u002Fguide\u002Ffiling\u002Ffiling-methods","Online vs Mail vs In-Person"," - Choosing your filing method",[32,116,117,121],{},[35,118,120],{"href":119},"\u002Fguide\u002Ffiling\u002Fstep-by-step","Step-by-Step Filing"," - Walking through the claim process",[32,123,124,128],{},[35,125,127],{"href":126},"\u002Fguide\u002Ffiling\u002Frequired-documentation","Required Documentation"," - What you'll need to submit",[24,130,132],{"id":131},"_4-after-filing","4. After Filing",[29,134,135,142,149,156],{},[32,136,137,141],{},[35,138,140],{"href":139},"\u002Fguide\u002Fpost-filing\u002Ftimeline","Expected Timeline"," - How long things take",[32,143,144,148],{},[35,145,147],{"href":146},"\u002Fguide\u002Fpost-filing\u002Ftracking","Tracking Your Claim"," - Monitoring progress",[32,150,151,155],{},[35,152,154],{"href":153},"\u002Fguide\u002Fpost-filing\u002Fdocument-requests","Responding to Requests"," - When EDD asks for more",[32,157,158,162],{},[35,159,161],{"href":160},"\u002Fguide\u002Fpost-filing\u002Fdenied","If You're Denied"," - What to do if there's a problem",[24,164,166],{"id":165},"_5-hartford-ltd-coordination","5. Hartford LTD Coordination",[29,168,169,176,183,190],{},[32,170,171,175],{},[35,172,174],{"href":173},"\u002Fguide\u002Fhartford\u002Fwhen-ltd-begins","When LTD Begins"," - Transitioning to long-term disability",[32,177,178,182],{},[35,179,181],{"href":180},"\u002Fguide\u002Fhartford\u002Foffset-calculated","How Offset is Calculated"," - Understanding the reduction",[32,184,185,189],{},[35,186,188],{"href":187},"\u002Fguide\u002Fhartford\u002Fappealing","Appealing Decisions"," - Challenging Hartford's determination",[32,191,192,196],{},[35,193,195],{"href":194},"\u002Fguide\u002Fhartford\u002Fpbrb","PBRB Process"," - Using ALPA's Pilot Benefit Review Board",[24,198,200],{"id":199},"_6-in-person-edd-visits","6. In-Person EDD Visits",[29,202,203,210,217],{},[32,204,205,209],{},[35,206,208],{"href":207},"\u002Fguide\u002Fin-person\u002Fwhen-to-go","When to Go In Person"," - Situations requiring office visits",[32,211,212,216],{},[35,213,215],{"href":214},"\u002Fguide\u002Fin-person\u002Fwhich-office","Which Office"," - Finding the right location",[32,218,219,223],{},[35,220,222],{"href":221},"\u002Fguide\u002Fin-person\u002Fwhat-to-bring","What to Bring"," - Documents and preparation",[24,225,227],{"id":226},"_7-special-situations","7. Special Situations",[29,229,230,237,244],{},[32,231,232,236],{},[35,233,235],{"href":234},"\u002Fguide\u002Fspecial\u002Fout-of-state","Living Outside California"," - For commuting pilots",[32,238,239,243],{},[35,240,242],{"href":241},"\u002Fguide\u002Fspecial\u002Fva-disability","VA Disability Interaction"," - How VA benefits interact",[32,245,246,250],{},[35,247,249],{"href":248},"\u002Fguide\u002Fspecial\u002Freturning-to-work","Returning to Work"," - Getting back to flying",[19,252,254],{"id":253},"key-tools","Key Tools",[15,256,257],{},"Use these tools alongside this guide:",[29,259,260,270,279,288,297],{},[32,261,262,269],{},[263,264,265],"strong",{},[35,266,268],{"href":267},"\u002Fcalculator","Calculator"," - Estimate your SDI and LTD benefits",[32,271,272,278],{},[263,273,274],{},[35,275,277],{"href":276},"\u002Fchecklist","Checklist"," - Track your progress through the process",[32,280,281,287],{},[263,282,283],{},[35,284,286],{"href":285},"\u002Ftimeline","Timeline"," - Visualize your expected timeline and deadlines",[32,289,290,296],{},[263,291,292],{},[35,293,295],{"href":294},"\u002Fcontacts","Contacts"," - Important phone numbers and addresses",[32,298,299,305],{},[263,300,301],{},[35,302,304],{"href":303},"\u002Ftemplates","Templates"," - Letter templates for common situations",[19,307,309],{"id":308},"need-help","Need Help?",[15,311,312],{},"If you have questions or need clarification, consider reaching out to:",[29,314,315,321,327],{},[32,316,317,320],{},[263,318,319],{},"ALPA R&I Committee"," - For benefit and union-related questions",[32,322,323,326],{},[263,324,325],{},"FedEx Benefits Center"," - For FedEx-specific policy questions",[32,328,329,332],{},[263,330,331],{},"A disability attorney"," - For legal advice on complex situations",{"title":334,"searchDepth":335,"depth":335,"links":336},"",2,[337,347,348],{"id":21,"depth":335,"text":22,"children":338},[339,341,342,343,344,345,346],{"id":26,"depth":340,"text":27},3,{"id":63,"depth":340,"text":64},{"id":97,"depth":340,"text":98},{"id":131,"depth":340,"text":132},{"id":165,"depth":340,"text":166},{"id":199,"depth":340,"text":200},{"id":226,"depth":340,"text":227},{"id":253,"depth":335,"text":254},{"id":308,"depth":335,"text":309},"Comprehensive guide for FedEx pilots navigating California State Disability Insurance","md","i-lucide-book-open",null,{},true,0,"\u002Fguide",{"title":6,"description":349},"guide\u002Findex","_tpvMwWwMqrsoFsVPy5euy2FBVq_wJZXonzMXgIrfmY",{"id":361,"title":106,"body":362,"description":848,"extension":350,"icon":849,"lastUpdated":850,"meta":851,"navigation":354,"order":852,"path":105,"seo":853,"stem":854,"__hash__":855},"guide\u002Fguide\u002Ffiling\u002Fwhen-to-file.md",{"type":8,"value":363,"toc":825},[364,368,371,375,387,391,394,408,412,422,429,433,437,440,477,481,486,489,525,528,532,535,546,550,554,557,563,571,578,582,628,632,639,645,649,652,658,661,672,678,682,685,728,732,764,767,771,775,778,789,793,796,800,803,807],[11,365,367],{"id":366},"when-to-file-your-sdi-claim","When to File Your SDI Claim",[15,369,370],{},"Timing your SDI claim correctly is crucial. File too late and you lose benefits. File at the right time and you can minimize the impact of processing delays.",[19,372,374],{"id":373},"the-49-day-deadline","The 49-Day Deadline",[376,377,380],"callout",{"title":378,"type":379},"Critical Deadline","danger",[15,381,382,383,386],{},"You must file your SDI claim within ",[263,384,385],{},"49 days"," of becoming disabled. Missing this deadline can result in loss of benefits for the late period.",[24,388,390],{"id":389},"what-disabled-means-for-filing","What \"Disabled\" Means for Filing",[15,392,393],{},"Your disability date is generally:",[29,395,396,399,402],{},[32,397,398],{},"The first day you stopped working due to illness\u002Finjury",[32,400,401],{},"The date your doctor says you became unable to work",[32,403,404,407],{},[263,405,406],{},"Not"," the date your sick bank runs out",[24,409,411],{"id":410},"counting-the-49-days","Counting the 49 Days",[413,414,419],"pre",{"className":415,"code":417,"language":418},[416],"language-text","Day 0: Last day worked\nDay 1: First day of disability (starts countdown)\n...\nDay 49: DEADLINE to file claim\n","text",[420,421,417],"code",{"__ignoreMap":334},[376,423,426],{"title":424,"type":425},"Don't Wait","warning",[15,427,428],{},"The 49-day deadline is from disability START, not from when sick banks run out. Many pilots mistakenly wait to file until their sick banks are exhausted, risking missing the deadline.",[19,430,432],{"id":431},"optimal-filing-timing","Optimal Filing Timing",[24,434,436],{"id":435},"best-practice-file-as-soon-as-you-reach-day-8","Best Practice: File as Soon as You Reach Day 8",[15,438,439],{},"Why file right away once you're eligible to submit?",[441,442,443,453,459,465,471],"ol",{},[32,444,445,448,449,452],{},[263,446,447],{},"Earliest filing window:"," You can file on the ",[263,450,451],{},"8th day"," of disability",[32,454,455,458],{},[263,456,457],{},"Processing time:"," EDD can take 2-6 weeks to process",[32,460,461,464],{},[263,462,463],{},"Buffer for issues:"," Time to resolve any problems",[32,466,467,470],{},[263,468,469],{},"Deadline safety:"," No risk of missing 49-day deadline",[32,472,473,476],{},[263,474,475],{},"Earlier payments:"," Approval means payments start sooner",[24,478,480],{"id":479},"strategic-considerations","Strategic Considerations",[482,483,485],"h4",{"id":484},"base-period-optimization","Base Period Optimization",[15,487,488],{},"If you're near a quarter boundary, check if waiting a few days changes your base period favorably:",[490,491,492,505],"table",{},[493,494,495],"thead",{},[496,497,498,502],"tr",{},[499,500,501],"th",{},"If You File In",[499,503,504],{},"Base Period",[506,507,508,517],"tbody",{},[496,509,510,514],{},[511,512,513],"td",{},"March 31",[511,515,516],{},"Oct '23 - Sep '24",[496,518,519,522],{},[511,520,521],{},"April 1",[511,523,524],{},"Jan '24 - Dec '24",[15,526,527],{},"Calculate which gives you a higher \"highest quarter\" and file accordingly—but never miss the 49-day deadline to optimize base period.",[482,529,531],{"id":530},"sick-bank-interaction","Sick Bank Interaction",[15,533,534],{},"Filing SDI doesn't automatically conflict with sick bank pay:",[29,536,537,540,543],{},[32,538,539],{},"SDI has a 7-day waiting period (no pay for first week)",[32,541,542],{},"After that, SDI pays for periods you're disabled and not receiving wages",[32,544,545],{},"The interaction can be complex—file and let EDD determine",[19,547,549],{"id":548},"what-date-to-use","What Date to Use",[24,551,553],{"id":552},"the-disability-begin-date","The \"Disability Begin Date\"",[15,555,556],{},"On the SDI form, you'll need to specify when your disability began. For pilots:",[15,558,559,562],{},[263,560,561],{},"Use your last day worked"," unless:",[29,564,565,568],{},[32,566,567],{},"Your doctor certifies an earlier date",[32,569,570],{},"You were already unable to work before your last flight",[376,572,575],{"title":573,"type":574},"Pilot-Specific Issue","info",[15,576,577],{},"Unlike traditional employees who might \"try to work\" while sick, pilots cannot fly with ANY restriction. Your last day worked is clearly the last day you were medically able to perform your duties.",[24,579,581],{"id":580},"common-date-confusion","Common Date Confusion",[490,583,584,594],{},[493,585,586],{},[496,587,588,591],{},[499,589,590],{},"Situation",[499,592,593],{},"Use This Date",[506,595,596,604,612,620],{},[496,597,598,601],{},[511,599,600],{},"Stopped flying due to illness",[511,602,603],{},"Last day you flew",[496,605,606,609],{},[511,607,608],{},"Scheduled surgery",[511,610,611],{},"Day of surgery or first day unable to work",[496,613,614,617],{},[511,615,616],{},"Diagnosis preventing flight",[511,618,619],{},"Date of diagnosis",[496,621,622,625],{},[511,623,624],{},"Gradual condition",[511,626,627],{},"Date you stopped working (with doctor verification)",[482,629,631],{"id":630},"the-bid-month-trap","The Bid Month Trap",[15,633,634,635,638],{},"A specific risk for pilots: EDD uses calendar months, but FedEx pay months vary by ",[263,636,637],{},"bid month",". Your ADP pay stub may show a \"pay through\" date that reflects the bid month boundary, not your last day of work. EDD can misread this as proof you were still earning wages.",[15,640,641,642,644],{},"See ",[35,643,72],{"href":71}," for a detailed explanation and a real pilot example of an ~$800 denial caused by this exact confusion.",[19,646,648],{"id":647},"the-7-day-waiting-period","The 7-Day Waiting Period",[15,650,651],{},"SDI does not pay benefits for the first 7 days of your disability:",[413,653,656],{"className":654,"code":655,"language":418},[416],"Days 1-7: Waiting period (no SDI payment)\nDay 8+: SDI benefits begin (if approved)\n",[420,657,655],{"__ignoreMap":334},[15,659,660],{},"This means:",[29,662,663,666,669],{},[32,664,665],{},"Your first payment covers from Day 8 onward",[32,667,668],{},"The waiting period cannot be waived",[32,670,671],{},"Sick bank typically covers this period",[376,673,675],{"title":674,"type":425},"Doctor Timing Can Burn the 49-Day Clock",[15,676,677],{},"If you wait for a later follow-up appointment before starting your claim, and then your doctor's office takes additional time to complete certification, you can run out of filing time. Start the claim process early and coordinate physician certification immediately.",[19,679,681],{"id":680},"filing-checklist","Filing Checklist",[15,683,684],{},"Before filing, confirm you have:",[29,686,689,698,704,710,716,722],{"className":687},[688],"contains-task-list",[32,690,693,697],{"className":691},[692],"task-list-item",[694,695],"input",{"disabled":354,"type":696},"checkbox"," Your last day worked date",[32,699,701,703],{"className":700},[692],[694,702],{"disabled":354,"type":696}," Doctor's information (name, phone, address, license #)",[32,705,707,709],{"className":706},[692],[694,708],{"disabled":354,"type":696}," Your employment information",[32,711,713,715],{"className":712},[692],[694,714],{"disabled":354,"type":696}," Your contact information",[32,717,719,721],{"className":718},[692],[694,720],{"disabled":354,"type":696}," Understanding of your quarterly income",[32,723,725,727],{"className":724},[692],[694,726],{"disabled":354,"type":696}," SSN (you'll need the full number)",[19,729,731],{"id":730},"what-happens-after-filing","What Happens After Filing",[441,733,734,740,746,752,758],{},[32,735,736,739],{},[263,737,738],{},"Confirmation:"," You receive confirmation number\u002Fdocument",[32,741,742,745],{},[263,743,744],{},"Processing:"," EDD reviews your claim (14-21 days)",[32,747,748,751],{},[263,749,750],{},"Doctor Verification:"," EDD verifies your doctor's license (7-10 days)",[32,753,754,757],{},[263,755,756],{},"Determination:"," EDD approves or requests more information",[32,759,760,763],{},[263,761,762],{},"Payment:"," If approved, first payment issues",[15,765,766],{},"Total typical timeline: 2-6 weeks if no complications",[19,768,770],{"id":769},"special-situations","Special Situations",[24,772,774],{"id":773},"elective-surgery","Elective Surgery",[15,776,777],{},"If you have a scheduled surgery:",[29,779,780,783,786],{},[32,781,782],{},"File on the day of surgery or first day you can't work",[32,784,785],{},"Have your surgeon ready to provide certification",[32,787,788],{},"Consider filing a day or two after to ensure paperwork is in order",[24,790,792],{"id":791},"intermittent-disability","Intermittent Disability",[15,794,795],{},"Some conditions involve periods of disability followed by periods of work. This is complex for SDI—contact EDD directly for guidance.",[24,797,799],{"id":798},"pregnancybonding","Pregnancy\u002FBonding",[15,801,802],{},"Pregnancy disability and bonding leave have specific programs (PDL and PFL). These are related but separate from standard SDI.",[19,804,806],{"id":805},"next-steps","Next Steps",[29,808,809,815,820],{},[32,810,811,814],{},[35,812,813],{"href":112},"Filing Methods"," - Online vs. mail vs. in-person",[32,816,817,819],{},[35,818,120],{"href":119}," - Detailed filing instructions",[32,821,822,824],{},[35,823,286],{"href":285}," - Visualize your expected timeline",{"title":334,"searchDepth":335,"depth":335,"links":826},[827,831,835,839,840,841,842,847],{"id":373,"depth":335,"text":374,"children":828},[829,830],{"id":389,"depth":340,"text":390},{"id":410,"depth":340,"text":411},{"id":431,"depth":335,"text":432,"children":832},[833,834],{"id":435,"depth":340,"text":436},{"id":479,"depth":340,"text":480},{"id":548,"depth":335,"text":549,"children":836},[837,838],{"id":552,"depth":340,"text":553},{"id":580,"depth":340,"text":581},{"id":647,"depth":335,"text":648},{"id":680,"depth":335,"text":681},{"id":730,"depth":335,"text":731},{"id":769,"depth":335,"text":770,"children":843},[844,845,846],{"id":773,"depth":340,"text":774},{"id":791,"depth":340,"text":792},{"id":798,"depth":340,"text":799},{"id":805,"depth":335,"text":806},"Timing your CA SDI claim for optimal results","i-lucide-clock","2026-01-11",{},1,{"title":106,"description":848},"guide\u002Ffiling\u002Fwhen-to-file","z2t0OHDHM4eHB4fmadlDt6ydOS98w-9np1rw2w_KB34",{"id":857,"title":858,"body":859,"description":1451,"extension":350,"icon":1452,"lastUpdated":850,"meta":1453,"navigation":354,"order":852,"path":1454,"seo":1455,"stem":1456,"__hash__":1457},"guide\u002Fguide\u002Fhartford\u002Feligibility.md","LTD Eligibility Triggers",{"type":8,"value":860,"toc":1422},[861,865,868,872,879,883,893,901,907,912,923,928,934,938,944,949,960,970,975,986,990,995,999,1010,1016,1020,1024,1030,1036,1040,1085,1089,1098,1101,1112,1115,1119,1123,1141,1145,1151,1157,1162,1168,1172,1177,1185,1190,1201,1205,1209,1215,1219,1245,1247,1251,1254,1265,1269,1275,1279,1282,1293,1297,1300,1311,1315,1318,1344,1346,1349,1386,1390,1416],[11,862,864],{"id":863},"when-ltd-benefits-begin","When LTD Benefits Begin",[15,866,867],{},"Understanding when you become eligible for Long-Term Disability (LTD) benefits is critical for financial planning. Unlike many LTD plans that simply use a time-based elimination period, the FedEx LTD Plan has specific triggering events.",[19,869,871],{"id":870},"ltd-eligibility-triggers-cba-section-27j1","LTD Eligibility Triggers (CBA Section 27.J.1)",[15,873,874,875,878],{},"According to the Collective Bargaining Agreement, LTD eligibility is triggered by ",[263,876,877],{},"ONE"," of these events:",[24,880,882],{"id":881},"_1-exhaustion-of-sick-banks","1. Exhaustion of Sick Banks",[15,884,885,888,889,892],{},[263,886,887],{},"Most common trigger:"," You become eligible when you exhaust ",[263,890,891],{},"both",":",[29,894,895,898],{},[32,896,897],{},"Regular sick account",[32,899,900],{},"Disability sick account (DSA)",[376,902,904],{"title":903,"type":574},"Both Banks Must Be Depleted",[15,905,906],{},"LTD does NOT begin when just one bank is exhausted. Both your regular sick and DSA accounts must be fully depleted.",[15,908,909],{},[263,910,911],{},"How to check:",[29,913,914,917,920],{},[32,915,916],{},"Log into Workday",[32,918,919],{},"View your sick bank balances",[32,921,922],{},"Calculate your burn rate based on current disability",[15,924,925],{},[263,926,927],{},"Example:",[413,929,932],{"className":930,"code":931,"language":418},[416],"Regular sick: 120 hours (15 days)\nDSA balance:  480 hours (60 days)\nTotal:        600 hours (75 days)\n\nIf using 8 hours per day → LTD eligible after 75 days\n",[420,933,931],{"__ignoreMap":334},[24,935,937],{"id":936},"_2-disability-related-seat-change","2. Disability-Related Seat Change",[15,939,940,941,892],{},"You become eligible if you bid down to a lower seat ",[263,942,943],{},"because of disability",[15,945,946],{},[263,947,948],{},"Examples:",[29,950,951,954,957],{},[32,952,953],{},"Captain → First Officer due to medical restrictions",[32,955,956],{},"Wide-body → Narrow-body due to inability to handle longer flights",[32,958,959],{},"International → Domestic due to medical limitations",[376,961,963],{"title":962,"type":425},"Must Be Disability-Related",[15,964,965,966,969],{},"The seat change must be ",[263,967,968],{},"caused by your disability",", not by personal preference or seniority.",[15,971,972],{},[263,973,974],{},"Documentation needed:",[29,976,977,980,983],{},[32,978,979],{},"Medical documentation showing restrictions",[32,981,982],{},"Proof that restrictions prevent you from holding current seat",[32,984,985],{},"Bid award showing the seat change",[24,987,989],{"id":988},"_3-move-to-non-pilot-position","3. Move to Non-Pilot Position",[15,991,992,993,892],{},"You become eligible if you move to a ground position ",[263,994,943],{},[15,996,997],{},[263,998,948],{},[29,1000,1001,1004,1007],{},[32,1002,1003],{},"Pilot → Flight operations coordinator",[32,1005,1006],{},"Pilot → Training department",[32,1008,1009],{},"Pilot → Safety department",[376,1011,1013],{"title":1012,"type":574},"Maintaining Company Employment",[15,1014,1015],{},"This allows pilots who can no longer fly but can work in other capacities to receive LTD benefits while transitioning.",[19,1017,1019],{"id":1018},"important-distinctions","Important Distinctions",[24,1021,1023],{"id":1022},"not-a-simple-time-based-trigger","NOT a Simple Time-Based Trigger",[15,1025,1026,1029],{},[263,1027,1028],{},"Common misconception:"," \"LTD begins after 180 days\"",[15,1031,1032,1035],{},[263,1033,1034],{},"Reality:"," The 180-day elimination period is NOT the sole trigger. You must meet one of the three eligibility criteria above.",[24,1037,1039],{"id":1038},"timing-can-vary-widely","Timing Can Vary Widely",[490,1041,1042,1052],{},[493,1043,1044],{},[496,1045,1046,1049],{},[499,1047,1048],{},"Scenario",[499,1050,1051],{},"Time to LTD Eligibility",[506,1053,1054,1062,1070,1078],{},[496,1055,1056,1059],{},[511,1057,1058],{},"Large sick banks",[511,1060,1061],{},"6+ months",[496,1063,1064,1067],{},[511,1065,1066],{},"Smaller sick banks",[511,1068,1069],{},"1-3 months",[496,1071,1072,1075],{},[511,1073,1074],{},"Immediate seat change",[511,1076,1077],{},"Potentially immediate",[496,1079,1080,1083],{},[511,1081,1082],{},"Non-pilot position",[511,1084,1077],{},[24,1086,1088],{"id":1087},"ca-sdi-filing-is-independent","CA SDI Filing Is Independent",[376,1090,1092],{"title":1091,"type":425},"File CA SDI Early",[15,1093,1094,1097],{},[263,1095,1096],{},"Do NOT wait for LTD eligibility to file for CA SDI."," File CA SDI as soon as your disability begins, regardless of when LTD will start.",[15,1099,1100],{},"CA SDI has:",[29,1102,1103,1106,1109],{},[32,1104,1105],{},"7-day waiting period",[32,1107,1108],{},"49-day filing deadline",[32,1110,1111],{},"52-week maximum duration",[15,1113,1114],{},"LTD eligibility may not occur until months into your disability.",[19,1116,1118],{"id":1117},"calculating-your-ltd-eligibility-date","Calculating Your LTD Eligibility Date",[24,1120,1122],{"id":1121},"step-1-check-your-sick-banks","Step 1: Check Your Sick Banks",[441,1124,1125,1127,1130],{},[32,1126,916],{},[32,1128,1129],{},"Navigate to Benefits → Time Off",[32,1131,1132,1133],{},"Note balances for:\n",[29,1134,1135,1138],{},[32,1136,1137],{},"Regular sick time",[32,1139,1140],{},"DSA (Disability Sick Absence)",[24,1142,1144],{"id":1143},"step-2-calculate-burn-rate","Step 2: Calculate Burn Rate",[15,1146,1147,1150],{},[263,1148,1149],{},"Full-time disability:"," 8 hours per scheduled workday",[15,1152,1153,1156],{},[263,1154,1155],{},"Partial disability:"," Varies based on hours worked",[15,1158,1159],{},[263,1160,1161],{},"Example calculation:",[413,1163,1166],{"className":1164,"code":1165,"language":418},[416],"Regular sick: 200 hours ÷ 8 hours\u002Fday = 25 days\nDSA:          400 hours ÷ 8 hours\u002Fday = 50 days\nTotal:        600 hours ÷ 8 hours\u002Fday = 75 days\n\nExpected LTD start: 75 days after disability begins\n",[420,1167,1165],{"__ignoreMap":334},[24,1169,1171],{"id":1170},"step-3-plan-for-gaps","Step 3: Plan for Gaps",[15,1173,1174],{},[263,1175,1176],{},"Between sick exhaustion and first LTD payment:",[29,1178,1179,1182],{},[32,1180,1181],{},"Processing time: 2-4 weeks typical",[32,1183,1184],{},"First payment: Usually 2-4 weeks after approval",[15,1186,1187],{},[263,1188,1189],{},"Financial bridge:",[29,1191,1192,1195,1198],{},[32,1193,1194],{},"Ensure adequate savings",[32,1196,1197],{},"CA SDI may help bridge the gap",[32,1199,1200],{},"Consider emergency funds",[19,1202,1204],{"id":1203},"interaction-with-ca-sdi","Interaction with CA SDI",[24,1206,1208],{"id":1207},"timeline-example","Timeline Example",[413,1210,1213],{"className":1211,"code":1212,"language":418},[416],"Day 1:       Disability begins\nDay 1-7:     CA SDI waiting period\nDay 8:       CA SDI payments can begin (if approved)\nDay 75:      Sick banks exhausted → LTD eligible\nDay 90:      LTD claim approved\nDay 104:     First LTD payment received\n",[420,1214,1212],{"__ignoreMap":334},[24,1216,1218],{"id":1217},"key-points","Key Points",[441,1220,1221,1227,1233,1239],{},[32,1222,1223,1226],{},[263,1224,1225],{},"File CA SDI immediately"," - Don't wait for sick banks to exhaust",[32,1228,1229,1232],{},[263,1230,1231],{},"CA SDI continues"," - Even after LTD begins (up to 52 weeks total)",[32,1234,1235,1238],{},[263,1236,1237],{},"Offset applies"," - LTD will offset CA SDI payments",[32,1240,1241,1244],{},[263,1242,1243],{},"Different systems"," - EDD and LTD administrator operate independently",[19,1246,770],{"id":769},[24,1248,1250],{"id":1249},"seat-change-mid-disability","Seat Change Mid-Disability",[15,1252,1253],{},"If you're on disability and then bid to a lower seat:",[441,1255,1256,1259,1262],{},[32,1257,1258],{},"Becomes LTD eligibility trigger immediately",[32,1260,1261],{},"Even if you still have sick banks",[32,1263,1264],{},"Must be disability-related, not preference",[15,1266,1267],{},[263,1268,927],{},[413,1270,1273],{"className":1271,"code":1272,"language":418},[416],"Day 1:   Captain becomes disabled\nDay 30:  Still on sick banks\nDay 60:  Bids to First Officer due to medical restrictions\nDay 60:  Now LTD eligible (despite remaining sick time)\n",[420,1274,1272],{"__ignoreMap":334},[24,1276,1278],{"id":1277},"return-to-work-attempts","Return to Work Attempts",[15,1280,1281],{},"If you return to work but then go back on disability:",[29,1283,1284,1287,1290],{},[32,1285,1286],{},"New eligibility evaluation may be required",[32,1288,1289],{},"Sick banks may have partially replenished",[32,1291,1292],{},"Consult with benefits administrator",[24,1294,1296],{"id":1295},"part-time-disability","Part-Time Disability",[15,1298,1299],{},"If working reduced schedule:",[29,1301,1302,1305,1308],{},[32,1303,1304],{},"Sick banks burn slower",[32,1306,1307],{},"LTD eligibility delayed",[32,1309,1310],{},"May still qualify for partial CA SDI",[19,1312,1314],{"id":1313},"documentation-to-maintain","Documentation to Maintain",[15,1316,1317],{},"Keep records of:",[29,1319,1320,1326,1332,1338],{},[32,1321,1322,1325],{},[263,1323,1324],{},"Sick bank statements"," - Monthly screenshots from Workday",[32,1327,1328,1331],{},[263,1329,1330],{},"Medical documentation"," - All restrictions and limitations",[32,1333,1334,1337],{},[263,1335,1336],{},"Bid records"," - If seat changes occur",[32,1339,1340,1343],{},[263,1341,1342],{},"Communication logs"," - All contacts with benefits administrators",[19,1345,806],{"id":805},[15,1347,1348],{},"Once you determine your LTD eligibility date:",[441,1350,1351,1357,1366,1376],{},[32,1352,1353,1356],{},[263,1354,1355],{},"File LTD claim"," 30-60 days before eligibility date",[32,1358,1359,1362,1363,1365],{},[263,1360,1361],{},"Verify administrator"," - Hartford (see ",[35,1364,295],{"href":294},")",[32,1367,1368,1371,1372],{},[263,1369,1370],{},"Understand calculations"," - Review ",[35,1373,1375],{"href":1374},"\u002Fguide\u002Fhartford\u002Fcalculation","benefit calculations",[32,1377,1378,1381,1382],{},[263,1379,1380],{},"Learn about offsets"," - Study ",[35,1383,1385],{"href":1384},"\u002Fguide\u002Fhartford\u002Foffsets","offset rules",[19,1387,1389],{"id":1388},"resources","Resources",[29,1391,1392,1398,1404,1410],{},[32,1393,1394,1397],{},[263,1395,1396],{},"FedEx Benefits Service Center:"," 1-855-545-4748",[32,1399,1400,1403],{},[263,1401,1402],{},"ALPA R&I Committee:"," For CBA interpretation questions",[32,1405,1406,1409],{},[263,1407,1408],{},"CBA Section 27.J.1:"," Full text of eligibility language",[32,1411,1412,1415],{},[263,1413,1414],{},"Workday:"," Check sick bank balances",[376,1417,1419],{"title":1418,"type":574},"Questions About Your Situation?",[15,1420,1421],{},"Contact FedEx Benefits Service Center or ALPA Retirement & Insurance committee for case-specific guidance on your LTD eligibility date.",{"title":334,"searchDepth":335,"depth":335,"links":1423},[1424,1429,1434,1439,1443,1448,1449,1450],{"id":870,"depth":335,"text":871,"children":1425},[1426,1427,1428],{"id":881,"depth":340,"text":882},{"id":936,"depth":340,"text":937},{"id":988,"depth":340,"text":989},{"id":1018,"depth":335,"text":1019,"children":1430},[1431,1432,1433],{"id":1022,"depth":340,"text":1023},{"id":1038,"depth":340,"text":1039},{"id":1087,"depth":340,"text":1088},{"id":1117,"depth":335,"text":1118,"children":1435},[1436,1437,1438],{"id":1121,"depth":340,"text":1122},{"id":1143,"depth":340,"text":1144},{"id":1170,"depth":340,"text":1171},{"id":1203,"depth":335,"text":1204,"children":1440},[1441,1442],{"id":1207,"depth":340,"text":1208},{"id":1217,"depth":340,"text":1218},{"id":769,"depth":335,"text":770,"children":1444},[1445,1446,1447],{"id":1249,"depth":340,"text":1250},{"id":1277,"depth":340,"text":1278},{"id":1295,"depth":340,"text":1296},{"id":1313,"depth":335,"text":1314},{"id":805,"depth":335,"text":806},{"id":1388,"depth":335,"text":1389},"Understanding when Long-Term Disability benefits begin under the FedEx\u002FALPA CBA","i-lucide-calendar-clock",{},"\u002Fguide\u002Fhartford\u002Feligibility",{"title":858,"description":1451},"guide\u002Fhartford\u002Feligibility","gfNd50LzPlx9StjvjOlkKXSBAs5JP6GWY3ENKxH5Uh8",{"id":1459,"title":208,"body":1460,"description":2061,"extension":350,"icon":2062,"lastUpdated":850,"meta":2063,"navigation":354,"order":852,"path":207,"seo":2064,"stem":2065,"__hash__":2066},"guide\u002Fguide\u002Fin-person\u002Fwhen-to-go.md",{"type":8,"value":1461,"toc":2028},[1462,1466,1469,1473,1477,1482,1493,1498,1509,1513,1518,1532,1536,1547,1551,1556,1567,1571,1582,1586,1591,1602,1606,1617,1621,1625,1636,1640,1651,1655,1666,1670,1674,1680,1685,1699,1703,1708,1722,1726,1729,1746,1750,1754,1788,1792,1812,1816,1836,1840,1844,1876,1880,1883,1888,1920,1923,1927,1930,1941,1946,1966,1970,1974,1991,1995,2009,2011],[11,1463,1465],{"id":1464},"when-to-go-in-person-to-edd","When to Go In Person to EDD",[15,1467,1468],{},"In-person visits to EDD can be extremely helpful—but also time-consuming. Here's when it's worth it.",[19,1470,1472],{"id":1471},"good-reasons-to-go-in-person","Good Reasons to Go In Person",[24,1474,1476],{"id":1475},"your-claim-is-stuck","Your Claim Is Stuck",[15,1478,1479],{},[263,1480,1481],{},"Signs your claim is stuck:",[29,1483,1484,1487,1490],{},[32,1485,1486],{},"No status change for 3+ weeks",[32,1488,1489],{},"Online status says \"Pending\" for too long",[32,1491,1492],{},"You've called multiple times without resolution",[15,1494,1495],{},[263,1496,1497],{},"Why in-person helps:",[29,1499,1500,1503,1506],{},[32,1501,1502],{},"Direct access to a representative",[32,1504,1505],{},"Can review your file on the spot",[32,1507,1508],{},"Often resolves issues that phone cannot",[24,1510,1512],{"id":1511},"your-situation-is-complex","Your Situation Is Complex",[15,1514,1515],{},[263,1516,1517],{},"Complex situations include:",[29,1519,1520,1523,1526,1529],{},[32,1521,1522],{},"Unusual pay structure (pilots qualify!)",[32,1524,1525],{},"Multiple employers during base period",[32,1527,1528],{},"Previous denied claim",[32,1530,1531],{},"Conflicting information in system",[15,1533,1534],{},[263,1535,1497],{},[29,1537,1538,1541,1544],{},[32,1539,1540],{},"Can explain details directly",[32,1542,1543],{},"Provide documentation immediately",[32,1545,1546],{},"Representative can notate file",[24,1548,1550],{"id":1549},"you-need-immediate-resolution","You Need Immediate Resolution",[15,1552,1553],{},[263,1554,1555],{},"Time-sensitive situations:",[29,1557,1558,1561,1564],{},[32,1559,1560],{},"Approaching 49-day deadline",[32,1562,1563],{},"Urgent financial need",[32,1565,1566],{},"Document requests with short deadlines",[15,1568,1569],{},[263,1570,1497],{},[29,1572,1573,1576,1579],{},[32,1574,1575],{},"Same-day processing possible",[32,1577,1578],{},"Can submit documents directly",[32,1580,1581],{},"Get answers immediately",[24,1583,1585],{"id":1584},"phone-isnt-working","Phone Isn't Working",[15,1587,1588],{},[263,1589,1590],{},"When phone fails:",[29,1592,1593,1596,1599],{},[32,1594,1595],{},"Can't get through (perpetual hold)",[32,1597,1598],{},"Keep getting transferred\u002Fdisconnected",[32,1600,1601],{},"Phone reps can't help with your issue",[15,1603,1604],{},[263,1605,1497],{},[29,1607,1608,1611,1614],{},[32,1609,1610],{},"Guaranteed to speak to someone",[32,1612,1613],{},"Higher-level issues can be escalated",[32,1615,1616],{},"More thorough review possible",[19,1618,1620],{"id":1619},"when-not-to-go-in-person","When NOT to Go In Person",[24,1622,1624],{"id":1623},"for-routine-status-checks","For Routine Status Checks",[29,1626,1627,1630,1633],{},[32,1628,1629],{},"Check online instead",[32,1631,1632],{},"Phone is faster for simple questions",[32,1634,1635],{},"Save in-person visits for real issues",[24,1637,1639],{"id":1638},"when-you-just-filed","When You Just Filed",[29,1641,1642,1645,1648],{},[32,1643,1644],{},"Give your claim 2-3 weeks to process",[32,1646,1647],{},"Initial waiting is normal",[32,1649,1650],{},"Going too early accomplishes nothing",[24,1652,1654],{"id":1653},"if-youre-missing-documents","If You're Missing Documents",[29,1656,1657,1660,1663],{},[32,1658,1659],{},"Get your documents ready first",[32,1661,1662],{},"Going without what you need wastes time",[32,1664,1665],{},"Prepare completely before visiting",[19,1667,1669],{"id":1668},"what-to-expect","What to Expect",[24,1671,1673],{"id":1672},"wait-times","Wait Times",[376,1675,1677],{"title":1676,"type":425},"Long Waits",[15,1678,1679],{},"EDD offices typically have 4-6+ hour wait times. Some pilots report full-day waits. Plan accordingly.",[15,1681,1682],{},[263,1683,1684],{},"How the system works:",[441,1686,1687,1690,1693,1696],{},[32,1688,1689],{},"Arrive before office opens",[32,1691,1692],{},"Get a numbered ticket when doors open",[32,1694,1695],{},"Wait to be called",[32,1697,1698],{},"Meet with representative",[24,1700,1702],{"id":1701},"the-experience","The Experience",[15,1704,1705],{},[263,1706,1707],{},"Typical visit:",[29,1709,1710,1713,1716,1719],{},[32,1711,1712],{},"Arrive 30-60 minutes before opening",[32,1714,1715],{},"Line forms outside before doors open",[32,1717,1718],{},"Limited tickets issued each day",[32,1720,1721],{},"Plan for 4-6 hours minimum",[24,1723,1725],{"id":1724},"what-happens-at-your-turn","What Happens at Your Turn",[15,1727,1728],{},"A representative will:",[441,1730,1731,1734,1737,1740,1743],{},[32,1732,1733],{},"Review your claim on their system",[32,1735,1736],{},"Ask clarifying questions",[32,1738,1739],{},"Accept any documents you have",[32,1741,1742],{},"Make notations in your file",[32,1744,1745],{},"Provide guidance on next steps",[19,1747,1749],{"id":1748},"making-the-most-of-your-visit","Making the Most of Your Visit",[24,1751,1753],{"id":1752},"before-you-go","Before You Go",[441,1755,1756,1762,1770,1776,1782],{},[32,1757,1758,1761],{},[263,1759,1760],{},"Have clear goals"," - Know exactly what you need resolved",[32,1763,1764,1767,1768],{},[263,1765,1766],{},"Gather all documents"," - See ",[35,1769,222],{"href":221},[32,1771,1772,1775],{},[263,1773,1774],{},"Prepare a summary"," - Written summary of your situation",[32,1777,1778,1781],{},[263,1779,1780],{},"Check office hours"," - Confirm open days\u002Fhours",[32,1783,1784,1787],{},[263,1785,1786],{},"Verify address"," - Use the correct office location",[24,1789,1791],{"id":1790},"during-your-visit","During Your Visit",[441,1793,1794,1800,1806],{},[32,1795,1796,1799],{},[263,1797,1798],{},"Have everything organized"," - All documents ready and accessible",[32,1801,1802,1805],{},[263,1803,1804],{},"Write down what you're told"," - Record specific instructions and next steps",[32,1807,1808,1811],{},[263,1809,1810],{},"Note who you speak with"," - Get representative names and ID numbers for follow-up",[24,1813,1815],{"id":1814},"after-your-visit","After Your Visit",[441,1817,1818,1824,1830],{},[32,1819,1820,1823],{},[263,1821,1822],{},"Document everything"," - What was discussed, promised, etc.",[32,1825,1826,1829],{},[263,1827,1828],{},"Follow up if needed"," - On any action items",[32,1831,1832,1835],{},[263,1833,1834],{},"Save any paperwork"," - Receipts, printouts, forms",[19,1837,1839],{"id":1838},"alternatives-to-in-person","Alternatives to In-Person",[24,1841,1843],{"id":1842},"before-going-in-person-try","Before Going In Person, Try:",[441,1845,1846,1852,1858,1864,1870],{},[32,1847,1848,1851],{},[263,1849,1850],{},"Online portal"," - Many issues can be resolved online",[32,1853,1854,1857],{},[263,1855,1856],{},"Phone call"," - Early morning, be persistent (see phone strategy below)",[32,1859,1860,1863],{},[263,1861,1862],{},"Fax"," - For document submissions",[32,1865,1866,1869],{},[263,1867,1868],{},"Mail"," - For non-urgent items (certified, return receipt)",[32,1871,1872,1875],{},[263,1873,1874],{},"State Assembly member"," - For unresponsive EDD",[24,1877,1879],{"id":1878},"phone-strategy-for-getting-through-to-edd","Phone Strategy for Getting Through to EDD",[15,1881,1882],{},"Getting through to a representative at CA EDD can be extremely challenging. The phone system often indicates all lines are busy without even offering a hold option. Here's a proven strategy:",[15,1884,1885],{},[263,1886,1887],{},"The 90-Second Timing Method:",[441,1889,1890,1896,1902,1908,1914],{},[32,1891,1892,1895],{},[263,1893,1894],{},"Practice the phone tree"," before the lines open at 8:00 AM. Time yourself navigating to the point where you can request a representative. This typically takes about 90 seconds.",[32,1897,1898,1901],{},[263,1899,1900],{},"Call 90 seconds before opening"," (at 7:58:30 AM). Navigate through the prompts.",[32,1903,1904,1907],{},[263,1905,1906],{},"Time your request"," so that you press the option for a representative exactly as the lines open at 8:00 AM.",[32,1909,1910,1913],{},[263,1911,1912],{},"Be prepared to wait"," - Even with perfect timing, you may still wait 30+ minutes on hold.",[32,1915,1916,1919],{},[263,1917,1918],{},"Don't give up"," - If you get the \"all lines busy\" message, you may need to repeat this process multiple times.",[15,1921,1922],{},"This method significantly improves your chances of getting through, though it doesn't guarantee immediate access. Some pilots report needing 60+ attempts before successfully reaching the hold queue.",[24,1924,1926],{"id":1925},"assembly-member-option","Assembly Member Option",[15,1928,1929],{},"Your state Assembly member has an EDD liaison who can:",[29,1931,1932,1935,1938],{},[32,1933,1934],{},"Contact EDD on your behalf",[32,1936,1937],{},"Escalate stuck claims",[32,1939,1940],{},"Get faster responses",[15,1942,1943],{},[263,1944,1945],{},"How to use:",[441,1947,1948,1957,1960,1963],{},[32,1949,1950,1951],{},"Find your Assembly member at ",[35,1952,1956],{"href":1953,"rel":1954},"https:\u002F\u002Ffindyourrep.legislature.ca.gov",[1955],"nofollow","findyourrep.legislature.ca.gov",[32,1958,1959],{},"Contact their district office",[32,1961,1962],{},"Explain you need help with EDD",[32,1964,1965],{},"Provide your claim details",[19,1967,1969],{"id":1968},"cost-benefit-analysis","Cost-Benefit Analysis",[24,1971,1973],{"id":1972},"worth-the-trip-if","Worth the Trip If:",[29,1975,1976,1979,1982,1985,1988],{},[32,1977,1978],{},"Claim stuck for 3+ weeks with no resolution",[32,1980,1981],{},"Phone has failed multiple times",[32,1983,1984],{},"Complex situation needing explanation",[32,1986,1987],{},"Time-sensitive deadline approaching",[32,1989,1990],{},"You have a full day available",[24,1992,1994],{"id":1993},"not-worth-the-trip-if","Not Worth the Trip If:",[29,1996,1997,2000,2003,2006],{},[32,1998,1999],{},"Just filed and waiting normally",[32,2001,2002],{},"Simple question answerable by phone",[32,2004,2005],{},"Don't have all needed documents",[32,2007,2008],{},"Only have a few hours available",[19,2010,806],{"id":805},[29,2012,2013,2018,2023],{},[32,2014,2015,216],{},[35,2016,2017],{"href":214},"Which Office to Visit",[32,2019,2020,2022],{},[35,2021,222],{"href":221}," - Complete preparation checklist",[32,2024,2025,2027],{},[35,2026,295],{"href":294}," - EDD office locations and hours",{"title":334,"searchDepth":335,"depth":335,"links":2029},[2030,2036,2041,2046,2051,2056,2060],{"id":1471,"depth":335,"text":1472,"children":2031},[2032,2033,2034,2035],{"id":1475,"depth":340,"text":1476},{"id":1511,"depth":340,"text":1512},{"id":1549,"depth":340,"text":1550},{"id":1584,"depth":340,"text":1585},{"id":1619,"depth":335,"text":1620,"children":2037},[2038,2039,2040],{"id":1623,"depth":340,"text":1624},{"id":1638,"depth":340,"text":1639},{"id":1653,"depth":340,"text":1654},{"id":1668,"depth":335,"text":1669,"children":2042},[2043,2044,2045],{"id":1672,"depth":340,"text":1673},{"id":1701,"depth":340,"text":1702},{"id":1724,"depth":340,"text":1725},{"id":1748,"depth":335,"text":1749,"children":2047},[2048,2049,2050],{"id":1752,"depth":340,"text":1753},{"id":1790,"depth":340,"text":1791},{"id":1814,"depth":340,"text":1815},{"id":1838,"depth":335,"text":1839,"children":2052},[2053,2054,2055],{"id":1842,"depth":340,"text":1843},{"id":1878,"depth":340,"text":1879},{"id":1925,"depth":340,"text":1926},{"id":1968,"depth":335,"text":1969,"children":2057},[2058,2059],{"id":1972,"depth":340,"text":1973},{"id":1993,"depth":340,"text":1994},{"id":805,"depth":335,"text":806},"Deciding when an in-person EDD visit is worth it","i-lucide-building",{},{"title":208,"description":2061},"guide\u002Fin-person\u002Fwhen-to-go","JSS4BTe6iWQB4jYtYHveYPwAGPYw3ybukPbqbNxd-O4",{"id":2068,"title":38,"body":2069,"description":2560,"extension":350,"icon":2561,"lastUpdated":850,"meta":2562,"navigation":354,"order":852,"path":37,"seo":2563,"stem":2564,"__hash__":2565},"guide\u002Fguide\u002Foverview\u002Fhow-sdi-works.md",{"type":8,"value":2070,"toc":2542},[2071,2074,2077,2081,2085,2088,2094,2099,2110,2114,2163,2173,2179,2183,2186,2192,2195,2240,2244,2258,2262,2265,2300,2307,2311,2315,2318,2322,2325,2336,2339,2350,2353,2357,2360,2363,2367,2370,2411,2416,2424,2430,2434,2509,2513,2521,2523],[11,2072,38],{"id":2073},"how-ca-sdi-works",[15,2075,2076],{},"California State Disability Insurance (SDI) is a state-mandated program that provides partial wage replacement to eligible workers who are unable to work due to a non-work-related illness, injury, or pregnancy.",[19,2078,2080],{"id":2079},"the-basics","The Basics",[24,2082,2084],{"id":2083},"what-is-sdi","What Is SDI?",[15,2086,2087],{},"As a FedEx pilot domiciled in the state of California, you are covered by the California State Disability Insurance (SDI) program. SDI is a partial wage-replacement insurance plan that is paid for by a monthly deduction from your wages.",[15,2089,2090,2093],{},[263,2091,2092],{},"Note on Residency:"," This deduction is a function of working in the state of California, not your state of legal residence. Even if you live in another state, if you are based in California, you pay into and are covered by SDI.",[15,2095,2096],{},[263,2097,2098],{},"Key Points:",[29,2100,2101,2104,2107],{},[32,2102,2103],{},"SDI provides approximately 60-70% of your wages (with caps)",[32,2105,2106],{},"Benefits can last up to 52 weeks depending on your condition",[32,2108,2109],{},"It covers non-work-related disabilities only (work injuries go through Workers' Comp)",[24,2111,2113],{"id":2112},"_2026-sdi-rates","2026 SDI Rates",[490,2115,2116,2126],{},[493,2117,2118],{},[496,2119,2120,2123],{},[499,2121,2122],{},"Item",[499,2124,2125],{},"2026 Value",[506,2127,2128,2136,2144,2152],{},[496,2129,2130,2133],{},[511,2131,2132],{},"SDI Tax Rate",[511,2134,2135],{},"1.3% of ALL wages",[496,2137,2138,2141],{},[511,2139,2140],{},"Maximum Weekly Benefit",[511,2142,2143],{},"$1,765",[496,2145,2146,2149],{},[511,2147,2148],{},"Maximum Duration",[511,2150,2151],{},"Up to 52 weeks",[496,2153,2154,2157],{},[511,2155,2156],{},"Tax Cap",[511,2158,2159,2162],{},[263,2160,2161],{},"None"," (uncapped since 2024)",[376,2164,2166],{"title":2165,"type":425},"Important Change in 2024",[15,2167,2168,2169,2172],{},"Prior to 2024, SDI taxes were capped at a maximum taxable wage. Starting January 1, 2024, ",[263,2170,2171],{},"there is no cap",". You pay SDI tax on 100% of your California wages, no matter how much you earn.",[376,2174,2176],{"title":2175,"variant":425},"Disclaimer",[15,2177,2178],{},"This guide provides general information for FedEx pilots but is not legal or official EDD advice. Always verify with official sources.",[24,2180,2182],{"id":2181},"how-benefits-are-calculated","How Benefits Are Calculated",[15,2184,2185],{},"Your weekly benefit is calculated as:",[413,2187,2190],{"className":2188,"code":2189,"language":418},[416],"Weekly Benefit = (Highest Quarter Wages in Base Period ÷ 13) × 70%\n",[420,2191,2189],{"__ignoreMap":334},[15,2193,2194],{},"The \"base period\" is a 12-month period determined by when you file your claim:",[490,2196,2197,2206],{},[493,2198,2199],{},[496,2200,2201,2204],{},[499,2202,2203],{},"Claim Filed",[499,2205,504],{},[506,2207,2208,2216,2224,2232],{},[496,2209,2210,2213],{},[511,2211,2212],{},"January - March",[511,2214,2215],{},"Oct (2 years prior) through Sep (1 year prior)",[496,2217,2218,2221],{},[511,2219,2220],{},"April - June",[511,2222,2223],{},"Jan through Dec (1 year prior)",[496,2225,2226,2229],{},[511,2227,2228],{},"July - September",[511,2230,2231],{},"Apr (1 year prior) through Mar (current year)",[496,2233,2234,2237],{},[511,2235,2236],{},"October - December",[511,2238,2239],{},"Jul (1 year prior) through Jun (current year)",[15,2241,2242],{},[263,2243,927],{},[29,2245,2246,2249,2252,2255],{},[32,2247,2248],{},"Filing claim in February 2026",[32,2250,2251],{},"Base period: October 2023 through September 2024",[32,2253,2254],{},"Highest quarter: $95,000",[32,2256,2257],{},"Weekly benefit: ($95,000 ÷ 13) × 0.70 = $5,115... capped at $1,765\u002Fweek",[24,2259,2261],{"id":2260},"who-qualifies","Who Qualifies?",[15,2263,2264],{},"To be eligible for CA SDI, you must:",[441,2266,2267,2273,2279,2285,2291],{},[32,2268,2269,2272],{},[263,2270,2271],{},"Employment Status",": Be employed or actively looking for work at the time your disability began.",[32,2274,2275,2278],{},[263,2276,2277],{},"Medical Certification",": Be unable to do your regular or customary work for at least 8 consecutive days.",[32,2280,2281,2284],{},[263,2282,2283],{},"Earnings",": Have earned at least $300 during your base period (from which SDI deductions were withheld).",[32,2286,2287,2290],{},[263,2288,2289],{},"Under Care",": Be under the care and treatment of a licensed physician\u002Fpractitioner during the first 8 days of disability.",[32,2292,2293,2296,2297,2299],{},[263,2294,2295],{},"Filing Deadline",": File your claim within ",[263,2298,385],{}," of the date your disability began.",[376,2301,2304],{"title":2302,"type":2303},"For Pilots","tip",[15,2305,2306],{},"As an airline pilot, you cannot perform \"modified duty.\" If you have ANY restriction that prevents you from flying, you are fully disabled for SDI purposes. There is no partial disability in our profession.",[19,2308,2310],{"id":2309},"the-edd-connection","The EDD Connection",[24,2312,2314],{"id":2313},"what-is-edd","What is EDD?",[15,2316,2317],{},"The Employment Development Department (EDD) is the California state agency that administers the SDI program (among other programs like unemployment insurance).",[24,2319,2321],{"id":2320},"the-challenge-for-pilots","The Challenge for Pilots",[15,2323,2324],{},"The EDD system was designed for traditional employees with:",[29,2326,2327,2330,2333],{},[32,2328,2329],{},"Regular monthly paychecks",[32,2331,2332],{},"Consistent work schedules",[32,2334,2335],{},"Simple pay structures",[15,2337,2338],{},"Airline pilots have:",[29,2340,2341,2344,2347],{},[32,2342,2343],{},"Variable schedules month to month",[32,2345,2346],{},"Complex pay (flight pay, per diem, premium pay, etc.)",[32,2348,2349],{},"Sick pay that looks identical to regular pay on statements",[15,2351,2352],{},"This mismatch creates confusion and delays when processing pilot claims.",[19,2354,2356],{"id":2355},"how-long-does-it-take","How Long Does It Take?",[15,2358,2359],{},"Typical timeline for SDI claims:",[15,2361,2362],{},"Day 0: Last day worked \u002F Disability begins\nDays 1-7: Waiting period (generally not payable)\nDay 8+: File claim as soon as you are eligible\nDays 1-14: Physician certifies claim (critical step)\nDays 14-21: EDD reviews claim, may request additional info\nDays 21-28: Eligibility determination\n~Day 28+: First payment issued (if approved)\nEvery 2 weeks: Continued claim certification required",[24,2364,2366],{"id":2365},"eligibility-base-period-definition","Eligibility Base Period Definition",[15,2368,2369],{},"The base period is a specific 12-month period that determines both eligibility and benefit amount. EDD looks at wages reported during those quarters.",[490,2371,2372,2381],{},[493,2373,2374],{},[496,2375,2376,2378],{},[499,2377,2203],{},[499,2379,2380],{},"Base Period Used",[506,2382,2383,2390,2397,2404],{},[496,2384,2385,2387],{},[511,2386,2212],{},[511,2388,2389],{},"October through September (15-18 months prior)",[496,2391,2392,2394],{},[511,2393,2220],{},[511,2395,2396],{},"January through December (previous calendar year)",[496,2398,2399,2401],{},[511,2400,2228],{},[511,2402,2403],{},"April through March (4-15 months prior)",[496,2405,2406,2408],{},[511,2407,2236],{},[511,2409,2410],{},"July through June (4-15 months prior)",[15,2412,2413],{},[263,2414,2415],{},"Example for a pilot filing in January 2026:",[29,2417,2418,2421],{},[32,2419,2420],{},"Base period = October 1, 2024 - September 30, 2025",[32,2422,2423],{},"EDD calculates benefit based on the highest-earning quarter in this window.\n| Doctor license verification | 7-10 business days |\n| Additional document requests | Variable |\n| First payment | 2-6 weeks from filing (if no issues) |",[376,2425,2427],{"title":2426,"type":425},"Delays Are Common",[15,2428,2429],{},"Many pilots experience significant delays due to EDD's difficulty understanding pilot pay structures. Plan accordingly and file as early as possible.",[19,2431,2433],{"id":2432},"sdi-vs-other-benefits","SDI vs. Other Benefits",[490,2435,2436,2452],{},[493,2437,2438],{},[496,2439,2440,2443,2446,2449],{},[499,2441,2442],{},"Benefit",[499,2444,2445],{},"Source",[499,2447,2448],{},"Purpose",[499,2450,2451],{},"Duration",[506,2453,2454,2467,2481,2495],{},[496,2455,2456,2459,2462,2465],{},[511,2457,2458],{},"SDI",[511,2460,2461],{},"California",[511,2463,2464],{},"Short-term disability",[511,2466,2151],{},[496,2468,2469,2472,2475,2478],{},[511,2470,2471],{},"LTD",[511,2473,2474],{},"The Hartford (FedEx)",[511,2476,2477],{},"Long-term disability",[511,2479,2480],{},"Years",[496,2482,2483,2486,2489,2492],{},[511,2484,2485],{},"Sick Bank",[511,2487,2488],{},"FedEx",[511,2490,2491],{},"Short-term absence",[511,2493,2494],{},"Until exhausted",[496,2496,2497,2500,2503,2506],{},[511,2498,2499],{},"Workers' Comp",[511,2501,2502],{},"Employer",[511,2504,2505],{},"Work-related injury",[511,2507,2508],{},"As needed",[19,2510,2512],{"id":2511},"more-information","More Information",[15,2514,2515,2516],{},"More information about this program can be found on the State of California Employment Development Department (EDD) website:\n",[35,2517,2520],{"href":2518,"rel":2519},"https:\u002F\u002Fedd.ca.gov\u002Fen\u002Fdisability\u002FAbout_the_State_Disability_Insurance_SDI_Program\u002F",[1955],"About the State Disability Insurance (SDI) Program",[19,2522,806],{"id":805},[29,2524,2525,2531,2536],{},[32,2526,2527,2530],{},[35,2528,2529],{"href":44},"Understanding FedEx LTD"," - How Hartford LTD works",[32,2532,2533,2535],{},[35,2534,52],{"href":51}," - Why this matters",[32,2537,2538,2541],{},[35,2539,2540],{"href":267},"Benefit Calculator"," - Estimate your benefits",{"title":334,"searchDepth":335,"depth":335,"links":2543},[2544,2550,2554,2557,2558,2559],{"id":2079,"depth":335,"text":2080,"children":2545},[2546,2547,2548,2549],{"id":2083,"depth":340,"text":2084},{"id":2112,"depth":340,"text":2113},{"id":2181,"depth":340,"text":2182},{"id":2260,"depth":340,"text":2261},{"id":2309,"depth":335,"text":2310,"children":2551},[2552,2553],{"id":2313,"depth":340,"text":2314},{"id":2320,"depth":340,"text":2321},{"id":2355,"depth":335,"text":2356,"children":2555},[2556],{"id":2365,"depth":340,"text":2366},{"id":2432,"depth":335,"text":2433},{"id":2511,"depth":335,"text":2512},{"id":805,"depth":335,"text":806},"Understanding California State Disability Insurance for airline pilots","i-lucide-info",{},{"title":38,"description":2560},"guide\u002Foverview\u002Fhow-sdi-works","XN-tvvLEszKfpggvPaYGyG9vM1Xo2JXFAzO9m7Lh6V4",{"id":2567,"title":2568,"body":2569,"description":3110,"extension":350,"icon":3111,"lastUpdated":850,"meta":3112,"navigation":354,"order":852,"path":139,"seo":3113,"stem":3114,"__hash__":3115},"guide\u002Fguide\u002Fpost-filing\u002Ftimeline.md","Post-Filing Timeline",{"type":8,"value":2570,"toc":3081},[2571,2574,2581,2585,2591,2601,2605,2609,2614,2628,2633,2641,2645,2649,2663,2668,2676,2680,2684,2701,2706,2714,2718,2722,2725,2729,2732,2738,2800,2804,2808,2811,2822,2826,2829,2843,2847,2872,2876,2879,2884,2895,2901,2905,2909,2915,2920,2931,2935,2940,2944,2958,2962,2967,2971,2982,2986,2990,2993,3004,3009,3013,3018,3029,3034,3045,3049,3060,3062],[11,2572,2568],{"id":2573},"post-filing-timeline",[15,2575,2576,2577,2580],{},"The journey from filing a claim to receiving your first payment typically takes ",[263,2578,2579],{},"21 to 31 days",", provided there are no information requests or errors.",[19,2582,2584],{"id":2583},"overall-process-map","Overall Process Map",[413,2586,2589],{"className":2587,"code":2588,"language":418},[416],"Day 0:     Last day worked \u002F Disability begins\n           ↓\nDays 1-7:  File Part A of claim online\n           ↓\nDays 1-14: Physician certifies Part B (CRITICAL)\n           ↓\nDays 14-21: EDD reviews claim, requests info if needed\n           ↓\nDays 21-28: Eligibility determination made\n           ↓\n~Day 28+:  First payment issued (if approved)\n           ↓\nOngoing:   Continued certification required every 2 weeks\n",[420,2590,2588],{"__ignoreMap":334},[376,2592,2594],{"title":2593,"type":574},"Timeline Tool",[15,2595,2596,2597,2600],{},"Use our ",[35,2598,2599],{"href":285},"Timeline Generator"," to create a personalized timeline based on your specific last day worked.",[19,2602,2604],{"id":2603},"detailed-timeline-breakdown","Detailed Timeline Breakdown",[24,2606,2608],{"id":2607},"phase-1-filing-certification-days-1-14","Phase 1: Filing & Certification (Days 1-14)",[15,2610,2611],{},[263,2612,2613],{},"What Happens:",[29,2615,2616,2619,2625],{},[32,2617,2618],{},"You submit your part of the claim (DE 2501 Part A).",[32,2620,2621,2622],{},"Your physician submits the medical certification (Part B). ",[263,2623,2624],{},"EDD cannot process your claim without Part B.",[32,2626,2627],{},"You receive a Claim Receipt Number.",[15,2629,2630],{},[263,2631,2632],{},"Action Required:",[29,2634,2635,2638],{},[32,2636,2637],{},"Provide your doctor with the Claim Receipt Number immediately.",[32,2639,2640],{},"Verify through SDI Online that your doctor has submitted Part B.",[24,2642,2644],{"id":2643},"phase-2-review-determination-days-14-28","Phase 2: Review & Determination (Days 14-28)",[15,2646,2647],{},[263,2648,2613],{},[29,2650,2651,2654,2657],{},[32,2652,2653],{},"EDD verifies your base period wages.",[32,2655,2656],{},"EDD reviews the medical certification for validity.",[32,2658,2659,2660],{},"You may receive a \"Notice of Computation\" (DE 429D) in the mail, which lists your reported wages and your potential weekly benefit amount. ",[263,2661,2662],{},"This is not an approval letter.",[15,2664,2665],{},[263,2666,2667],{},"Potential Issues:",[29,2669,2670,2673],{},[32,2671,2672],{},"EDD may flag your claim for identity verification (ID.me).",[32,2674,2675],{},"EDD may request more information about your pilot pay structure.",[24,2677,2679],{"id":2678},"phase-3-payment-days-28-35","Phase 3: Payment (Days 28-35)",[15,2681,2682],{},[263,2683,2613],{},[29,2685,2686,2689,2695],{},[32,2687,2688],{},"If approved, your first payment is issued.",[32,2690,2691,2694],{},[263,2692,2693],{},"Waiting Period",": You are NOT paid for the first 7 days of your disability.",[32,2696,2697,2700],{},[263,2698,2699],{},"Retroactive Payment",": If your disability lasts more than 14 days, the 7-day waiting period is sometimes paid retroactively (depending on current policy).",[15,2702,2703],{},[263,2704,2705],{},"Payment Method:",[29,2707,2708,2711],{},[32,2709,2710],{},"Default: EDD Debit Card (Bank of America). This is mailed to you automatically.",[32,2712,2713],{},"Optional: Direct Deposit. You must enroll for this in your SDI Online account.",[19,2715,2717],{"id":2716},"long-term-maintenance","Long-Term Maintenance",[24,2719,2721],{"id":2720},"every-2-weeks-continued-certification","Every 2 Weeks: Continued Certification",[15,2723,2724],{},"You must certify every 14 days that you are still disabled and unable to work flight duty. This is done via SDI Online or by mail using Form DE 2500A.",[24,2726,2728],{"id":2727},"every-1-3-months-physician-re-certification","Every 1-3 Months: Physician Re-certification",[15,2730,2731],{},"Depending on the duration of your disability, EDD may require your doctor to provide an updated certification (Physician\u002FPractitioner’s Supplementary Certificate - DE 2525XX).",[376,2733,2735],{"title":2734,"type":425},"Hartford LTD Trigger",[15,2736,2737],{},"Remember, your Hartford LTD benefits typically begin after 180 days. You must keep your SDI claim active and documented, as Hartford will require proof of your SDI status to calculate your LTD offset.",[490,2739,2740,2750],{},[493,2741,2742],{},[496,2743,2744,2747],{},[499,2745,2746],{},"Status",[499,2748,2749],{},"What It Means",[506,2751,2752,2760,2768,2776,2784,2792],{},[496,2753,2754,2757],{},[511,2755,2756],{},"Pending",[511,2758,2759],{},"Still being processed",[496,2761,2762,2765],{},[511,2763,2764],{},"Incomplete",[511,2766,2767],{},"Missing information needed",[496,2769,2770,2773],{},[511,2771,2772],{},"Approved",[511,2774,2775],{},"Claim approved, payment pending",[496,2777,2778,2781],{},[511,2779,2780],{},"Paid",[511,2782,2783],{},"Payment issued",[496,2785,2786,2789],{},[511,2787,2788],{},"Denied",[511,2790,2791],{},"Claim denied (see letter)",[496,2793,2794,2797],{},[511,2795,2796],{},"Suspended",[511,2798,2799],{},"Claim on hold (contact EDD)",[19,2801,2803],{"id":2802},"if-things-take-longer","If Things Take Longer",[24,2805,2807],{"id":2806},"normal-delays","Normal Delays",[15,2809,2810],{},"Some delays are expected:",[29,2812,2813,2816,2819],{},[32,2814,2815],{},"High claim volume periods",[32,2817,2818],{},"Quarter-end processing backlogs",[32,2820,2821],{},"Holiday periods",[24,2823,2825],{"id":2824},"signs-of-a-problem","Signs of a Problem",[15,2827,2828],{},"Contact EDD if:",[29,2830,2831,2834,2837,2840],{},[32,2832,2833],{},"No status change after 3 weeks",[32,2835,2836],{},"You haven't received any correspondence",[32,2838,2839],{},"Status shows \"Incomplete\" without explanation",[32,2841,2842],{},"Your doctor hasn't been contacted",[24,2844,2846],{"id":2845},"escalation-options","Escalation Options",[441,2848,2849,2855,2861,2866],{},[32,2850,2851,2854],{},[263,2852,2853],{},"Call EDD"," - Start with the main line",[32,2856,2857,2860],{},[263,2858,2859],{},"Visit in person"," - For complex issues",[32,2862,2863,1875],{},[263,2864,2865],{},"Contact your Assembly member",[32,2867,2868,2871],{},[263,2869,2870],{},"ALPA"," - Union can sometimes assist",[19,2873,2875],{"id":2874},"continuing-certification","Continuing Certification",[15,2877,2878],{},"For ongoing disabilities, you must continue to certify:",[15,2880,2881],{},[263,2882,2883],{},"Every Two Weeks:",[29,2885,2886,2889,2892],{},[32,2887,2888],{},"Confirm you're still disabled",[32,2890,2891],{},"Report any changes",[32,2893,2894],{},"Complete online or by mail",[376,2896,2898],{"title":2897,"type":379},"Don't Miss Certifications",[15,2899,2900],{},"Missing continuing certifications can stop your benefits even if you're approved.",[19,2902,2904],{"id":2903},"common-issues","Common Issues",[24,2906,2908],{"id":2907},"pending-medical-status","\"Pending Medical\" Status",[15,2910,2911,2914],{},[263,2912,2913],{},"Meaning:"," Waiting for doctor verification or certification",[15,2916,2917],{},[263,2918,2919],{},"Solution:",[441,2921,2922,2925,2928],{},[32,2923,2924],{},"Contact your doctor's office",[32,2926,2927],{},"Ask if they've completed certification",[32,2929,2930],{},"Provide their fax number to EDD if needed",[24,2932,2934],{"id":2933},"additional-info-required","\"Additional Info Required\"",[15,2936,2937,2939],{},[263,2938,2913],{}," EDD needs more documentation from you",[15,2941,2942],{},[263,2943,2919],{},[441,2945,2946,2949,2952,2955],{},[32,2947,2948],{},"Check mail and EDD online messages",[32,2950,2951],{},"Respond promptly",[32,2953,2954],{},"Send exactly what's requested",[32,2956,2957],{},"Keep copies",[24,2959,2961],{"id":2960},"no-status-updates","No Status Updates",[15,2963,2964,2966],{},[263,2965,2913],{}," Claim may be in queue, or there's an issue",[15,2968,2969],{},[263,2970,2919],{},[441,2972,2973,2976,2979],{},[32,2974,2975],{},"Wait until at least 14 days after filing",[32,2977,2978],{},"Call EDD for status update",[32,2980,2981],{},"Consider in-person visit if no response",[19,2983,2985],{"id":2984},"payment-information","Payment Information",[24,2987,2989],{"id":2988},"payment-amounts","Payment Amounts",[15,2991,2992],{},"Your weekly benefit amount:",[29,2994,2995,2998,3001],{},[32,2996,2997],{},"Calculated from highest-earning quarter",[32,2999,3000],{},"Approximately 60-70% of gross weekly pay",[32,3002,3003],{},"Maximum weekly benefit: $1,620 (2026)",[15,3005,2596,3006,3008],{},[35,3007,268],{"href":267}," to estimate your benefit.",[24,3010,3012],{"id":3011},"payment-methods","Payment Methods",[15,3014,3015],{},[263,3016,3017],{},"Direct Deposit:",[29,3019,3020,3023,3026],{},[32,3021,3022],{},"Fastest method",[32,3024,3025],{},"1-2 business days once processed",[32,3027,3028],{},"Must set up during claim filing",[15,3030,3031],{},[263,3032,3033],{},"Debit Card:",[29,3035,3036,3039,3042],{},[32,3037,3038],{},"Bank of America EDD Debit Card",[32,3040,3041],{},"Card mailed to you (takes time)",[32,3043,3044],{},"Payments deposited to card",[24,3046,3048],{"id":3047},"payment-frequency","Payment Frequency",[29,3050,3051,3054,3057],{},[32,3052,3053],{},"First payment: Covers from day 8 of disability",[32,3055,3056],{},"Ongoing: Every two weeks",[32,3058,3059],{},"Must certify to receive each payment",[19,3061,806],{"id":805},[29,3063,3064,3069,3075],{},[32,3065,3066,3068],{},[35,3067,147],{"href":146}," - Detailed tracking guidance",[32,3070,3071,3074],{},[35,3072,3073],{"href":153},"Document Requests"," - Responding to EDD requests",[32,3076,3077,3080],{},[35,3078,3079],{"href":160},"If Denied"," - What to do if denied",{"title":334,"searchDepth":335,"depth":335,"links":3082},[3083,3084,3089,3093,3098,3099,3104,3109],{"id":2583,"depth":335,"text":2584},{"id":2603,"depth":335,"text":2604,"children":3085},[3086,3087,3088],{"id":2607,"depth":340,"text":2608},{"id":2643,"depth":340,"text":2644},{"id":2678,"depth":340,"text":2679},{"id":2716,"depth":335,"text":2717,"children":3090},[3091,3092],{"id":2720,"depth":340,"text":2721},{"id":2727,"depth":340,"text":2728},{"id":2802,"depth":335,"text":2803,"children":3094},[3095,3096,3097],{"id":2806,"depth":340,"text":2807},{"id":2824,"depth":340,"text":2825},{"id":2845,"depth":340,"text":2846},{"id":2874,"depth":335,"text":2875},{"id":2903,"depth":335,"text":2904,"children":3100},[3101,3102,3103],{"id":2907,"depth":340,"text":2908},{"id":2933,"depth":340,"text":2934},{"id":2960,"depth":340,"text":2961},{"id":2984,"depth":335,"text":2985,"children":3105},[3106,3107,3108],{"id":2988,"depth":340,"text":2989},{"id":3011,"depth":340,"text":3012},{"id":3047,"depth":340,"text":3048},{"id":805,"depth":335,"text":806},"What to expect after filing your SDI claim","i-lucide-calendar",{},{"title":2568,"description":3110},"guide\u002Fpost-filing\u002Ftimeline","2iWErE9NtDMAWKkpuFlRrzxesIgQ0R31LIpiN3_V7UI",{"id":3117,"title":72,"body":3118,"description":3879,"extension":350,"icon":3880,"lastUpdated":850,"meta":3881,"navigation":354,"order":852,"path":71,"seo":3882,"stem":3883,"__hash__":3884},"guide\u002Fguide\u002Fpreparation\u002Funderstanding-pay.md",{"type":8,"value":3119,"toc":3847},[3120,3123,3126,3130,3134,3137,3151,3155,3158,3175,3179,3182,3186,3189,3203,3207,3218,3222,3226,3229,3240,3244,3247,3258,3262,3265,3279,3283,3289,3293,3296,3299,3303,3386,3390,3393,3399,3402,3408,3412,3415,3460,3466,3470,3480,3484,3487,3501,3505,3508,3622,3629,3634,3638,3643,3692,3696,3699,3724,3734,3737,3751,3755,3759,3765,3776,3780,3786,3797,3801,3804,3808,3822,3829,3831],[11,3121,72],{"id":3122},"understanding-your-pay-structure",[15,3124,3125],{},"One of the biggest challenges in filing a CA SDI claim as a FedEx pilot is that the EDD system was not designed for airline pilot compensation. Understanding how to translate your pay is critical.",[19,3127,3129],{"id":3128},"pilot-pay-vs-traditional-pay","Pilot Pay vs. Traditional Pay",[24,3131,3133],{"id":3132},"what-edd-expects","What EDD Expects",[15,3135,3136],{},"EDD's systems are designed for employees with:",[29,3138,3139,3142,3145,3148],{},[32,3140,3141],{},"Fixed monthly or bi-weekly salaries",[32,3143,3144],{},"Consistent hours each pay period",[32,3146,3147],{},"Simple pay categories (regular pay, overtime, bonus)",[32,3149,3150],{},"Clear distinction between sick pay and regular pay",[24,3152,3154],{"id":3153},"what-pilots-have","What Pilots Have",[15,3156,3157],{},"FedEx pilots have:",[29,3159,3160,3163,3166,3169,3172],{},[32,3161,3162],{},"Variable monthly income based on flying",[32,3164,3165],{},"Multiple pay components each pay period",[32,3167,3168],{},"Per diem that isn't really \"income\"",[32,3170,3171],{},"Sick pay that looks identical to flight pay on statements",[32,3173,3174],{},"Semi-monthly pay periods (twice monthly)",[19,3176,3178],{"id":3177},"identifying-sdi-on-your-pay-stub","Identifying SDI on Your Pay Stub",[15,3180,3181],{},"Before filing, confirm you are actually paying into the CA SDI system.",[24,3183,3185],{"id":3184},"common-pay-stub-labels","Common Pay Stub Labels",[15,3187,3188],{},"On FedEx pay stubs, the SDI deduction is often not labeled \"SDI\". Look for:",[29,3190,3191,3197],{},[32,3192,3193,3196],{},[263,3194,3195],{},"CA OASDI\u002FE",": This is the most common label for the California SDI tax deduction.",[32,3198,3199,3202],{},[263,3200,3201],{},"CASDI",": Another possible label.",[24,3204,3206],{"id":3205},"the-tax-rate","The Tax Rate",[15,3208,3209,3210,3213,3214,3217],{},"As of 2026, the deduction rate is ",[263,3211,3212],{},"1.3%"," of your gross taxable wages. Unlike Social Security, there is ",[263,3215,3216],{},"no maximum wage cap"," for CA SDI—you pay the percentage on your entire pilot income.",[19,3219,3221],{"id":3220},"pay-components-explained","Pay Components Explained",[24,3223,3225],{"id":3224},"flight-pay-trip-pay","Flight Pay (Trip Pay)",[15,3227,3228],{},"This is your primary compensation—pay for actual flight hours flown.",[29,3230,3231,3234,3237],{},[32,3232,3233],{},"Varies month to month based on your schedule",[32,3235,3236],{},"Calculated based on credit hours × hourly rate",[32,3238,3239],{},"This is \"regular work pay\" in EDD terms",[24,3241,3243],{"id":3242},"per-diem","Per Diem",[15,3245,3246],{},"Compensation for meals and incidentals while traveling.",[29,3248,3249,3252,3255],{},[32,3250,3251],{},"Not technically \"wages\" in the traditional sense",[32,3253,3254],{},"FedEx pay stubs show this as non-taxable income",[32,3256,3257],{},"Does NOT count toward SDI benefit calculations",[24,3259,3261],{"id":3260},"premium-pay-override-night-differential","Premium Pay \u002F Override \u002F Night Differential",[15,3263,3264],{},"Additional compensation for specific situations:",[29,3266,3267,3270,3273],{},[32,3268,3269],{},"Override pay",[32,3271,3272],{},"Training pay",[32,3274,3275,3278],{},[263,3276,3277],{},"These are taxable wages"," and should be included in your calculations.",[24,3280,3282],{"id":3281},"sick-pay","Sick Pay",[376,3284,3286],{"title":3285,"type":425},"The Sick Pay Problem",[15,3287,3288],{},"On FedEx pay stubs, sick pay often appears listed as \"Regular Pay\" on the summary line. This is a major issue when proving to EDD that you were NOT working during periods you were on sick leave.",[24,3290,3292],{"id":3291},"vacation-pay","Vacation Pay",[15,3294,3295],{},"Pay for vacation days used. Similar to sick pay in appearance.",[15,3297,3298],{},"In many claims, EDD treats vacation pay differently from \"regular wages\" for SDI coordination. Keep vacation designations visible in your records so you can explain why a paycheck during disability does not always mean active work pay.",[19,3300,3302],{"id":3301},"pilot-specific-pay-mapping","Pilot-Specific Pay Mapping",[490,3304,3305,3318],{},[493,3306,3307],{},[496,3308,3309,3312,3315],{},[499,3310,3311],{},"Pilot Reality",[499,3313,3314],{},"EDD Assumption",[499,3316,3317],{},"Friction",[506,3319,3320,3331,3342,3353,3364,3375],{},[496,3321,3322,3325,3328],{},[511,3323,3324],{},"Semi-monthly pay",[511,3326,3327],{},"Monthly or bi-weekly",[511,3329,3330],{},"Calculation confusion",[496,3332,3333,3336,3339],{},[511,3334,3335],{},"Variable hours per month",[511,3337,3338],{},"Consistent schedule",[511,3340,3341],{},"\"Regular\" pay undefined",[496,3343,3344,3347,3350],{},[511,3345,3346],{},"Per diem (non-taxable)",[511,3348,3349],{},"All pay is wages",[511,3351,3352],{},"Confuses total income figures",[496,3354,3355,3358,3361],{},[511,3356,3357],{},"Trip pay, override, premium",[511,3359,3360],{},"Simple hourly\u002Fsalary",[511,3362,3363],{},"Multiple line items confuse processors",[496,3365,3366,3369,3372],{},[511,3367,3368],{},"Sick pay looks like regular pay",[511,3370,3371],{},"Clear distinction",[511,3373,3374],{},"Hard to prove work stopped",[496,3376,3377,3380,3383],{},[511,3378,3379],{},"Schedule varies (not M-F)",[511,3381,3382],{},"Daily work expected",[511,3384,3385],{},"\"Last day worked\" can be ambiguous",[19,3387,3389],{"id":3388},"monthly-equivalent-calculation","Monthly Equivalent Calculation",[15,3391,3392],{},"EDD often needs monthly income figures. FedEx pays semi-monthly (twice per month), so:",[413,3394,3397],{"className":3395,"code":3396,"language":418},[416],"Monthly Income = (Semi-Monthly Pay Period 1) + (Semi-Monthly Pay Period 2)\n",[420,3398,3396],{"__ignoreMap":334},[15,3400,3401],{},"For the \"highest quarter\" calculation:",[413,3403,3406],{"className":3404,"code":3405,"language":418},[416],"Quarterly Income = Month 1 + Month 2 + Month 3\n",[420,3407,3405],{"__ignoreMap":334},[19,3409,3411],{"id":3410},"your-base-period","Your Base Period",[15,3413,3414],{},"SDI benefits are calculated based on your \"base period\"—a specific 12-month window:",[490,3416,3417,3426],{},[493,3418,3419],{},[496,3420,3421,3423],{},[499,3422,501],{},[499,3424,3425],{},"Your Base Period Used",[506,3427,3428,3436,3444,3452],{},[496,3429,3430,3433],{},[511,3431,3432],{},"Jan - Mar",[511,3434,3435],{},"Oct (2 yrs ago) - Sep (1 yr ago)",[496,3437,3438,3441],{},[511,3439,3440],{},"Apr - Jun",[511,3442,3443],{},"Jan - Dec (previous year)",[496,3445,3446,3449],{},[511,3447,3448],{},"Jul - Sep",[511,3450,3451],{},"Apr (last yr) - Mar (this yr)",[496,3453,3454,3457],{},[511,3455,3456],{},"Oct - Dec",[511,3458,3459],{},"Jul (last yr) - Jun (this yr)",[376,3461,3463],{"title":3462,"type":2303},"Timing Matters",[15,3464,3465],{},"If you're close to a quarter boundary and can control your filing date, calculate which base period gives you a higher benefit. Even a few days difference in filing can change your base period.",[19,3467,3469],{"id":3468},"recommended-action-pay-explanation-letter","Recommended Action: Pay Explanation Letter",[15,3471,3472,3473,3476,3477,3479],{},"Because pilots have such complex pay, we strongly suggest submitting a ",[263,3474,3475],{},"Pilot Pay Explanation Letter"," (see our ",[35,3478,304],{"href":303}," section). This explains to the EDD processor exactly how to read your stubs and why your last day worked might not result in an immediate drop in \"pay\" (due to sick bank usage).",[19,3481,3483],{"id":3482},"what-fedex-reports-to-edd","What FedEx Reports to EDD",[15,3485,3486],{},"FedEx payroll reports wage data to EDD, but:",[29,3488,3489,3492,3495,3498],{},[32,3490,3491],{},"Categories may not match your pay stub detail",[32,3493,3494],{},"\"Regular pay\" might include sick pay",[32,3496,3497],{},"The data FedEx sends may be confusing to EDD",[32,3499,3500],{},"Some pilots have experienced incorrect or zero reporting",[24,3502,3504],{"id":3503},"what-we-know-the-format-mismatch","What We Know: The Format Mismatch",[15,3506,3507],{},"One pilot, after going through the Pilots Benefit Review Board, obtained a copy of what FedEx sent to CA EDD. It was a spreadsheet with these columns:",[490,3509,3510,3520],{},[493,3511,3512],{},[496,3513,3514,3517],{},[499,3515,3516],{},"Earn Code",[499,3518,3519],{},"Description",[506,3521,3522,3532,3542,3552,3562,3572,3582,3592,3602,3612],{},[496,3523,3524,3529],{},[511,3525,3526],{},[420,3527,3528],{},"POV",[511,3530,3531],{},"Pilot Regular",[496,3533,3534,3539],{},[511,3535,3536],{},[420,3537,3538],{},"PRH",[511,3540,3541],{},"Pilot BLG",[496,3543,3544,3549],{},[511,3545,3546],{},[420,3547,3548],{},"PRT",[511,3550,3551],{},"Pilot Required Training",[496,3553,3554,3559],{},[511,3555,3556],{},[420,3557,3558],{},"PDN",[511,3560,3561],{},"Pilot--Non Taxable Per Diem",[496,3563,3564,3569],{},[511,3565,3566],{},[420,3567,3568],{},"PIP",[511,3570,3571],{},"Pilot--International Pay",[496,3573,3574,3579],{},[511,3575,3576],{},[420,3577,3578],{},"PVB",[511,3580,3581],{},"Pilot--Vacation Buyback",[496,3583,3584,3589],{},[511,3585,3586],{},[420,3587,3588],{},"POH",[511,3590,3591],{},"Pilot Overpayment",[496,3593,3594,3599],{},[511,3595,3596],{},[420,3597,3598],{},"KLT",[511,3600,3601],{},"Disability--Long Term Update",[496,3603,3604,3609],{},[511,3605,3606],{},[420,3607,3608],{},"RCT",[511,3610,3611],{},"Bonus--Recruitment\u002FSigning",[496,3613,3614,3619],{},[511,3615,3616],{},[420,3617,3618],{},"ZUU",[511,3620,3621],{},"Expat Sub Yr",[15,3623,3624,3625,3628],{},"The pilot's feedback: ",[263,3626,3627],{},"CA EDD did not understand the information given to them by FedEx."," EDD staff are trained on standard weekly pay jobs, not BLG formulas, per diem, overages, and bid-month boundaries. When EDD sees codes they do not recognize, they default to their own interpretation—which may result in a denial.",[15,3630,3631],{},[263,3632,3633],{},"You have no way of knowing what information FedEx passed to EDD or in what form unless you request it.",[24,3635,3637],{"id":3636},"what-you-can-do-action-steps","What You Can Do (Action Steps)",[15,3639,3640],{},[263,3641,3642],{},"If your claim is denied or stalled due to wage\u002Fpay-date confusion:",[441,3644,3645,3659,3665,3682],{},[32,3646,3647,3650,3651,3654,3655,3658],{},[263,3648,3649],{},"Identify the FedEx contact."," As of this writing, the only FedEx contact identified who handles EDD pay verification is ",[263,3652,3653],{},"Jennifer Crisp, FedEx Senior Benefits Advisor"," (",[35,3656,3657],{"href":294},"see contacts","). It was nearly impossible for the reporting pilot to find anyone else at FedEx who knew who handled these requests.",[32,3660,3661,3664],{},[263,3662,3663],{},"Request the data."," Ask Jennifer Crisp (or whoever is currently in this role) for a copy of the spreadsheet or data FedEx submitted to CA EDD on your behalf. You need to see exactly what EDD received before you can fix the confusion.",[32,3666,3667,3670,3671],{},[263,3668,3669],{},"Compare against your records."," Once you have the FedEx data, compare it to your ADP pay stubs and your schedule. Look for:",[29,3672,3673,3676,3679],{},[32,3674,3675],{},"Dates that do not match your actual last day worked",[32,3677,3678],{},"Pay codes EDD may misread (e.g., \"Pilot Regular\" when it was actually sick pay)",[32,3680,3681],{},"Bid-month boundary dates being treated as calendar-month work dates",[32,3683,3684,3687,3688,3691],{},[263,3685,3686],{},"Go in person."," The pilot who reported this found that resolving the mismatch over the phone was not effective. ",[263,3689,3690],{},"To solve the problem with CA EDD will probably take an in-person visit."," Someone needs to resolve this with FedEx, not just CA EDD.",[24,3693,3695],{"id":3694},"the-bid-month-vs-calendar-month-trap","The Bid Month vs. Calendar Month Trap",[15,3697,3698],{},"This is a documented case where the format mismatch cost a pilot money:",[29,3700,3701,3708,3714,3721],{},[32,3702,3703,3704,3707],{},"Pilot started receiving LTD on ",[263,3705,3706],{},"April 28, 2025"," (beginning of the May '25 bid month)",[32,3709,3710,3711],{},"ADP pay statement showed pay through ",[263,3712,3713],{},"April 30, 2025",[32,3715,3716,3717,3720],{},"CA EDD denied disability pay for ",[263,3718,3719],{},"April 28-30"," (~$800)",[32,3722,3723],{},"Reason: EDD's system saw \"paid through April 30\" and treated the pilot as still working on those days",[15,3725,3726,3729,3730,3733],{},[263,3727,3728],{},"Action step:"," When filing, explicitly clarify your ",[263,3731,3732],{},"last day physically on duty"," and note that your ADP \"pay through\" date reflects the bid-month cutoff, not your disability start date. If this specific issue caused your denial, bring your ADP stubs, schedule, and the FedEx data to an in-person EDD visit.",[15,3735,3736],{},"Before filing, consider:",[441,3738,3739,3742,3745,3748],{},[32,3740,3741],{},"Reviewing what data EDD already has about you",[32,3743,3744],{},"Gathering your own pay stubs as backup",[32,3746,3747],{},"Being prepared to explain pilot compensation",[32,3749,3750],{},"Requesting a copy of what FedEx submits to EDD if a problem arises",[19,3752,3754],{"id":3753},"tools-to-help","Tools to Help",[24,3756,3758],{"id":3757},"use-the-calculator","Use the Calculator",[15,3760,3761,3762,3764],{},"Our ",[35,3763,2540],{"href":267}," helps you:",[29,3766,3767,3770,3773],{},[32,3768,3769],{},"Input your quarterly income",[32,3771,3772],{},"See your estimated SDI benefit",[32,3774,3775],{},"Understand how income translates to benefits",[24,3777,3779],{"id":3778},"gather-documentation","Gather Documentation",[15,3781,3782,3783,892],{},"For the ",[35,3784,3785],{"href":276},"preparation checklist",[29,3787,3788,3791,3794],{},[32,3789,3790],{},"Save at least 18 months of pay stubs",[32,3792,3793],{},"Calculate your highest quarter",[32,3795,3796],{},"Document which pay represents actual work vs. sick time",[19,3798,3800],{"id":3799},"explaining-to-edd","Explaining to EDD",[15,3802,3803],{},"If you need to explain your pay to an EDD representative:",[15,3805,3806],{},[263,3807,2098],{},[441,3809,3810,3813,3816,3819],{},[32,3811,3812],{},"\"I am an airline pilot paid per flight hour, not hourly wages\"",[32,3814,3815],{},"\"My schedule and pay vary month to month\"",[32,3817,3818],{},"\"A full month of work is typically 75-85 flight hours\"",[32,3820,3821],{},"\"Sick pay appears the same as regular pay on my statements\"",[15,3823,3824,3825,3828],{},"See the ",[35,3826,3827],{"href":303},"Pay Stub Translator"," section for tools to create EDD-friendly summaries.",[19,3830,806],{"id":805},[29,3832,3833,3837,3842],{},[32,3834,3835,80],{},[35,3836,79],{"href":78},[32,3838,3839,3841],{},[35,3840,268],{"href":267}," - Calculate your benefits",[32,3843,3844,3846],{},[35,3845,277],{"href":276}," - Start tracking preparation steps",{"title":334,"searchDepth":335,"depth":335,"links":3848},[3849,3853,3857,3864,3865,3866,3867,3868,3873,3877,3878],{"id":3128,"depth":335,"text":3129,"children":3850},[3851,3852],{"id":3132,"depth":340,"text":3133},{"id":3153,"depth":340,"text":3154},{"id":3177,"depth":335,"text":3178,"children":3854},[3855,3856],{"id":3184,"depth":340,"text":3185},{"id":3205,"depth":340,"text":3206},{"id":3220,"depth":335,"text":3221,"children":3858},[3859,3860,3861,3862,3863],{"id":3224,"depth":340,"text":3225},{"id":3242,"depth":340,"text":3243},{"id":3260,"depth":340,"text":3261},{"id":3281,"depth":340,"text":3282},{"id":3291,"depth":340,"text":3292},{"id":3301,"depth":335,"text":3302},{"id":3388,"depth":335,"text":3389},{"id":3410,"depth":335,"text":3411},{"id":3468,"depth":335,"text":3469},{"id":3482,"depth":335,"text":3483,"children":3869},[3870,3871,3872],{"id":3503,"depth":340,"text":3504},{"id":3636,"depth":340,"text":3637},{"id":3694,"depth":340,"text":3695},{"id":3753,"depth":335,"text":3754,"children":3874},[3875,3876],{"id":3757,"depth":340,"text":3758},{"id":3778,"depth":340,"text":3779},{"id":3799,"depth":335,"text":3800},{"id":805,"depth":335,"text":806},"How FedEx pilot pay translates to EDD's understanding","i-lucide-dollar-sign",{},{"title":72,"description":3879},"guide\u002Fpreparation\u002Funderstanding-pay","6N0llP2nxm2y73-dI3BIdbNQGC5huci_8qWyFB8d_Kw",{"id":3886,"title":3887,"body":3888,"description":5162,"extension":350,"icon":5163,"lastUpdated":850,"meta":5164,"navigation":354,"order":852,"path":5165,"seo":5166,"stem":5167,"__hash__":5168},"guide\u002Fguide\u002Fspecial\u002Falpa-supplemental.md","ALPA Supplemental Disability Plan",{"type":8,"value":3889,"toc":5113},[3890,3893,3896,3900,3904,3909,3926,3930,3935,3952,3958,3961,3965,3969,3974,4031,4035,4040,4054,4056,4060,4064,4069,4072,4077,4083,4088,4103,4118,4122,4127,4138,4143,4154,4159,4170,4175,4186,4190,4195,4209,4214,4225,4230,4241,4243,4247,4251,4256,4270,4275,4286,4290,4295,4311,4316,4327,4331,4336,4347,4352,4363,4369,4371,4375,4379,4384,4444,4449,4502,4506,4511,4525,4530,4541,4543,4547,4551,4556,4602,4607,4618,4622,4627,4647,4651,4656,4670,4672,4676,4679,4684,4692,4695,4700,4714,4719,4733,4738,4752,4754,4758,4762,4767,4781,4785,4790,4803,4808,4819,4821,4825,4829,4834,4848,4853,4867,4871,4876,4890,4894,4899,4913,4917,4922,4928,4933,4947,4949,4951,4955,4960,4978,4983,4997,5001,5005,5013,5017,5022,5033,5035,5037,5040,5072,5075,5107],[11,3891,3887],{"id":3892},"alpa-supplemental-disability-plan",[15,3894,3895],{},"Many pilots carry supplemental disability coverage through ALPA in addition to the FedEx LTD Plan. Understanding how these plans interact is important for maximizing your benefits.",[19,3897,3899],{"id":3898},"two-separate-plans","Two Separate Plans",[24,3901,3903],{"id":3902},"fedex-ltd-plan","FedEx LTD Plan",[15,3905,3906],{},[263,3907,3908],{},"Employer-sponsored:",[29,3910,3911,3914,3917,3920,3923],{},[32,3912,3913],{},"Provided through FedEx",[32,3915,3916],{},"Coverage defined in CBA",[32,3918,3919],{},"Premium paid by employer",[32,3921,3922],{},"Claims administered by third party (Aetna or Hartford)",[32,3924,3925],{},"Subject to CBA terms",[24,3927,3929],{"id":3928},"alpa-disability-insurance","ALPA Disability Insurance",[15,3931,3932],{},[263,3933,3934],{},"Union-sponsored:",[29,3936,3937,3940,3943,3946,3949],{},[32,3938,3939],{},"Optional coverage through ALPA",[32,3941,3942],{},"Premium paid by pilot",[32,3944,3945],{},"Various coverage levels available",[32,3947,3948],{},"Separate claims administrator",[32,3950,3951],{},"Subject to ALPA plan terms",[376,3953,3955],{"title":3954,"type":574},"Independent Coverage",[15,3956,3957],{},"These are two completely separate insurance policies with different eligibility rules, benefit amounts, and claims processes.",[3959,3960],"hr",{},[19,3962,3964],{"id":3963},"benefits-of-supplemental-coverage","Benefits of Supplemental Coverage",[24,3966,3968],{"id":3967},"why-pilots-buy-supplemental-insurance","Why Pilots Buy Supplemental Insurance",[15,3970,3971],{},[263,3972,3973],{},"Gaps in FedEx LTD:",[441,3975,3976,3992,4005,4018],{},[32,3977,3978,3981],{},[263,3979,3980],{},"Income replacement limit",[29,3982,3983,3986,3989],{},[32,3984,3985],{},"FedEx LTD capped at 60%\u002F50% of earnings",[32,3987,3988],{},"401(a)(17) limit may reduce benefit for high earners",[32,3990,3991],{},"Supplemental insurance can fill the gap",[32,3993,3994,3997],{},[263,3995,3996],{},"Mental health duration limits",[29,3998,3999,4002],{},[32,4000,4001],{},"FedEx LTD: 60-month maximum",[32,4003,4004],{},"Some supplemental plans: Different or no limits",[32,4006,4007,4010],{},[263,4008,4009],{},"Taxability",[29,4011,4012,4015],{},[32,4013,4014],{},"FedEx LTD: Taxable (employer-paid premium)",[32,4016,4017],{},"Supplemental: Non-taxable (pilot-paid premium)",[32,4019,4020,4023],{},[263,4021,4022],{},"Own-occupation definition",[29,4024,4025,4028],{},[32,4026,4027],{},"FedEx LTD: Switches to \"any occupation\" after 24 months",[32,4029,4030],{},"Some supplemental: \"Own occupation\" for longer period",[24,4032,4034],{"id":4033},"typical-coverage-amounts","Typical Coverage Amounts",[15,4036,4037],{},[263,4038,4039],{},"ALPA supplemental options vary:",[29,4041,4042,4045,4048,4051],{},[32,4043,4044],{},"$2,000 - $10,000+ per month",[32,4046,4047],{},"Based on pilot's income",[32,4049,4050],{},"Subject to underwriting",[32,4052,4053],{},"Premium based on age and coverage amount",[3959,4055],{},[19,4057,4059],{"id":4058},"information-sharing-cba-section-27j20","Information Sharing (CBA Section 27.J.20)",[24,4061,4063],{"id":4062},"when-both-plans-use-same-administrator","When Both Plans Use Same Administrator",[15,4065,4066],{},[263,4067,4068],{},"CBA provision:",[15,4070,4071],{},"If both the FedEx LTD Plan and the ALPA-sponsored disability plan are administered by the same company (currently may be Aetna), you can authorize information sharing.",[15,4073,4074],{},[263,4075,4076],{},"Important clarification:",[4078,4079,4080],"blockquote",{},[15,4081,4082],{},"\"Each plan shall be administered independently... there shall be no collaboration... in claims payment decisions under each plan\"",[15,4084,4085],{},[263,4086,4087],{},"What this means:",[15,4089,4090,4091,4094,4095,4098,4099,4102],{},"✅ ",[263,4092,4093],{},"Can share:"," Medical records and documentation\n✅ ",[263,4096,4097],{},"Reduces:"," Duplicate paperwork requests\n✅ ",[263,4100,4101],{},"Saves time:"," Don't need to submit same documents twice",[15,4104,4105,4106,4109,4110,4113,4114,4117],{},"❌ ",[263,4107,4108],{},"Cannot affect:"," Approval decisions on either plan\n❌ ",[263,4111,4112],{},"No guarantee:"," Approval on one doesn't mean approval on other\n❌ ",[263,4115,4116],{},"Independent:"," Each plan decides separately",[24,4119,4121],{"id":4120},"how-to-authorize-information-sharing","How to Authorize Information Sharing",[15,4123,4124],{},[263,4125,4126],{},"Step 1: Verify same administrator",[29,4128,4129,4132,4135],{},[32,4130,4131],{},"Check FedEx LTD administrator (Aetna or Hartford)",[32,4133,4134],{},"Check ALPA plan administrator",[32,4136,4137],{},"Confirm they're the same company",[15,4139,4140],{},[263,4141,4142],{},"Step 2: Request authorization form",[29,4144,4145,4148,4151],{},[32,4146,4147],{},"Contact either administrator",[32,4149,4150],{},"Request \"Authorization to Share Information Form\"",[32,4152,4153],{},"May also be called \"Inter-Plan Medical Release\"",[15,4155,4156],{},[263,4157,4158],{},"Step 3: Complete and submit",[29,4160,4161,4164,4167],{},[32,4162,4163],{},"Sign and date form",[32,4165,4166],{},"Submit to both plans",[32,4168,4169],{},"Keep copy for your records",[15,4171,4172],{},[263,4173,4174],{},"Step 4: Confirm activation",[29,4176,4177,4180,4183],{},[32,4178,4179],{},"Verify with both administrators",[32,4181,4182],{},"Understand what will be shared",[32,4184,4185],{},"Know that decisions remain separate",[24,4187,4189],{"id":4188},"benefits-of-information-sharing","Benefits of Information Sharing",[15,4191,4192],{},[263,4193,4194],{},"For you:",[29,4196,4197,4200,4203,4206],{},[32,4198,4199],{},"Submit medical records once",[32,4201,4202],{},"Fewer duplicate requests",[32,4204,4205],{},"Reduced administrative burden",[32,4207,4208],{},"Faster processing (potentially)",[15,4210,4211],{},[263,4212,4213],{},"For administrators:",[29,4215,4216,4219,4222],{},[32,4217,4218],{},"Access to complete medical file",[32,4220,4221],{},"Reduced costs",[32,4223,4224],{},"Better coordination of care",[15,4226,4227],{},[263,4228,4229],{},"Limitations:",[29,4231,4232,4235,4238],{},[32,4233,4234],{},"Only works if same company administers both",[32,4236,4237],{},"Must be renewed periodically",[32,4239,4240],{},"Can be revoked at any time",[3959,4242],{},[19,4244,4246],{"id":4245},"filing-claims-on-both-plans","Filing Claims on Both Plans",[24,4248,4250],{"id":4249},"file-separately","File Separately",[15,4252,4253],{},[263,4254,4255],{},"Each plan requires:",[29,4257,4258,4261,4264,4267],{},[32,4259,4260],{},"Separate claim application",[32,4262,4263],{},"Own claim number",[32,4265,4266],{},"Individual correspondence",[32,4268,4269],{},"Separate appeals process",[15,4271,4272],{},[263,4273,4274],{},"Timeline:",[29,4276,4277,4280,4283],{},[32,4278,4279],{},"File both claims at same time if possible",[32,4281,4282],{},"Don't wait for one to be approved before filing other",[32,4284,4285],{},"Processing times may differ",[24,4287,4289],{"id":4288},"information-to-provide","Information to Provide",[15,4291,4292],{},[263,4293,4294],{},"Both will ask for:",[29,4296,4297,4300,4303,4305,4308],{},[32,4298,4299],{},"Personal information",[32,4301,4302],{},"Employment information",[32,4304,1330],{},[32,4306,4307],{},"Attending physician statement",[32,4309,4310],{},"Financial information",[15,4312,4313],{},[263,4314,4315],{},"Additional questions:",[29,4317,4318,4321,4324],{},[32,4319,4320],{},"\"Do you have other disability insurance?\" (Answer: Yes)",[32,4322,4323],{},"\"Have you filed with other carriers?\" (Answer: Yes)",[32,4325,4326],{},"Details about the other plan",[24,4328,4330],{"id":4329},"coordination-of-benefits","Coordination of Benefits",[15,4332,4333],{},[263,4334,4335],{},"Neither plan reduces for the other:",[29,4337,4338,4341,4344],{},[32,4339,4340],{},"FedEx LTD doesn't offset ALPA supplemental",[32,4342,4343],{},"ALPA supplemental doesn't offset FedEx LTD",[32,4345,4346],{},"You can receive both simultaneously",[15,4348,4349],{},[263,4350,4351],{},"But both may reduce for:",[29,4353,4354,4357,4360],{},[32,4355,4356],{},"Social Security Disability",[32,4358,4359],{},"Workers' compensation",[32,4361,4362],{},"Other disability income sources",[376,4364,4366],{"title":4365,"type":574},"Additive Benefits",[15,4367,4368],{},"Unlike CA SDI which offsets from FedEx LTD, ALPA supplemental coverage typically stacks on top of FedEx LTD.",[3959,4370],{},[19,4372,4374],{"id":4373},"different-definitions-and-criteria","Different Definitions and Criteria",[24,4376,4378],{"id":4377},"why-one-may-approve-and-other-deny","Why One May Approve and Other Deny",[15,4380,4381],{},[263,4382,4383],{},"Each plan has its own:",[441,4385,4386,4402,4418,4431],{},[32,4387,4388,4391],{},[263,4389,4390],{},"Definition of disability",[29,4392,4393,4396,4399],{},[32,4394,4395],{},"Own occupation vs. any occupation",[32,4397,4398],{},"When the standard changes",[32,4400,4401],{},"What restrictions qualify",[32,4403,4404,4407],{},[263,4405,4406],{},"Medical evidence requirements",[29,4408,4409,4412,4415],{},[32,4410,4411],{},"Types of tests needed",[32,4413,4414],{},"Specialist requirements",[32,4416,4417],{},"Documentation standards",[32,4419,4420,4423],{},[263,4421,4422],{},"Waiting periods",[29,4424,4425,4428],{},[32,4426,4427],{},"Elimination periods may differ",[32,4429,4430],{},"When benefits begin",[32,4432,4433,4436],{},[263,4434,4435],{},"Coverage duration",[29,4437,4438,4441],{},[32,4439,4440],{},"Maximum benefit periods",[32,4442,4443],{},"Condition-specific limits",[15,4445,4446],{},[263,4447,4448],{},"Possible outcomes:",[490,4450,4451,4464],{},[493,4452,4453],{},[496,4454,4455,4458,4461],{},[499,4456,4457],{},"FedEx LTD",[499,4459,4460],{},"ALPA Supplemental",[499,4462,4463],{},"Explanation",[506,4465,4466,4475,4484,4493],{},[496,4467,4468,4470,4472],{},[511,4469,2772],{},[511,4471,2772],{},[511,4473,4474],{},"Most common if both requirements met",[496,4476,4477,4479,4481],{},[511,4478,2772],{},[511,4480,2788],{},[511,4482,4483],{},"Supplemental has stricter definition",[496,4485,4486,4488,4490],{},[511,4487,2788],{},[511,4489,2772],{},[511,4491,4492],{},"Rare, but possible with different criteria",[496,4494,4495,4497,4499],{},[511,4496,2788],{},[511,4498,2788],{},[511,4500,4501],{},"Don't meet either plan's definition",[24,4503,4505],{"id":4504},"if-one-approves-and-other-denies","If One Approves and Other Denies",[15,4507,4508],{},[263,4509,4510],{},"You can:",[29,4512,4513,4516,4519,4522],{},[32,4514,4515],{},"Appeal the denial independently",[32,4517,4518],{},"Provide additional evidence",[32,4520,4521],{},"Use approval from one as supporting evidence for other",[32,4523,4524],{},"But decisions remain independent",[15,4526,4527],{},[263,4528,4529],{},"Don't assume:",[29,4531,4532,4535,4538],{},[32,4533,4534],{},"Approval on one guarantees approval on other",[32,4536,4537],{},"Denial on one means other will deny",[32,4539,4540],{},"Same criteria apply to both",[3959,4542],{},[19,4544,4546],{"id":4545},"managing-multiple-claims","Managing Multiple Claims",[24,4548,4550],{"id":4549},"organization-is-critical","Organization is Critical",[15,4552,4553],{},[263,4554,4555],{},"Create separate files:",[490,4557,4558,4568],{},[493,4559,4560],{},[496,4561,4562,4565],{},[499,4563,4564],{},"FedEx LTD File",[499,4566,4567],{},"ALPA Supplemental File",[506,4569,4570,4578,4586,4594],{},[496,4571,4572,4575],{},[511,4573,4574],{},"FedEx claim forms",[511,4576,4577],{},"ALPA claim forms",[496,4579,4580,4583],{},[511,4581,4582],{},"FedEx correspondence",[511,4584,4585],{},"ALPA correspondence",[496,4587,4588,4591],{},[511,4589,4590],{},"FedEx payment records",[511,4592,4593],{},"ALPA payment records",[496,4595,4596,4599],{},[511,4597,4598],{},"FedEx appeal info",[511,4600,4601],{},"ALPA appeal info",[15,4603,4604],{},[263,4605,4606],{},"Shared documents:",[29,4608,4609,4612,4615],{},[32,4610,4611],{},"Medical records (copies in both)",[32,4613,4614],{},"Test results (copies in both)",[32,4616,4617],{},"Doctor's statements (copies in both)",[24,4619,4621],{"id":4620},"communication-log","Communication Log",[15,4623,4624],{},[263,4625,4626],{},"Track separately:",[29,4628,4629,4632,4635,4638,4641,4644],{},[32,4630,4631],{},"Date and time of contact",[32,4633,4634],{},"Which plan (FedEx or ALPA)",[32,4636,4637],{},"Person contacted",[32,4639,4640],{},"Topic discussed",[32,4642,4643],{},"Follow-up needed",[32,4645,4646],{},"Confirmation numbers",[24,4648,4650],{"id":4649},"document-submission","Document Submission",[15,4652,4653],{},[263,4654,4655],{},"Best practice:",[29,4657,4658,4661,4664,4667],{},[32,4659,4660],{},"Send documents to both plans separately",[32,4662,4663],{},"Don't assume information sharing means automatic sharing",[32,4665,4666],{},"Confirm receipt with both plans",[32,4668,4669],{},"Note in your log what was sent where",[3959,4671],{},[19,4673,4675],{"id":4674},"premium-payments-during-disability","Premium Payments During Disability",[24,4677,4457],{"id":4678},"fedex-ltd",[15,4680,4681],{},[263,4682,4683],{},"No premium:",[29,4685,4686,4689],{},[32,4687,4688],{},"Employer-paid",[32,4690,4691],{},"Nothing to maintain",[24,4693,4460],{"id":4694},"alpa-supplemental",[15,4696,4697],{},[263,4698,4699],{},"Pilot-paid premium:",[29,4701,4702,4705,4708,4711],{},[32,4703,4704],{},"Must continue premium payments",[32,4706,4707],{},"Even while disabled",[32,4709,4710],{},"Even while collecting benefits",[32,4712,4713],{},"Coverage lapses if premium not paid",[15,4715,4716],{},[263,4717,4718],{},"Waiver of premium:",[29,4720,4721,4724,4727,4730],{},[32,4722,4723],{},"Some policies include this benefit",[32,4725,4726],{},"Premiums waived after certain period on disability",[32,4728,4729],{},"Check your specific policy",[32,4731,4732],{},"Usually requires 90-180 days of disability",[15,4734,4735],{},[263,4736,4737],{},"Important:",[29,4739,4740,4743,4746,4749],{},[32,4741,4742],{},"Verify waiver provisions in your policy",[32,4744,4745],{},"Submit waiver claim if applicable",[32,4747,4748],{},"Maintain payments until waiver approved",[32,4750,4751],{},"Don't let policy lapse",[3959,4753],{},[19,4755,4757],{"id":4756},"tax-implications","Tax Implications",[24,4759,4761],{"id":4760},"fedex-ltd-benefits","FedEx LTD Benefits",[15,4763,4764],{},[263,4765,4766],{},"Taxable income:",[29,4768,4769,4772,4775,4778],{},[32,4770,4771],{},"Federal income tax applies",[32,4773,4774],{},"State income tax applies (if your state has it)",[32,4776,4777],{},"Because employer paid premium",[32,4779,4780],{},"Reported on W-2 or 1099",[24,4782,4784],{"id":4783},"alpa-supplemental-benefits","ALPA Supplemental Benefits",[15,4786,4787],{},[263,4788,4789],{},"Non-taxable (usually):",[29,4791,4792,4795,4798,4801],{},[32,4793,4794],{},"If you paid premium with after-tax dollars",[32,4796,4797],{},"Not reported as income",[32,4799,4800],{},"No tax withholding",[32,4802,4729],{},[15,4804,4805],{},[263,4806,4807],{},"Why this matters:",[29,4809,4810,4813,4816],{},[32,4811,4812],{},"$5,000\u002Fmonth taxable = ~$3,750 after tax (25% bracket)",[32,4814,4815],{},"$5,000\u002Fmonth non-taxable = $5,000 in your pocket",[32,4817,4818],{},"Supplemental provides more net income per dollar",[3959,4820],{},[19,4822,4824],{"id":4823},"common-questions","Common Questions",[24,4826,4828],{"id":4827},"q-should-i-buy-alpa-supplemental-coverage","Q: Should I buy ALPA supplemental coverage?",[15,4830,4831],{},[263,4832,4833],{},"Consider if:",[29,4835,4836,4839,4842,4845],{},[32,4837,4838],{},"You want income replacement above 60%",[32,4840,4841],{},"You're a high earner near 401(a)(17) cap",[32,4843,4844],{},"You want non-taxable benefits",[32,4846,4847],{},"You want longer own-occupation coverage",[15,4849,4850],{},[263,4851,4852],{},"May not need if:",[29,4854,4855,4858,4861,4864],{},[32,4856,4857],{},"You have adequate savings",[32,4859,4860],{},"You have other disability insurance",[32,4862,4863],{},"Premium cost is prohibitive",[32,4865,4866],{},"You're close to retirement",[24,4868,4870],{"id":4869},"q-when-should-i-buy-it","Q: When should I buy it?",[15,4872,4873],{},[263,4874,4875],{},"Best time:",[29,4877,4878,4881,4884,4887],{},[32,4879,4880],{},"Early in career when younger and healthier",[32,4882,4883],{},"Before any medical conditions develop",[32,4885,4886],{},"When premiums are lowest",[32,4888,4889],{},"While you can pass underwriting",[24,4891,4893],{"id":4892},"q-can-i-buy-it-while-on-disability","Q: Can I buy it while on disability?",[15,4895,4896],{},[263,4897,4898],{},"Generally no:",[29,4900,4901,4904,4907,4910],{},[32,4902,4903],{},"Must be actively working",[32,4905,4906],{},"Must pass medical underwriting",[32,4908,4909],{},"Pre-existing conditions excluded",[32,4911,4912],{},"Buy before you need it",[24,4914,4916],{"id":4915},"q-how-much-coverage-should-i-get","Q: How much coverage should I get?",[15,4918,4919],{},[263,4920,4921],{},"Calculation:",[413,4923,4926],{"className":4924,"code":4925,"language":418},[416],"Monthly income:           $15,000\nFedEx LTD (60%):         $9,000\nDesired replacement:      $12,000 (80%)\nGap:                      $3,000\n\nConsider: $3,000-4,000\u002Fmonth supplemental\n",[420,4927,4925],{"__ignoreMap":334},[15,4929,4930],{},[263,4931,4932],{},"Balance:",[29,4934,4935,4938,4941,4944],{},[32,4936,4937],{},"Coverage needed",[32,4939,4940],{},"Premium cost",[32,4942,4943],{},"Other resources",[32,4945,4946],{},"Risk tolerance",[3959,4948],{},[19,4950,1389],{"id":1388},[24,4952,4954],{"id":4953},"alpa-insurance","ALPA Insurance",[15,4956,4957],{},[263,4958,4959],{},"Contact:",[29,4961,4962,4965,4972],{},[32,4963,4964],{},"ALPA Member Insurance Plan: 1-800-ALPAins (1-800-257-2467)",[32,4966,4967,4968],{},"Website: ",[4969,4970,4971],"span",{},"ALPA insurance website",[32,4973,4974,4975],{},"Email: ",[4969,4976,4977],{},"ALPA insurance email",[15,4979,4980],{},[263,4981,4982],{},"Information available:",[29,4984,4985,4988,4991,4994],{},[32,4986,4987],{},"Coverage options",[32,4989,4990],{},"Premium quotes",[32,4992,4993],{},"Policy documents",[32,4995,4996],{},"Claims procedures",[24,4998,5000],{"id":4999},"fedex-benefits","FedEx Benefits",[15,5002,5003],{},[263,5004,4959],{},[29,5006,5007,5010],{},[32,5008,5009],{},"FedEx Benefits Service Center: 1-855-545-4748",[32,5011,5012],{},"For questions about FedEx LTD plan",[24,5014,5016],{"id":5015},"both-plans","Both Plans",[15,5018,5019],{},[263,5020,5021],{},"For coordination questions:",[29,5023,5024,5027,5030],{},[32,5025,5026],{},"Contact both administrators",[32,5028,5029],{},"Reference CBA Section 27.J.20 for information sharing",[32,5031,5032],{},"Ask about inter-plan communication procedures",[3959,5034],{},[19,5036,806],{"id":805},[15,5038,5039],{},"If you have supplemental coverage:",[441,5041,5042,5048,5054,5060,5066],{},[32,5043,5044,5047],{},[263,5045,5046],{},"Locate your policy"," - Find your ALPA policy documents",[32,5049,5050,5053],{},[263,5051,5052],{},"Review coverage"," - Understand what you have",[32,5055,5056,5059],{},[263,5057,5058],{},"Note important dates"," - Elimination period, benefit period",[32,5061,5062,5065],{},[263,5063,5064],{},"Find claim forms"," - Know where to get them",[32,5067,5068,5071],{},[263,5069,5070],{},"File promptly"," - Don't delay filing either claim",[15,5073,5074],{},"If you don't have supplemental coverage:",[441,5076,5077,5083,5089,5095,5101],{},[32,5078,5079,5082],{},[263,5080,5081],{},"Assess your risk"," - Calculate your income replacement need",[32,5084,5085,5088],{},[263,5086,5087],{},"Get quotes"," - Compare coverage options and costs",[32,5090,5091,5094],{},[263,5092,5093],{},"Review finances"," - Determine affordability",[32,5096,5097,5100],{},[263,5098,5099],{},"Consider timing"," - Buy while healthy if you're going to buy",[32,5102,5103,5106],{},[263,5104,5105],{},"Make informed decision"," - Weigh costs and benefits",[376,5108,5110],{"title":5109,"type":574},"Independent Expert Advice",[15,5111,5112],{},"Consider consulting with a financial advisor or insurance professional who specializes in pilot benefits to determine if supplemental coverage is right for you.",{"title":334,"searchDepth":335,"depth":335,"links":5114},[5115,5119,5123,5128,5133,5137,5142,5146,5150,5156,5161],{"id":3898,"depth":335,"text":3899,"children":5116},[5117,5118],{"id":3902,"depth":340,"text":3903},{"id":3928,"depth":340,"text":3929},{"id":3963,"depth":335,"text":3964,"children":5120},[5121,5122],{"id":3967,"depth":340,"text":3968},{"id":4033,"depth":340,"text":4034},{"id":4058,"depth":335,"text":4059,"children":5124},[5125,5126,5127],{"id":4062,"depth":340,"text":4063},{"id":4120,"depth":340,"text":4121},{"id":4188,"depth":340,"text":4189},{"id":4245,"depth":335,"text":4246,"children":5129},[5130,5131,5132],{"id":4249,"depth":340,"text":4250},{"id":4288,"depth":340,"text":4289},{"id":4329,"depth":340,"text":4330},{"id":4373,"depth":335,"text":4374,"children":5134},[5135,5136],{"id":4377,"depth":340,"text":4378},{"id":4504,"depth":340,"text":4505},{"id":4545,"depth":335,"text":4546,"children":5138},[5139,5140,5141],{"id":4549,"depth":340,"text":4550},{"id":4620,"depth":340,"text":4621},{"id":4649,"depth":340,"text":4650},{"id":4674,"depth":335,"text":4675,"children":5143},[5144,5145],{"id":4678,"depth":340,"text":4457},{"id":4694,"depth":340,"text":4460},{"id":4756,"depth":335,"text":4757,"children":5147},[5148,5149],{"id":4760,"depth":340,"text":4761},{"id":4783,"depth":340,"text":4784},{"id":4823,"depth":335,"text":4824,"children":5151},[5152,5153,5154,5155],{"id":4827,"depth":340,"text":4828},{"id":4869,"depth":340,"text":4870},{"id":4892,"depth":340,"text":4893},{"id":4915,"depth":340,"text":4916},{"id":1388,"depth":335,"text":1389,"children":5157},[5158,5159,5160],{"id":4953,"depth":340,"text":4954},{"id":4999,"depth":340,"text":5000},{"id":5015,"depth":340,"text":5016},{"id":805,"depth":335,"text":806},"Coordinating FedEx LTD with ALPA-sponsored disability insurance","i-lucide-shield-plus",{},"\u002Fguide\u002Fspecial\u002Falpa-supplemental",{"title":3887,"description":5162},"guide\u002Fspecial\u002Falpa-supplemental","ulgrCv11XQ7thC7X0922c9dKLNSnp2AyxKaQzWCHHl8",{"id":5170,"title":5171,"body":5172,"description":5813,"extension":350,"icon":5814,"lastUpdated":850,"meta":5815,"navigation":354,"order":852,"path":234,"seo":5816,"stem":5817,"__hash__":5818},"guide\u002Fguide\u002Fspecial\u002Fout-of-state.md","Out-of-State Residents",{"type":8,"value":5173,"toc":5774},[5174,5178,5181,5185,5189,5192,5197,5208,5213,5223,5227,5233,5237,5241,5259,5264,5281,5285,5292,5296,5307,5311,5316,5330,5335,5346,5350,5353,5367,5371,5374,5379,5390,5396,5400,5404,5407,5412,5423,5428,5439,5443,5446,5451,5462,5467,5479,5483,5487,5498,5503,5514,5516,5520,5523,5540,5544,5547,5558,5564,5568,5572,5577,5588,5592,5597,5608,5612,5617,5628,5632,5636,5641,5652,5657,5668,5672,5677,5688,5692,5696,5722,5726,5737,5741,5744,5755,5757],[11,5175,5177],{"id":5176},"sdi-for-out-of-state-residents","SDI for Out-of-State Residents",[15,5179,5180],{},"Many FedEx pilots are based in California but live elsewhere. Here's how SDI works for you.",[19,5182,5184],{"id":5183},"eligibility-for-non-residents","Eligibility for Non-Residents",[24,5186,5188],{"id":5187},"the-key-question-where-are-you-taxed","The Key Question: Where Are You Taxed?",[15,5190,5191],{},"California SDI is funded by employee payroll deductions. If you pay CA SDI tax, you're potentially eligible for CA SDI benefits.",[15,5193,5194],{},[263,5195,5196],{},"You likely pay CA SDI tax if:",[29,5198,5199,5202,5205],{},[32,5200,5201],{},"Your pilot base is in California",[32,5203,5204],{},"Your work is localized in California",[32,5206,5207],{},"FedEx withholds CA SDI from your pay",[15,5209,5210],{},[263,5211,5212],{},"Check your pay stub for:",[29,5214,5215,5220],{},[32,5216,5217,5219],{},[263,5218,3195],{}," line item (this is the standard FedEx label for CA SDI)",[32,5221,5222],{},"State tax withholding for California",[24,5224,5226],{"id":5225},"living-out-of-state","Living Out of State",[376,5228,5230],{"title":5229,"type":574},"Residency Not Required",[15,5231,5232],{},"You do NOT need to live in California to receive CA SDI benefits. Eligibility is based on where you work (are taxed), not where you live.",[19,5234,5236],{"id":5235},"filing-from-out-of-state","Filing from Out of State",[24,5238,5240],{"id":5239},"initial-claim-paper-form-required","Initial Claim: Paper Form Required",[376,5242,5244],{"title":5243,"type":425},"No California ID? File by Mail",[15,5245,5246,5247,5250,5251,5254,5255,5258],{},"If you do not have a ",[263,5248,5249],{},"California Driver's License"," or ",[263,5252,5253],{},"California ID card",", you cannot register for an online account for your initial claim. You must file using the paper ",[263,5256,5257],{},"DE 2501"," form via U.S. Mail.",[15,5260,5261],{},[263,5262,5263],{},"How to get the paper form:",[441,5265,5266,5275,5278],{},[32,5267,5268,5269,5274],{},"Order it online from the ",[35,5270,5273],{"href":5271,"rel":5272},"https:\u002F\u002Fedd.ca.gov\u002Fen\u002Fdisability\u002FForms_and_Publications\u002F",[1955],"EDD Forms and Publications"," page.",[32,5276,5277],{},"Call the EDD at 1-800-480-3287 to request one.",[32,5279,5280],{},"Visit an EDD office in person if you are in California for a trip.",[24,5282,5284],{"id":5283},"future-online-access","Future Online Access",[15,5286,5287,5288,5291],{},"Once your initial paper claim is processed, the EDD will mail you an ",[263,5289,5290],{},"EDD Customer Account Number (EDDCAN)",". You can then use this number to register for an online account, which allows you to manage the rest of your claim and any future claims online.",[24,5293,5295],{"id":5294},"identity-verification-idme","Identity Verification (ID.me)",[15,5297,5298,5299,5302,5303,5306],{},"While the newer ",[263,5300,5301],{},"ID.me"," system used by myEDD accepts out-of-state IDs, the secondary registration step for ",[263,5304,5305],{},"SDI Online"," specifically requires a California-issued ID number or an existing EDDCAN. This is a common point of frustration for out-of-state pilots.",[19,5308,5310],{"id":5309},"mailing-address-considerations","Mailing Address Considerations",[15,5312,5313],{},[263,5314,5315],{},"For Correspondence:",[29,5317,5318,5321,5324],{},[32,5319,5320],{},"Use your actual home address.",[32,5322,5323],{},"EDD will mail the DE 2501 form and all correspondence there.",[32,5325,5326,5329],{},[263,5327,5328],{},"Crucial:"," Ensure you check your mail daily, as many EDD deadlines are based on the postmark date and are often very short (e.g., 2 days to respond).",[15,5331,5332],{},[263,5333,5334],{},"For Residency Questions:",[29,5336,5337,5340,5343],{},[32,5338,5339],{},"Your address doesn't affect eligibility.",[32,5341,5342],{},"Your base (taxing jurisdiction) determines eligibility.",[32,5344,5345],{},"If asked, explain that you are a pilot based in California paying CA SDI tax.",[24,5347,5349],{"id":5348},"phone-options","Phone Options",[15,5351,5352],{},"Same as California residents:",[29,5354,5355,5358,5361,5364],{},[32,5356,5357],{},"Call EDD at normal numbers",[32,5359,5360],{},"May have long hold times",[32,5362,5363],{},"No difference for out-of-state callers",[32,5365,5366],{},"Many claimants report that phone access is unreliable, so expect mail to be your primary communication channel",[19,5368,5370],{"id":5369},"common-out-of-state-verification-pattern","Common Out-of-State Verification Pattern",[15,5372,5373],{},"Many out-of-state pilots report a repeated identity\u002Fresidency verification cycle, even when documents were already submitted.",[15,5375,5376],{},[263,5377,5378],{},"Frequently requested documents include:",[29,5380,5381,5384,5387],{},[32,5382,5383],{},"Proof of residence (utility bill)",[32,5385,5386],{},"Proof of identity (driver's license or passport)",[32,5388,5389],{},"Proof of income (often W-2s or year-end pay records for the prior 2 years)",[376,5391,5393],{"title":5392,"type":425},"Short Mail Deadlines Are Common",[15,5394,5395],{},"Some request letters arrive with very little response time left. If your response arrives after the deadline and EDD issues a denial, respond to the denial packet immediately with the same proof set and a note documenting mail transit delays.",[19,5397,5399],{"id":5398},"special-considerations","Special Considerations",[24,5401,5403],{"id":5402},"doctor-requirements","Doctor Requirements",[15,5405,5406],{},"Your treating doctor does NOT need to be in California.",[15,5408,5409],{},[263,5410,5411],{},"Acceptable:",[29,5413,5414,5417,5420],{},[32,5415,5416],{},"Any licensed physician",[32,5418,5419],{},"License verified through state medical board",[32,5421,5422],{},"Out-of-state doctors are fine",[15,5424,5425],{},[263,5426,5427],{},"What EDD Verifies:",[29,5429,5430,5433,5436],{},[32,5431,5432],{},"Doctor has valid medical license",[32,5434,5435],{},"License is in good standing",[32,5437,5438],{},"Doctor is qualified to certify disability",[24,5440,5442],{"id":5441},"in-person-visits","In-Person Visits",[15,5444,5445],{},"If in-person visits are needed:",[15,5447,5448],{},[263,5449,5450],{},"Options:",[29,5452,5453,5456,5459],{},[32,5454,5455],{},"Plan around trips to California",[32,5457,5458],{},"Visit when you're in town for work",[32,5460,5461],{},"Use phone\u002Fonline when possible",[15,5463,5464],{},[263,5465,5466],{},"If You Must Go:",[29,5468,5469,5473,5476],{},[32,5470,641,5471],{},[35,5472,2017],{"href":214},[32,5474,5475],{},"Oakland and LAX-area offices are common for pilots",[32,5477,5478],{},"Combine with planned California travel if possible",[24,5480,5482],{"id":5481},"banking-and-payments","Banking and Payments",[15,5484,5485],{},[263,5486,3017],{},[29,5488,5489,5492,5495],{},[32,5490,5491],{},"Works to any US bank account",[32,5493,5494],{},"No California bank required",[32,5496,5497],{},"Set up during claim filing",[15,5499,5500],{},[263,5501,5502],{},"EDD Debit Card:",[29,5504,5505,5508,5511],{},[32,5506,5507],{},"Mailed to your address",[32,5509,5510],{},"Works nationwide",[32,5512,5513],{},"Can withdraw from any ATM",[19,5515,4757],{"id":4756},[24,5517,5519],{"id":5518},"sdi-benefits","SDI Benefits",[15,5521,5522],{},"SDI benefits are:",[29,5524,5525,5531,5537],{},[32,5526,5527,5530],{},[263,5528,5529],{},"Not taxable"," by California",[32,5532,5533,5536],{},[263,5534,5535],{},"Partially taxable"," by federal government in some cases",[32,5538,5539],{},"Subject to your home state's rules",[24,5541,5543],{"id":5542},"your-home-state","Your Home State",[15,5545,5546],{},"Check with your home state regarding:",[29,5548,5549,5552,5555],{},[32,5550,5551],{},"Whether they tax SDI benefits",[32,5553,5554],{},"Any credits for taxes paid to California",[32,5556,5557],{},"Reporting requirements",[376,5559,5561],{"title":5560,"type":425},"Tax Advice",[15,5562,5563],{},"This is general information, not tax advice. Consult a tax professional familiar with multi-state issues for your specific situation.",[19,5565,5567],{"id":5566},"common-issues-for-out-of-state-filers","Common Issues for Out-of-State Filers",[24,5569,5571],{"id":5570},"address-questions","Address Questions",[15,5573,5574],{},[263,5575,5576],{},"If EDD Questions Your Address:",[29,5578,5579,5582,5585],{},[32,5580,5581],{},"Explain you're a pilot based in California",[32,5583,5584],{},"Show California SDI tax withholding",[32,5586,5587],{},"Provide employer location confirmation",[24,5589,5591],{"id":5590},"phone-number-issues","Phone Number Issues",[15,5593,5594],{},[263,5595,5596],{},"If Your Phone Area Code Isn't California:",[29,5598,5599,5602,5605],{},[32,5600,5601],{},"Not a problem",[32,5603,5604],{},"EDD can call any US number",[32,5606,5607],{},"Ensure voicemail is set up for calls",[24,5609,5611],{"id":5610},"documentation","Documentation",[15,5613,5614],{},[263,5615,5616],{},"Keep These Accessible:",[29,5618,5619,5622,5625],{},[32,5620,5621],{},"Pay stubs showing CA SDI deduction",[32,5623,5624],{},"W-2 showing California employment",[32,5626,5627],{},"FedEx employment verification",[19,5629,5631],{"id":5630},"multi-state-considerations","Multi-State Considerations",[24,5633,5635],{"id":5634},"if-you-changed-bases","If You Changed Bases",[15,5637,5638],{},[263,5639,5640],{},"Recently Moved FROM California:",[29,5642,5643,5646,5649],{},[32,5644,5645],{},"You may still qualify based on base period earnings",[32,5647,5648],{},"Check when your CA taxed earnings occurred",[32,5650,5651],{},"File if you had CA SDI withheld during base period",[15,5653,5654],{},[263,5655,5656],{},"Recently Moved TO California:",[29,5658,5659,5662,5665],{},[32,5660,5661],{},"Need CA SDI withholding during base period",[32,5663,5664],{},"Previous state's disability program may apply",[32,5666,5667],{},"Check both states' rules",[24,5669,5671],{"id":5670},"working-multiple-states","Working Multiple States",[15,5673,5674],{},[263,5675,5676],{},"If You Flew from Multiple Bases:",[29,5678,5679,5682,5685],{},[32,5680,5681],{},"SDI eligibility based on primary base",[32,5683,5684],{},"Where taxes were withheld matters",[32,5686,5687],{},"Complex situations may need EDD clarification",[19,5689,5691],{"id":5690},"tips-for-out-of-state-pilots","Tips for Out-of-State Pilots",[24,5693,5695],{"id":5694},"be-proactive","Be Proactive",[441,5697,5698,5704,5710,5716],{},[32,5699,5700,5703],{},[263,5701,5702],{},"Verify coverage"," - Check pay stub for CA SDI deductions",[32,5705,5706,5709],{},[263,5707,5708],{},"Keep records"," - Save pay stubs showing CA taxes",[32,5711,5712,5715],{},[263,5713,5714],{},"Plan for visits"," - If in-person needed, combine with travel",[32,5717,5718,5721],{},[263,5719,5720],{},"Use online tools"," - Most processes work remotely",[24,5723,5725],{"id":5724},"communication","Communication",[29,5727,5728,5731,5734],{},[32,5729,5730],{},"Keep phone and email updated with EDD",[32,5732,5733],{},"Respond promptly to correspondence",[32,5735,5736],{},"Check mail regularly (EDD uses postal mail)",[24,5738,5740],{"id":5739},"emergency-contacts","Emergency Contacts",[15,5742,5743],{},"If you can't access mail:",[29,5745,5746,5749,5752],{},[32,5747,5748],{},"Set up mail forwarding",[32,5750,5751],{},"Authorize someone to receive mail",[32,5753,5754],{},"Check EDD portal for electronic notices",[19,5756,806],{"id":805},[29,5758,5759,5764,5769],{},[32,5760,5761,5763],{},[35,5762,813],{"href":112}," - How to file remotely",[32,5765,5766,5768],{},[35,5767,147],{"href":146}," - Monitor from anywhere",[32,5770,5771,5773],{},[35,5772,295],{"href":294}," - EDD phone numbers and resources",{"title":334,"searchDepth":335,"depth":335,"links":5775},[5776,5780,5785,5788,5789,5794,5798,5803,5807,5812],{"id":5183,"depth":335,"text":5184,"children":5777},[5778,5779],{"id":5187,"depth":340,"text":5188},{"id":5225,"depth":340,"text":5226},{"id":5235,"depth":335,"text":5236,"children":5781},[5782,5783,5784],{"id":5239,"depth":340,"text":5240},{"id":5283,"depth":340,"text":5284},{"id":5294,"depth":340,"text":5295},{"id":5309,"depth":335,"text":5310,"children":5786},[5787],{"id":5348,"depth":340,"text":5349},{"id":5369,"depth":335,"text":5370},{"id":5398,"depth":335,"text":5399,"children":5790},[5791,5792,5793],{"id":5402,"depth":340,"text":5403},{"id":5441,"depth":340,"text":5442},{"id":5481,"depth":340,"text":5482},{"id":4756,"depth":335,"text":4757,"children":5795},[5796,5797],{"id":5518,"depth":340,"text":5519},{"id":5542,"depth":340,"text":5543},{"id":5566,"depth":335,"text":5567,"children":5799},[5800,5801,5802],{"id":5570,"depth":340,"text":5571},{"id":5590,"depth":340,"text":5591},{"id":5610,"depth":340,"text":5611},{"id":5630,"depth":335,"text":5631,"children":5804},[5805,5806],{"id":5634,"depth":340,"text":5635},{"id":5670,"depth":340,"text":5671},{"id":5690,"depth":335,"text":5691,"children":5808},[5809,5810,5811],{"id":5694,"depth":340,"text":5695},{"id":5724,"depth":340,"text":5725},{"id":5739,"depth":340,"text":5740},{"id":805,"depth":335,"text":806},"CA SDI for pilots who live outside California","i-lucide-plane",{},{"title":5171,"description":5813},"guide\u002Fspecial\u002Fout-of-state","EoFzUHX0UmF7mp0j6R3E5cEic2P_Lv7H_wriMPMJMgY",{"id":5820,"title":813,"body":5821,"description":6443,"extension":350,"icon":6444,"lastUpdated":850,"meta":6445,"navigation":354,"order":335,"path":112,"seo":6446,"stem":6447,"__hash__":6448},"guide\u002Fguide\u002Ffiling\u002Ffiling-methods.md",{"type":8,"value":5822,"toc":6410},[5823,5827,5830,5834,5914,5918,5922,5933,5937,5951,5955,5991,5997,6001,6004,6015,6018,6032,6036,6056,6059,6062,6073,6076,6090,6094,6114,6125,6133,6139,6143,6146,6152,6155,6159,6162,6176,6179,6193,6197,6218,6224,6228,6273,6277,6281,6295,6299,6310,6314,6331,6335,6338,6358,6362,6365,6391,6393],[11,5824,5826],{"id":5825},"filing-methods-online-vs-mail-vs-in-person","Filing Methods: Online vs. Mail vs. In-Person",[15,5828,5829],{},"You have three options for filing your CA SDI claim. Each has advantages and disadvantages.",[19,5831,5833],{"id":5832},"quick-comparison","Quick Comparison",[490,5835,5836,5855],{},[493,5837,5838],{},[496,5839,5840,5843,5846,5849,5852],{},[499,5841,5842],{},"Method",[499,5844,5845],{},"Speed",[499,5847,5848],{},"Convenience",[499,5850,5851],{},"Requirements",[499,5853,5854],{},"Best For",[506,5856,5857,5878,5897],{},[496,5858,5859,5864,5867,5870,5875],{},[511,5860,5861],{},[263,5862,5863],{},"Online",[511,5865,5866],{},"Fastest",[511,5868,5869],{},"High",[511,5871,5872],{},[263,5873,5874],{},"CA Driver's License\u002FID",[511,5876,5877],{},"Most CA residents",[496,5879,5880,5884,5887,5890,5892],{},[511,5881,5882],{},[263,5883,1868],{},[511,5885,5886],{},"Slowest",[511,5888,5889],{},"Medium",[511,5891,2161],{},[511,5893,5894],{},[263,5895,5896],{},"Out-of-state residents",[496,5898,5899,5904,5906,5909,5911],{},[511,5900,5901],{},[263,5902,5903],{},"In-Person",[511,5905,5889],{},[511,5907,5908],{},"Low",[511,5910,2161],{},[511,5912,5913],{},"Complex situations",[19,5915,5917],{"id":5916},"online-filing","Online Filing",[24,5919,5921],{"id":5920},"pros","Pros",[29,5923,5924,5927,5930],{},[32,5925,5926],{},"✅ Fastest processing and confirmation.",[32,5928,5929],{},"✅ Available 24\u002F7.",[32,5931,5932],{},"✅ Easier to track status.",[24,5934,5936],{"id":5935},"cons","Cons",[29,5938,5939,5945,5948],{},[32,5940,4105,5941,5944],{},[263,5942,5943],{},"Requires a California Driver's License or ID card"," for registration.",[32,5946,5947],{},"❌ Out-of-state residents without a CA ID cannot file their initial claim online.",[32,5949,5950],{},"❌ Technical issues or \"waiting rooms\" are common on the EDD portal.",[24,5952,5954],{"id":5953},"how-to-file-online","How to File Online",[441,5956,5957,5966,5973,5978,5988],{},[32,5958,5959,5960,5965],{},"Go to ",[35,5961,5964],{"href":5962,"rel":5963},"https:\u002F\u002Fedd.ca.gov",[1955],"edd.ca.gov",".",[32,5967,5968,5969,5972],{},"Create a ",[263,5970,5971],{},"myEDD"," account (requires ID.me verification).",[32,5974,5975,5976,5965],{},"Log in and select ",[263,5977,5305],{},[32,5979,5980,5981,5250,5984,5987],{},"Register for SDI Online (requires ",[263,5982,5983],{},"CA DL\u002FID",[263,5985,5986],{},"EDDCAN",").",[32,5989,5990],{},"Complete the claim form and submit.",[376,5992,5994],{"title":5993,"type":425},"Out-of-State Restriction",[15,5995,5996],{},"If you live out-of-state and do not have a California ID, you must file by mail for your first claim. You will receive an EDD Customer Account Number (EDDCAN) in the mail, which you can use for future online access.",[19,5998,6000],{"id":5999},"mail-filing","Mail Filing",[24,6002,5921],{"id":6003},"pros-1",[29,6005,6006,6009,6012],{},[32,6007,6008],{},"✅ No California ID requirement.",[32,6010,6011],{},"✅ Better for non-residents or those with complex employment history.",[32,6013,6014],{},"✅ Physical paper trail of what you submitted.",[24,6016,5936],{"id":6017},"cons-1",[29,6019,6020,6026,6029],{},[32,6021,4105,6022,6025],{},[263,6023,6024],{},"Slowest method"," (requires 2-3 extra weeks for mail and scanning).",[32,6027,6028],{},"❌ No immediate confirmation of receipt.",[32,6030,6031],{},"❌ High risk of delays if forms are filled out incorrectly or get lost in the mail.",[24,6033,6035],{"id":6034},"what-youll-need","What You'll Need",[29,6037,6038,6041,6044,6047,6050,6053],{},[32,6039,6040],{},"Social Security Number",[32,6042,6043],{},"Driver's license or state ID number",[32,6045,6046],{},"Last employer information",[32,6048,6049],{},"Disability start date",[32,6051,6052],{},"Doctor's information (name, phone, address, license number)",[32,6054,6055],{},"Bank account for direct deposit (recommended)",[19,6057,6000],{"id":6058},"mail-filing-1",[24,6060,5921],{"id":6061},"pros-2",[29,6063,6064,6067,6070],{},[32,6065,6066],{},"✅ Physical documentation",[32,6068,6069],{},"✅ Familiar process for some",[32,6071,6072],{},"✅ Can include extra documentation",[24,6074,5936],{"id":6075},"cons-2",[29,6077,6078,6081,6084,6087],{},[32,6079,6080],{},"❌ Slowest method (add 1-2 weeks for mail time)",[32,6082,6083],{},"❌ No immediate confirmation",[32,6085,6086],{},"❌ Risk of mail delays or loss",[32,6088,6089],{},"❌ Harder to track status",[24,6091,6093],{"id":6092},"how-to-file-by-mail","How to File by Mail",[441,6095,6096,6099,6102,6105,6108,6111],{},[32,6097,6098],{},"Obtain Form DE 2501 (available online or at EDD office)",[32,6100,6101],{},"Complete all sections carefully",[32,6103,6104],{},"Have your doctor complete the medical certification",[32,6106,6107],{},"Make copies of everything",[32,6109,6110],{},"Mail to the address on the form",[32,6112,6113],{},"Use certified mail with return receipt (recommended)",[376,6115,6117],{"title":6116,"type":2303},"Order DE 2501 Early",[15,6118,6119,6120,5965],{},"Out-of-state claimants should consider ordering DE 2501 forms in advance. Delivery can take several weeks. Use the ",[35,6121,6124],{"href":6122,"rel":6123},"https:\u002F\u002Fforms.edd.ca.gov\u002FForms\u002FCart\u002F",[1955],"EDD Forms Cart",[15,6126,6127,6128,5965],{},"Before mailing, cross-check every applicable checkbox\u002Ffield against EDD's sample form: ",[35,6129,6132],{"href":6130,"rel":6131},"https:\u002F\u002Fedd.ca.gov\u002Fsiteassets\u002Ffiles\u002Fpdf_pub_ctr\u002Fde2501.pdf",[1955],"DE 2501 sample PDF",[376,6134,6136],{"title":6135,"type":425},"Mail Delays",[15,6137,6138],{},"Mail filing typically adds 2+ weeks to your timeline. If you're close to the 49-day deadline, consider online or in-person instead.",[24,6140,6142],{"id":6141},"mailing-address","Mailing Address",[15,6144,6145],{},"The address is on the form, but typically:",[413,6147,6150],{"className":6148,"code":6149,"language":418},[416],"State of California\nEmployment Development Department\nP.O. Box 989\nSan Diego, CA 92112\n",[420,6151,6149],{"__ignoreMap":334},[15,6153,6154],{},"Verify the current address on the form or EDD website.",[19,6156,6158],{"id":6157},"in-person-filing","In-Person Filing",[24,6160,5921],{"id":6161},"pros-3",[29,6163,6164,6167,6170,6173],{},[32,6165,6166],{},"✅ Immediate human assistance",[32,6168,6169],{},"✅ Can resolve complex questions on the spot",[32,6171,6172],{},"✅ Confirmation of receipt",[32,6174,6175],{},"✅ Can explain pilot pay structure directly",[24,6177,5936],{"id":6178},"cons-3",[29,6180,6181,6184,6187,6190],{},[32,6182,6183],{},"❌ Very long wait times (4-6+ hours)",[32,6185,6186],{},"❌ Limited office hours",[32,6188,6189],{},"❌ Must travel to an office",[32,6191,6192],{},"❌ May still need follow-up",[24,6194,6196],{"id":6195},"how-to-file-in-person","How to File In-Person",[441,6198,6199,6204,6207,6210,6213,6215],{},[32,6200,6201,6202,1365],{},"Find your nearest EDD office (see ",[35,6203,295],{"href":294},[32,6205,6206],{},"Arrive EARLY (before doors open—see below)",[32,6208,6209],{},"Bring all required documents",[32,6211,6212],{},"Get a ticket\u002Fnumber when doors open",[32,6214,1695],{},[32,6216,6217],{},"Work with a representative to file",[376,6219,6221],{"title":6220,"type":379},"Arrive Early!",[15,6222,6223],{},"EDD offices use a ticket system. If you arrive late, you may not get a ticket and will have to return another day. Arrive at least 30-60 minutes before the office opens.",[24,6225,6227],{"id":6226},"what-to-bring-in-person","What to Bring In-Person",[29,6229,6231,6237,6243,6249,6255,6261,6267],{"className":6230},[688],[32,6232,6234,6236],{"className":6233},[692],[694,6235],{"disabled":354,"type":696}," Government-issued photo ID",[32,6238,6240,6242],{"className":6239},[692],[694,6241],{"disabled":354,"type":696}," Social Security card (or number memorized)",[32,6244,6246,6248],{"className":6245},[692],[694,6247],{"disabled":354,"type":696}," Last 3-4 pay stubs",[32,6250,6252,6254],{"className":6251},[692],[694,6253],{"disabled":354,"type":696}," W-2 from most recent year",[32,6256,6258,6260],{"className":6257},[692],[694,6259],{"disabled":354,"type":696}," Doctor's information (printed)",[32,6262,6264,6266],{"className":6263},[692],[694,6265],{"disabled":354,"type":696}," Summary of your pay structure (helpful for explaining)",[32,6268,6270,6272],{"className":6269},[692],[694,6271],{"disabled":354,"type":696}," Something to do while waiting (4-6 hours)",[19,6274,6276],{"id":6275},"which-method-should-you-choose","Which Method Should You Choose?",[24,6278,6280],{"id":6279},"choose-online-if","Choose Online If:",[29,6282,6283,6286,6289,6292],{},[32,6284,6285],{},"You're comfortable with websites",[32,6287,6288],{},"You have all information ready",[32,6290,6291],{},"You want the fastest processing",[32,6293,6294],{},"You can navigate the form questions",[24,6296,6298],{"id":6297},"choose-mail-if","Choose Mail If:",[29,6300,6301,6304,6307],{},[32,6302,6303],{},"You're not comfortable online",[32,6305,6306],{},"You have plenty of time (nowhere near 49-day deadline)",[32,6308,6309],{},"You want to include detailed explanatory documents",[24,6311,6313],{"id":6312},"choose-in-person-if","Choose In-Person If:",[29,6315,6316,6319,6322,6325,6328],{},[32,6317,6318],{},"Your situation is complex",[32,6320,6321],{},"You've been denied or had issues before",[32,6323,6324],{},"You need to explain pilot pay structure",[32,6326,6327],{},"You have time to spend at the office",[32,6329,6330],{},"Online filing isn't working for you",[19,6332,6334],{"id":6333},"hybrid-approach","Hybrid Approach",[15,6336,6337],{},"Many pilots use a hybrid approach:",[441,6339,6340,6346,6352],{},[32,6341,6342,6345],{},[263,6343,6344],{},"Start online"," to initiate the claim",[32,6347,6348,6351],{},[263,6349,6350],{},"If issues arise",", go in-person to resolve",[32,6353,6354,6357],{},[263,6355,6356],{},"Follow up by phone"," for status updates",[19,6359,6361],{"id":6360},"after-filing","After Filing",[15,6363,6364],{},"Regardless of method:",[441,6366,6367,6373,6379,6385],{},[32,6368,6369,6372],{},[263,6370,6371],{},"Save confirmation:"," Number, date, any documents received",[32,6374,6375,6378],{},[263,6376,6377],{},"Follow up:"," Check status online or by phone after 2 weeks",[32,6380,6381,6384],{},[263,6382,6383],{},"Respond promptly:"," To any requests for additional information",[32,6386,6387,6390],{},[263,6388,6389],{},"Document everything:"," Keep copies of all correspondence",[19,6392,806],{"id":805},[29,6394,6395,6400,6405],{},[32,6396,6397,6399],{},[35,6398,120],{"href":119}," - Detailed instructions",[32,6401,6402,6404],{},[35,6403,127],{"href":126}," - What you'll need",[32,6406,6407,6409],{},[35,6408,295],{"href":294}," - EDD office locations",{"title":334,"searchDepth":335,"depth":335,"links":6411},[6412,6413,6418,6423,6429,6435,6440,6441,6442],{"id":5832,"depth":335,"text":5833},{"id":5916,"depth":335,"text":5917,"children":6414},[6415,6416,6417],{"id":5920,"depth":340,"text":5921},{"id":5935,"depth":340,"text":5936},{"id":5953,"depth":340,"text":5954},{"id":5999,"depth":335,"text":6000,"children":6419},[6420,6421,6422],{"id":6003,"depth":340,"text":5921},{"id":6017,"depth":340,"text":5936},{"id":6034,"depth":340,"text":6035},{"id":6058,"depth":335,"text":6000,"children":6424},[6425,6426,6427,6428],{"id":6061,"depth":340,"text":5921},{"id":6075,"depth":340,"text":5936},{"id":6092,"depth":340,"text":6093},{"id":6141,"depth":340,"text":6142},{"id":6157,"depth":335,"text":6158,"children":6430},[6431,6432,6433,6434],{"id":6161,"depth":340,"text":5921},{"id":6178,"depth":340,"text":5936},{"id":6195,"depth":340,"text":6196},{"id":6226,"depth":340,"text":6227},{"id":6275,"depth":335,"text":6276,"children":6436},[6437,6438,6439],{"id":6279,"depth":340,"text":6280},{"id":6297,"depth":340,"text":6298},{"id":6312,"depth":340,"text":6313},{"id":6333,"depth":335,"text":6334},{"id":6360,"depth":335,"text":6361},{"id":805,"depth":335,"text":806},"Choosing between online, mail, and in-person SDI filing","i-lucide-send",{},{"title":813,"description":6443},"guide\u002Ffiling\u002Ffiling-methods","zcEkBq3pWdKuhkZ4QqZYm8RpAYjDk_bumF1s97v8J-w",{"id":6450,"title":6451,"body":6452,"description":7252,"extension":350,"icon":7253,"lastUpdated":850,"meta":7254,"navigation":354,"order":335,"path":1374,"seo":7255,"stem":7256,"__hash__":7257},"guide\u002Fguide\u002Fhartford\u002Fcalculation.md","LTD Benefit Calculation",{"type":8,"value":6453,"toc":7212},[6454,6457,6460,6464,6467,6487,6491,6495,6502,6507,6514,6518,6521,6525,6531,6535,6540,6556,6561,6575,6581,6585,6589,6596,6602,6606,6612,6616,6622,6628,6632,6638,6642,6645,6656,6662,6666,6670,6673,6678,6726,6730,6735,6768,6773,6805,6809,6815,6823,6828,6834,6839,6845,6849,6853,6858,6869,6873,6879,6885,6889,6893,6903,6907,6913,6917,6921,6924,6958,6962,6965,6991,6995,6998,7024,7028,7032,7035,7046,7050,7053,7067,7071,7075,7088,7092,7095,7109,7113,7117,7120,7136,7140,7145,7159,7164,7175,7177,7206],[11,6455,6451],{"id":6456},"ltd-benefit-calculation",[15,6458,6459],{},"Understanding how your Long-Term Disability benefit is calculated helps you plan financially and verify that you're receiving the correct amount.",[19,6461,6463],{"id":6462},"overview-cba-section-27j2-27j6-27j7","Overview (CBA Section 27.J.2, 27.J.6, 27.J.7)",[15,6465,6466],{},"Your LTD benefit is based on:",[441,6468,6469,6475,6481],{},[32,6470,6471,6474],{},[263,6472,6473],{},"Your monthly earnings"," (special calculation method)",[32,6476,6477,6480],{},[263,6478,6479],{},"Benefit percentage"," (varies by time on LTD)",[32,6482,6483,6486],{},[263,6484,6485],{},"IRS 401(a)(17) cap"," (maximum benefit limit)",[19,6488,6490],{"id":6489},"monthly-earnings-definition","Monthly Earnings Definition",[24,6492,6494],{"id":6493},"the-best-12-of-36-rule-cba-27j6","The \"Best 12 of 36\" Rule (CBA 27.J.6)",[15,6496,6497,6498,6501],{},"Your ",[263,6499,6500],{},"monthly earnings"," are calculated as:",[4078,6503,6504],{},[15,6505,6506],{},"\"The 12 highest consecutive months out of the 36 consecutive months preceding the disability period\"",[15,6508,6509,6510,6513],{},"This is ",[263,6511,6512],{},"more favorable"," than simply using your last month's pay or a 12-month average.",[24,6515,6517],{"id":6516},"why-this-matters","Why This Matters",[15,6519,6520],{},"If you had a particularly good 12-month stretch within the last 3 years, that's what counts for your LTD calculation.",[15,6522,6523],{},[263,6524,927],{},[413,6526,6529],{"className":6527,"code":6528,"language":418},[416],"Last 36 months included:\n- Months 1-12:   Average $15,000\u002Fmonth (peak flying schedule)\n- Months 13-24:  Average $13,500\u002Fmonth (training, less flying)\n- Months 25-36:  Average $14,000\u002Fmonth (moderate schedule)\n\nYour monthly earnings = $15,000 (best 12 consecutive months)\nNOT $14,166 (average of all 36 months)\n",[420,6530,6528],{"__ignoreMap":334},[24,6532,6534],{"id":6533},"whats-included-in-monthly-earnings","What's Included in \"Monthly Earnings\"",[15,6536,6537],{},[263,6538,6539],{},"Basic monthly compensation includes:",[29,6541,6542,6545,6548,6550,6553],{},[32,6543,6544],{},"Base pay",[32,6546,6547],{},"Flight pay",[32,6549,3269],{},[32,6551,6552],{},"Premium pay",[32,6554,6555],{},"Per diem",[15,6557,6558],{},[263,6559,6560],{},"Typically EXCLUDES:",[29,6562,6563,6566,6569,6572],{},[32,6564,6565],{},"Vacation pay (unless part of regular pay structure)",[32,6567,6568],{},"One-time bonuses",[32,6570,6571],{},"Reimbursements",[32,6573,6574],{},"Non-regular compensation",[376,6576,6578],{"title":6577,"type":574},"Verify Your Calculation",[15,6579,6580],{},"Request a detailed calculation from your LTD administrator showing which 12 months they used.",[19,6582,6584],{"id":6583},"benefit-percentages","Benefit Percentages",[24,6586,6588],{"id":6587},"first-24-months-60-cba-27j2","First 24 Months: 60% (CBA 27.J.2)",[15,6590,6591,6592,6595],{},"For your ",[263,6593,6594],{},"first 24 months"," on LTD:",[413,6597,6600],{"className":6598,"code":6599,"language":418},[416],"Monthly Benefit = Monthly Earnings × 60%\n",[420,6601,6599],{"__ignoreMap":334},[15,6603,6604],{},[263,6605,927],{},[413,6607,6610],{"className":6608,"code":6609,"language":418},[416],"Monthly earnings: $15,000\nBenefit: $15,000 × 60% = $9,000\u002Fmonth (before offsets)\n",[420,6611,6609],{"__ignoreMap":334},[24,6613,6615],{"id":6614},"after-24-months-50-cba-27j2","After 24 Months: 50% (CBA 27.J.2)",[15,6617,6618,6619,6595],{},"After ",[263,6620,6621],{},"24 months",[413,6623,6626],{"className":6624,"code":6625,"language":418},[416],"Monthly Benefit = Monthly Earnings × 50%\n",[420,6627,6625],{"__ignoreMap":334},[15,6629,6630],{},[263,6631,927],{},[413,6633,6636],{"className":6634,"code":6635,"language":418},[416],"Monthly earnings: $15,000\nBenefit: $15,000 × 50% = $7,500\u002Fmonth (before offsets)\n",[420,6637,6635],{"__ignoreMap":334},[24,6639,6641],{"id":6640},"why-the-reduction","Why the Reduction?",[15,6643,6644],{},"The reduction from 60% to 50% after 24 months:",[29,6646,6647,6650,6653],{},[32,6648,6649],{},"Encourages return to work when possible",[32,6651,6652],{},"Reflects standard industry practice",[32,6654,6655],{},"Is specified in the CBA",[376,6657,6659],{"title":6658,"type":425},"Plan for the Reduction",[15,6660,6661],{},"If your disability extends beyond 24 months, expect a 16.7% reduction in your gross LTD benefit at the 24-month mark.",[19,6663,6665],{"id":6664},"irs-401a17-cap","IRS 401(a)(17) Cap",[24,6667,6669],{"id":6668},"maximum-benefit-limits-cba-27j7","Maximum Benefit Limits (CBA 27.J.7)",[15,6671,6672],{},"The IRS imposes an annual compensation limit on qualified plans. This caps your maximum LTD benefit.",[15,6674,6675],{},[263,6676,6677],{},"IRS 401(a)(17) Limits:",[490,6679,6680,6693],{},[493,6681,6682],{},[496,6683,6684,6687,6690],{},[499,6685,6686],{},"Year",[499,6688,6689],{},"Annual Limit",[499,6691,6692],{},"Monthly Limit",[506,6694,6695,6706,6717],{},[496,6696,6697,6700,6703],{},[511,6698,6699],{},"2024",[511,6701,6702],{},"$345,000",[511,6704,6705],{},"$28,750",[496,6707,6708,6711,6714],{},[511,6709,6710],{},"2025",[511,6712,6713],{},"$350,000",[511,6715,6716],{},"$29,167",[496,6718,6719,6722,6724],{},[511,6720,6721],{},"2026",[511,6723,6713],{},[511,6725,6716],{},[24,6727,6729],{"id":6728},"maximum-monthly-benefits","Maximum Monthly Benefits",[15,6731,6732],{},[263,6733,6734],{},"Months 1-24 (60% of cap):",[490,6736,6737,6746],{},[493,6738,6739],{},[496,6740,6741,6743],{},[499,6742,6686],{},[499,6744,6745],{},"Maximum Benefit",[506,6747,6748,6755,6762],{},[496,6749,6750,6752],{},[511,6751,6699],{},[511,6753,6754],{},"$17,250\u002Fmonth",[496,6756,6757,6759],{},[511,6758,6710],{},[511,6760,6761],{},"$17,500\u002Fmonth",[496,6763,6764,6766],{},[511,6765,6721],{},[511,6767,6761],{},[15,6769,6770],{},[263,6771,6772],{},"Months 25+ (50% of cap):",[490,6774,6775,6783],{},[493,6776,6777],{},[496,6778,6779,6781],{},[499,6780,6686],{},[499,6782,6745],{},[506,6784,6785,6792,6799],{},[496,6786,6787,6789],{},[511,6788,6699],{},[511,6790,6791],{},"$14,375\u002Fmonth",[496,6793,6794,6796],{},[511,6795,6710],{},[511,6797,6798],{},"$14,583\u002Fmonth",[496,6800,6801,6803],{},[511,6802,6721],{},[511,6804,6798],{},[24,6806,6808],{"id":6807},"how-the-cap-works","How the Cap Works",[15,6810,6811,6812,892],{},"Your benefit is the ",[263,6813,6814],{},"lesser of",[441,6816,6817,6820],{},[32,6818,6819],{},"Your calculated benefit (monthly earnings × percentage)",[32,6821,6822],{},"The IRS 401(a)(17) cap",[15,6824,6825],{},[263,6826,6827],{},"Example 1: Below the cap",[413,6829,6832],{"className":6830,"code":6831,"language":418},[416],"Monthly earnings: $15,000\nPercentage: 60% (first 24 months)\nCalculated: $15,000 × 60% = $9,000\nCap: $17,500\nActual benefit: $9,000 (lower amount)\n",[420,6833,6831],{"__ignoreMap":334},[15,6835,6836],{},[263,6837,6838],{},"Example 2: Above the cap",[413,6840,6843],{"className":6841,"code":6842,"language":418},[416],"Monthly earnings: $32,000\nPercentage: 60% (first 24 months)\nCalculated: $32,000 × 60% = $19,200\nCap: $17,500\nActual benefit: $17,500 (capped)\n",[420,6844,6842],{"__ignoreMap":334},[19,6846,6848],{"id":6847},"complete-calculation-example","Complete Calculation Example",[24,6850,6852],{"id":6851},"high-earning-captain","High-Earning Captain",[15,6854,6855],{},[263,6856,6857],{},"Background:",[29,6859,6860,6863,6866],{},[32,6861,6862],{},"Best 12 consecutive months: Average $28,000\u002Fmonth",[32,6864,6865],{},"Currently in month 10 of disability",[32,6867,6868],{},"2026 benefit year",[15,6870,6871],{},[263,6872,4921],{},[413,6874,6877],{"className":6875,"code":6876,"language":418},[416],"Step 1: Monthly earnings = $28,000 (best 12 of 36)\n\nStep 2: Apply percentage\n        Month 10 = within first 24 months = 60%\n        $28,000 × 60% = $16,800\n\nStep 3: Check cap\n        2026 cap (months 1-24) = $17,500\n        $16,800 \u003C $17,500 ✓ Not capped\n\nGross monthly benefit: $16,800\n",[420,6878,6876],{"__ignoreMap":334},[15,6880,6881,6884],{},[263,6882,6883],{},"Note:"," This is BEFORE offsets (CA SDI, SSDI, outside income).",[24,6886,6888],{"id":6887},"first-officer-example","First Officer Example",[15,6890,6891],{},[263,6892,6857],{},[29,6894,6895,6898,6901],{},[32,6896,6897],{},"Best 12 consecutive months: Average $12,000\u002Fmonth",[32,6899,6900],{},"Currently in month 30 of disability",[32,6902,6868],{},[15,6904,6905],{},[263,6906,4921],{},[413,6908,6911],{"className":6909,"code":6910,"language":418},[416],"Step 1: Monthly earnings = $12,000\n\nStep 2: Apply percentage\n        Month 30 = after 24 months = 50%\n        $12,000 × 50% = $6,000\n\nStep 3: Check cap\n        2026 cap (months 25+) = $14,583\n        $6,000 \u003C $14,583 ✓ Not capped\n\nGross monthly benefit: $6,000\n",[420,6912,6910],{"__ignoreMap":334},[19,6914,6916],{"id":6915},"verifying-your-benefit","Verifying Your Benefit",[24,6918,6920],{"id":6919},"request-detailed-calculation","Request Detailed Calculation",[15,6922,6923],{},"When you receive your first LTD payment, request:",[441,6925,6926,6932,6952],{},[32,6927,6928,6931],{},[263,6929,6930],{},"Which 12 months"," were used for your monthly earnings",[32,6933,6934,6937,6938],{},[263,6935,6936],{},"Calculation breakdown"," showing:\n",[29,6939,6940,6943,6946,6949],{},[32,6941,6942],{},"Monthly earnings amount",[32,6944,6945],{},"Percentage applied",[32,6947,6948],{},"Any cap applied",[32,6950,6951],{},"All offsets applied",[32,6953,6954,6957],{},[263,6955,6956],{},"Supporting documentation"," from payroll records",[24,6959,6961],{"id":6960},"common-errors","Common Errors",[15,6963,6964],{},"Watch for:",[29,6966,6967,6973,6979,6985],{},[32,6968,6969,6972],{},[263,6970,6971],{},"Wrong months used"," - Verify they used your best 12 consecutive",[32,6974,6975,6978],{},[263,6976,6977],{},"Incorrect percentage"," - 60% vs 50% based on time on LTD",[32,6980,6981,6984],{},[263,6982,6983],{},"Wrong cap applied"," - Verify correct year and timeframe",[32,6986,6987,6990],{},[263,6988,6989],{},"Missing earnings components"," - Ensure all eligible pay included",[24,6992,6994],{"id":6993},"how-to-challenge","How to Challenge",[15,6996,6997],{},"If you believe the calculation is wrong:",[441,6999,7000,7006,7012,7018],{},[32,7001,7002,7005],{},[263,7003,7004],{},"Document your concern"," in writing",[32,7007,7008,7011],{},[263,7009,7010],{},"Show your calculation"," with supporting pay stubs",[32,7013,7014,7017],{},[263,7015,7016],{},"Request recalculation"," from administrator",[32,7019,7020,7023],{},[263,7021,7022],{},"Escalate if needed"," through PBRB process",[19,7025,7027],{"id":7026},"impact-of-returning-to-work","Impact of Returning to Work",[24,7029,7031],{"id":7030},"trial-work-period","Trial Work Period",[15,7033,7034],{},"If you return to work temporarily:",[29,7036,7037,7040,7043],{},[32,7038,7039],{},"Your monthly earnings calculation may be reevaluated",[32,7041,7042],{},"Your benefit percentage continues based on total time on LTD",[32,7044,7045],{},"Coordinate with administrator before returning",[24,7047,7049],{"id":7048},"partial-return","Partial Return",[15,7051,7052],{},"If you return part-time:",[29,7054,7055,7058,7061],{},[32,7056,7057],{},"You may receive partial LTD",[32,7059,7060],{},"Earnings from part-time work may affect your benefit",[32,7062,641,7063],{},[35,7064,7066],{"href":7065},"\u002Fguide\u002Fhartford\u002Foffsets#outside-income","Outside Income rules",[19,7068,7070],{"id":7069},"adjustments-over-time","Adjustments Over Time",[24,7072,7074],{"id":7073},"annual-updates","Annual Updates",[29,7076,7077,7082,7085],{},[32,7078,7079,7081],{},[263,7080,6485],{}," may increase annually with IRS updates",[32,7083,7084],{},"Your benefit may increase if cap increases",[32,7086,7087],{},"Administrator should notify you of any changes",[24,7089,7091],{"id":7090},"recalculation-triggers","Recalculation Triggers",[15,7093,7094],{},"Your benefit may be recalculated if:",[29,7096,7097,7100,7103,7106],{},[32,7098,7099],{},"You return to work and then go back on disability",[32,7101,7102],{},"There's a correction to your earnings history",[32,7104,7105],{},"Cap changes significantly",[32,7107,7108],{},"CBA amendments change calculation method",[19,7110,7112],{"id":7111},"tools-and-resources","Tools and Resources",[24,7114,7116],{"id":7115},"calculation-helper","Calculation Helper",[15,7118,7119],{},"Use the calculator on this site to estimate your benefit:",[29,7121,7122,7127,7130,7133],{},[32,7123,7124],{},[35,7125,7126],{"href":267},"LTD Calculator",[32,7128,7129],{},"Enter your pay history",[32,7131,7132],{},"See estimated benefit amounts",[32,7134,7135],{},"Compare scenarios",[24,7137,7139],{"id":7138},"getting-your-pay-history","Getting Your Pay History",[15,7141,7142],{},[263,7143,7144],{},"From Workday:",[441,7146,7147,7150,7153,7156],{},[32,7148,7149],{},"Log in to FedEx Workday",[32,7151,7152],{},"Navigate to Pay → Payslips",[32,7154,7155],{},"Download last 36 months of pay stubs",[32,7157,7158],{},"Calculate your best 12 consecutive months",[15,7160,7161],{},[263,7162,7163],{},"From Benefits Administrator:",[29,7165,7166,7169,7172],{},[32,7167,7168],{},"Request the earnings history they have on file",[32,7170,7171],{},"Verify it matches your records",[32,7173,7174],{},"Correct any discrepancies before claim approval",[19,7176,806],{"id":805},[29,7178,7179,7188,7194,7200],{},[32,7180,7181,7184,7185],{},[263,7182,7183],{},"Understand offsets"," - ",[35,7186,7187],{"href":1384},"How offsets reduce your benefit",[32,7189,7190,7193],{},[263,7191,7192],{},"Plan for reduction"," - Prepare for 50% rate after 24 months",[32,7195,7196,7199],{},[263,7197,7198],{},"Track your time"," - Know when you'll hit the 24-month mark",[32,7201,7202,7205],{},[263,7203,7204],{},"Verify calculation"," - Review your first benefit statement carefully",[376,7207,7209],{"title":7208,"type":574},"Questions About Your Calculation?",[15,7210,7211],{},"Contact the LTD administrator for a detailed benefit calculation. Reference CBA Section 27.J.2, 27.J.6, and 27.J.7 if questions arise.",{"title":334,"searchDepth":335,"depth":335,"links":7213},[7214,7215,7220,7225,7230,7234,7239,7243,7247,7251],{"id":6462,"depth":335,"text":6463},{"id":6489,"depth":335,"text":6490,"children":7216},[7217,7218,7219],{"id":6493,"depth":340,"text":6494},{"id":6516,"depth":340,"text":6517},{"id":6533,"depth":340,"text":6534},{"id":6583,"depth":335,"text":6584,"children":7221},[7222,7223,7224],{"id":6587,"depth":340,"text":6588},{"id":6614,"depth":340,"text":6615},{"id":6640,"depth":340,"text":6641},{"id":6664,"depth":335,"text":6665,"children":7226},[7227,7228,7229],{"id":6668,"depth":340,"text":6669},{"id":6728,"depth":340,"text":6729},{"id":6807,"depth":340,"text":6808},{"id":6847,"depth":335,"text":6848,"children":7231},[7232,7233],{"id":6851,"depth":340,"text":6852},{"id":6887,"depth":340,"text":6888},{"id":6915,"depth":335,"text":6916,"children":7235},[7236,7237,7238],{"id":6919,"depth":340,"text":6920},{"id":6960,"depth":340,"text":6961},{"id":6993,"depth":340,"text":6994},{"id":7026,"depth":335,"text":7027,"children":7240},[7241,7242],{"id":7030,"depth":340,"text":7031},{"id":7048,"depth":340,"text":7049},{"id":7069,"depth":335,"text":7070,"children":7244},[7245,7246],{"id":7073,"depth":340,"text":7074},{"id":7090,"depth":340,"text":7091},{"id":7111,"depth":335,"text":7112,"children":7248},[7249,7250],{"id":7115,"depth":340,"text":7116},{"id":7138,"depth":340,"text":7139},{"id":805,"depth":335,"text":806},"How LTD benefits are calculated under the FedEx\u002FALPA CBA","i-lucide-calculator",{},{"title":6451,"description":7252},"guide\u002Fhartford\u002Fcalculation","kuScDXcS7qCZau7WmsVO1Iwmh4UBzaReh24wK3P5BL4",{"id":7259,"title":2017,"body":7260,"description":7850,"extension":350,"icon":7851,"lastUpdated":850,"meta":7852,"navigation":354,"order":335,"path":214,"seo":7853,"stem":7854,"__hash__":7855},"guide\u002Fguide\u002Fin-person\u002Fwhich-office.md",{"type":8,"value":7261,"toc":7815},[7262,7266,7269,7273,7277,7280,7299,7303,7309,7313,7317,7322,7336,7341,7355,7360,7365,7370,7375,7379,7384,7395,7401,7405,7409,7412,7423,7427,7432,7443,7448,7459,7463,7474,7478,7489,7493,7497,7500,7505,7529,7535,7539,7585,7589,7593,7596,7607,7611,7614,7625,7628,7632,7636,7639,7650,7655,7666,7671,7682,7686,7690,7716,7720,7734,7738,7742,7745,7797,7799],[11,7263,7265],{"id":7264},"which-edd-office-to-visit","Which EDD Office to Visit",[15,7267,7268],{},"California has multiple EDD offices. Here's how to find the right one.",[19,7270,7272],{"id":7271},"finding-your-local-office","Finding Your Local Office",[24,7274,7276],{"id":7275},"edd-office-locator","EDD Office Locator",[15,7278,7279],{},"Use the official EDD office locator:",[441,7281,7282,7290,7293,7296],{},[32,7283,7284,7285],{},"Visit ",[35,7286,7289],{"href":7287,"rel":7288},"https:\u002F\u002Fedd.ca.gov\u002FOffice_Locator",[1955],"edd.ca.gov\u002FOffice_Locator",[32,7291,7292],{},"Enter your zip code or city",[32,7294,7295],{},"Find offices near you",[32,7297,7298],{},"Note services offered at each",[24,7300,7302],{"id":7301},"not-all-offices-handle-sdi","Not All Offices Handle SDI",[376,7304,7306],{"title":7305,"type":425},"Important",[15,7307,7308],{},"Not all EDD offices handle Disability Insurance claims. Verify that SDI\u002FDI services are available before visiting.",[19,7310,7312],{"id":7311},"key-sdi-offices","Key SDI Offices",[24,7314,7316],{"id":7315},"major-california-cities","Major California Cities",[15,7318,7319],{},[263,7320,7321],{},"Los Angeles Area:",[29,7323,7324,7327,7330,7333],{},[32,7325,7326],{},"Los Angeles (Downtown)",[32,7328,7329],{},"Pasadena",[32,7331,7332],{},"Inglewood",[32,7334,7335],{},"Van Nuys",[15,7337,7338],{},[263,7339,7340],{},"San Francisco Bay Area:",[29,7342,7343,7346,7349,7352],{},[32,7344,7345],{},"Oakland",[32,7347,7348],{},"San Francisco",[32,7350,7351],{},"San Jose",[32,7353,7354],{},"Fremont",[15,7356,7357],{},[263,7358,7359],{},"San Diego Area:",[29,7361,7362],{},[32,7363,7364],{},"San Diego (Main)",[15,7366,7367],{},[263,7368,7369],{},"Sacramento Area:",[29,7371,7372],{},[32,7373,7374],{},"Sacramento (Main)",[24,7376,7378],{"id":7377},"office-for-fedex-pilots","Office for FedEx Pilots",[15,7380,7381],{},[263,7382,7383],{},"Most Common:",[29,7385,7386,7389,7392],{},[32,7387,7388],{},"Office nearest your home address",[32,7390,7391],{},"Office nearest your pilot base (if different)",[32,7393,7394],{},"Oakland and Los Angeles handle high volume",[15,7396,7397,7398,7400],{},"Verify specific office addresses and hours on the ",[35,7399,295],{"href":294}," page or EDD website.",[19,7402,7404],{"id":7403},"what-to-check-before-going","What to Check Before Going",[24,7406,7408],{"id":7407},"_1-services-offered","1. Services Offered",[15,7410,7411],{},"Confirm the office handles:",[29,7413,7414,7417,7420],{},[32,7415,7416],{},"Disability Insurance (DI\u002FSDI)",[32,7418,7419],{},"New claims AND existing claims",[32,7421,7422],{},"Document submission",[24,7424,7426],{"id":7425},"_2-hours-of-operation","2. Hours of Operation",[15,7428,7429],{},[263,7430,7431],{},"Typical hours:",[29,7433,7434,7437,7440],{},[32,7435,7436],{},"Monday-Friday, 8:00 AM - 5:00 PM",[32,7438,7439],{},"Some offices may have different schedules",[32,7441,7442],{},"Closed on state holidays",[15,7444,7445],{},[263,7446,7447],{},"Best time to arrive:",[29,7449,7450,7453,7456],{},[32,7451,7452],{},"30-60 minutes before opening",[32,7454,7455],{},"Tickets issued first-come, first-served",[32,7457,7458],{},"Afternoons often have fewer tickets remaining",[24,7460,7462],{"id":7461},"_3-current-wait-times","3. Current Wait Times",[29,7464,7465,7468,7471],{},[32,7466,7467],{},"Call ahead if possible",[32,7469,7470],{},"Check online reviews for recent experiences",[32,7472,7473],{},"Be prepared for 4-6+ hour waits regardless",[24,7475,7477],{"id":7476},"_4-parking","4. Parking",[29,7479,7480,7483,7486],{},[32,7481,7482],{},"Many offices have limited parking",[32,7484,7485],{},"Consider public transportation",[32,7487,7488],{},"Arrive early for parking too",[19,7490,7492],{"id":7491},"remoteout-of-state-considerations","Remote\u002FOut-of-State Considerations",[24,7494,7496],{"id":7495},"if-you-live-outside-california","If You Live Outside California",[15,7498,7499],{},"Many FedEx pilots don't live in California but are based there.",[15,7501,7502],{},[263,7503,7504],{},"Your options:",[441,7506,7507,7513,7518,7523],{},[32,7508,7509,7512],{},[263,7510,7511],{},"Online filing"," - From anywhere",[32,7514,7515,7512],{},[263,7516,7517],{},"Mail filing",[32,7519,7520,7512],{},[263,7521,7522],{},"Phone",[32,7524,7525,7528],{},[263,7526,7527],{},"In-person"," - When you're in California",[376,7530,7532],{"title":7531,"type":574},"Planning Ahead",[15,7533,7534],{},"If you anticipate going on disability, consider scheduling an in-person visit during a trip to California.",[24,7536,7538],{"id":7537},"closest-office-to-your-base","Closest Office to Your Base",[490,7540,7541,7551],{},[493,7542,7543],{},[496,7544,7545,7548],{},[499,7546,7547],{},"FedEx Base",[499,7549,7550],{},"Nearest Major EDD Office",[506,7552,7553,7561,7569,7577],{},[496,7554,7555,7558],{},[511,7556,7557],{},"Oakland (OAK)",[511,7559,7560],{},"Oakland EDD",[496,7562,7563,7566],{},[511,7564,7565],{},"Los Angeles (LAX)",[511,7567,7568],{},"Los Angeles\u002FInglewood EDD",[496,7570,7571,7574],{},[511,7572,7573],{},"Ontario (ONT)",[511,7575,7576],{},"San Bernardino EDD",[496,7578,7579,7582],{},[511,7580,7581],{},"San Francisco (SFO)",[511,7583,7584],{},"Oakland\u002FSan Francisco EDD",[19,7586,7588],{"id":7587},"what-to-look-for-in-an-office","What to Look For in an Office",[24,7590,7592],{"id":7591},"higher-volume-more-experience","Higher Volume = More Experience",[15,7594,7595],{},"Larger offices often:",[29,7597,7598,7601,7604],{},[32,7599,7600],{},"Have more experienced staff",[32,7602,7603],{},"Handle unusual situations better",[32,7605,7606],{},"Understand complex pay structures",[24,7608,7610],{"id":7609},"pilot-specific-experience","Pilot-Specific Experience",[15,7612,7613],{},"Some offices may have staff who:",[29,7615,7616,7619,7622],{},[32,7617,7618],{},"Have helped pilots before",[32,7620,7621],{},"Understand variable pay",[32,7623,7624],{},"Know the SDI\u002FLTD interaction",[15,7626,7627],{},"Unfortunately, there's no way to guarantee this—but larger metro offices are your best bet.",[19,7629,7631],{"id":7630},"alternative-appointments","Alternative: Appointments",[24,7633,7635],{"id":7634},"scheduling-an-appointment","Scheduling an Appointment",[15,7637,7638],{},"Some offices offer appointments:",[441,7640,7641,7644,7647],{},[32,7642,7643],{},"Check EDD website for availability",[32,7645,7646],{},"Call the office directly",[32,7648,7649],{},"Use online appointment scheduler if available",[15,7651,7652],{},[263,7653,7654],{},"Benefits of appointments:",[29,7656,7657,7660,7663],{},[32,7658,7659],{},"Scheduled time (less waiting)",[32,7661,7662],{},"More focused assistance",[32,7664,7665],{},"Better for complex issues",[15,7667,7668],{},[263,7669,7670],{},"Drawbacks:",[29,7672,7673,7676,7679],{},[32,7674,7675],{},"Limited availability",[32,7677,7678],{},"May still have some wait",[32,7680,7681],{},"Not always available",[19,7683,7685],{"id":7684},"tips-for-choosing-an-office","Tips for Choosing an Office",[24,7687,7689],{"id":7688},"if-you-have-options","If You Have Options:",[441,7691,7692,7698,7704,7710],{},[32,7693,7694,7697],{},[263,7695,7696],{},"Closest to home\u002Fbase"," - Convenience matters",[32,7699,7700,7703],{},[263,7701,7702],{},"Largest office"," - More staff, more experience",[32,7705,7706,7709],{},[263,7707,7708],{},"Best reviews"," - Check online for recent experiences",[32,7711,7712,7715],{},[263,7713,7714],{},"Appointment availability"," - If offered, consider it",[24,7717,7719],{"id":7718},"if-you-only-have-one-option","If You Only Have One Option:",[441,7721,7722,7725,7728,7731],{},[32,7723,7724],{},"Verify it handles SDI",[32,7726,7727],{},"Check hours and plan to arrive early",[32,7729,7730],{},"Prepare thoroughly",[32,7732,7733],{},"Be ready for a long day",[19,7735,7737],{"id":7736},"virtual-options","Virtual Options",[24,7739,7741],{"id":7740},"before-making-the-trip","Before Making the Trip",[15,7743,7744],{},"Consider whether virtual options can solve your issue:",[490,7746,7747,7757],{},[493,7748,7749],{},[496,7750,7751,7754],{},[499,7752,7753],{},"Need",[499,7755,7756],{},"Virtual Option",[506,7758,7759,7766,7774,7781,7789],{},[496,7760,7761,7764],{},[511,7762,7763],{},"Status check",[511,7765,1850],{},[496,7767,7768,7771],{},[511,7769,7770],{},"Simple question",[511,7772,7773],{},"Phone (if you can get through)",[496,7775,7776,7778],{},[511,7777,7422],{},[511,7779,7780],{},"Online upload or fax",[496,7782,7783,7786],{},[511,7784,7785],{},"Complex issue",[511,7787,7788],{},"In-person likely needed",[496,7790,7791,7794],{},[511,7792,7793],{},"Stuck claim",[511,7795,7796],{},"In-person or Assembly member",[19,7798,806],{"id":805},[29,7800,7801,7805,7810],{},[32,7802,7803,2022],{},[35,7804,222],{"href":221},[32,7806,7807,7809],{},[35,7808,295],{"href":294}," - Full office directory",[32,7811,7812,7814],{},[35,7813,208],{"href":207}," - Is it the right time?",{"title":334,"searchDepth":335,"depth":335,"links":7816},[7817,7821,7825,7831,7835,7839,7842,7846,7849],{"id":7271,"depth":335,"text":7272,"children":7818},[7819,7820],{"id":7275,"depth":340,"text":7276},{"id":7301,"depth":340,"text":7302},{"id":7311,"depth":335,"text":7312,"children":7822},[7823,7824],{"id":7315,"depth":340,"text":7316},{"id":7377,"depth":340,"text":7378},{"id":7403,"depth":335,"text":7404,"children":7826},[7827,7828,7829,7830],{"id":7407,"depth":340,"text":7408},{"id":7425,"depth":340,"text":7426},{"id":7461,"depth":340,"text":7462},{"id":7476,"depth":340,"text":7477},{"id":7491,"depth":335,"text":7492,"children":7832},[7833,7834],{"id":7495,"depth":340,"text":7496},{"id":7537,"depth":340,"text":7538},{"id":7587,"depth":335,"text":7588,"children":7836},[7837,7838],{"id":7591,"depth":340,"text":7592},{"id":7609,"depth":340,"text":7610},{"id":7630,"depth":335,"text":7631,"children":7840},[7841],{"id":7634,"depth":340,"text":7635},{"id":7684,"depth":335,"text":7685,"children":7843},[7844,7845],{"id":7688,"depth":340,"text":7689},{"id":7718,"depth":340,"text":7719},{"id":7736,"depth":335,"text":7737,"children":7847},[7848],{"id":7740,"depth":340,"text":7741},{"id":805,"depth":335,"text":806},"Finding the right EDD office for your needs","i-lucide-map-pin",{},{"title":2017,"description":7850},"guide\u002Fin-person\u002Fwhich-office","5QCAxWhNr2-sblfSV2rRwyk3nib1iWND8BHb5CzWqGI",{"id":7857,"title":45,"body":7858,"description":8545,"extension":350,"icon":2062,"lastUpdated":850,"meta":8546,"navigation":354,"order":335,"path":44,"seo":8547,"stem":8548,"__hash__":8549},"guide\u002Fguide\u002Foverview\u002Fhow-ltd-works.md",{"type":8,"value":7859,"toc":8516},[7860,7863,7866,7879,7881,7885,7888,7892,7926,7936,7940,7942,7946,7951,7965,7969,7986,7994,7998,8002,8009,8013,8020,8026,8030,8035,8040,8060,8069,8073,8083,8087,8165,8170,8184,8192,8196,8202,8213,8216,8220,8223,8240,8248,8252,8295,8303,8307,8311,8330,8334,8348,8350,8364,8368,8371,8391,8401,8405,8408,8419,8422,8431,8435,8439,8475,8477],[11,7861,45],{"id":7862},"how-fedex-ltd-works",[15,7864,7865],{},"FedEx provides Long-Term Disability (LTD) insurance to pilots as specified in the CBA. This benefit is designed to replace a portion of your income if you become unable to work for an extended period.",[376,7867,7869],{"title":7868,"type":425},"Claims Administrator",[15,7870,7871,7872,7875,7876,7878],{},"The CBA Section 27.J references ",[263,7873,7874],{},"Aetna Life Insurance Company"," as the claims administrator. However, some documentation references The Hartford. Verify the current administrator with FedEx Benefits Service Center (1-855-545-4748) before filing. See ",[35,7877,295],{"href":294}," for more information.",[19,7880,2080],{"id":2079},[24,7882,7884],{"id":7883},"what-is-ltd","What is LTD?",[15,7886,7887],{},"LTD insurance provides monthly income if you become disabled and cannot perform your job duties as a pilot. Unlike short-term solutions like sick banks, LTD is designed for extended disabilities.",[24,7889,7891],{"id":7890},"coverage-levels-cba-section-27j2","Coverage Levels (CBA Section 27.J.2)",[490,7893,7894,7903],{},[493,7895,7896],{},[496,7897,7898,7900],{},[499,7899,2451],{},[499,7901,7902],{},"Benefit Level",[506,7904,7905,7916],{},[496,7906,7907,7910],{},[511,7908,7909],{},"Months 1-24",[511,7911,7912,7915],{},[263,7913,7914],{},"60%"," of monthly earnings",[496,7917,7918,7921],{},[511,7919,7920],{},"Months 25+",[511,7922,7923,7915],{},[263,7924,7925],{},"50%",[376,7927,7929],{"title":7928,"type":574},"Important Limits",[15,7930,7931,7932,7935],{},"LTD benefits are calculated on compensation up to the IRS 401(a)(17) limit, which is ",[263,7933,7934],{},"$350,000 for 2026",". Earnings above this cap are not included in benefit calculations.",[24,7937,7939],{"id":7938},"how-benefits-are-calculated-cba-section-27j6","How Benefits Are Calculated (CBA Section 27.J.6)",[15,7941,6466],{},[4078,7943,7944],{},[15,7945,6506],{},[15,7947,7948],{},[263,7949,7950],{},"Calculation steps:",[441,7952,7953,7956,7959,7962],{},[32,7954,7955],{},"Identify your highest 12 consecutive months of earnings in the 36 months before disability",[32,7957,7958],{},"Divide by 12 to get monthly earnings",[32,7960,7961],{},"Multiply by 60% (months 1-24) or 50% (months 25+)",[32,7963,7964],{},"Cap at IRS 401(a)(17) limit",[15,7966,7967],{},[263,7968,927],{},[29,7970,7971,7974,7977,7980,7983],{},[32,7972,7973],{},"Highest 12-month period: $380,000",[32,7975,7976],{},"Capped at 401(a)(17) limit: $350,000",[32,7978,7979],{},"Monthly earnings: $350,000 ÷ 12 = $29,167",[32,7981,7982],{},"Months 1-24 benefit: $29,167 × 60% = $17,500\u002Fmonth (capped at $17,500)",[32,7984,7985],{},"Months 25+ benefit: $29,167 × 50% = $14,583\u002Fmonth",[15,7987,7988],{},[263,7989,641,7990,7993],{},[35,7991,7992],{"href":1374},"Benefit Calculation Guide"," for complete details.",[19,7995,7997],{"id":7996},"definition-of-disability","Definition of Disability",[24,7999,8001],{"id":8000},"own-occupation-first-24-months","Own Occupation (First 24 Months)",[15,8003,8004,8005,8008],{},"For the first 24 months, you're considered disabled if you cannot perform the material duties of ",[263,8006,8007],{},"your own occupation"," as a pilot.",[24,8010,8012],{"id":8011},"any-occupation-after-24-months","Any Occupation (After 24 Months)",[15,8014,8015,8016,8019],{},"After 24 months, the definition changes. You're considered disabled only if you cannot perform ",[263,8017,8018],{},"any occupation"," for which you're reasonably qualified by education, training, or experience.",[376,8021,8023],{"title":8022,"type":425},"The 24-Month Transition",[15,8024,8025],{},"Many disabilities that qualify under \"own occupation\" may not qualify under \"any occupation.\" This is when many claims are terminated. Be aware of this transition and prepare accordingly.",[19,8027,8029],{"id":8028},"when-does-ltd-begin-cba-section-27j1","When Does LTD Begin? (CBA Section 27.J.1)",[15,8031,8032,8034],{},[263,8033,4737],{}," LTD eligibility is triggered by specific events, not just a time period:",[15,8036,8037],{},[263,8038,8039],{},"LTD begins when ONE of these occurs:",[441,8041,8042,8048,8054],{},[32,8043,8044,8047],{},[263,8045,8046],{},"Exhaustion of sick banks"," - Both regular sick AND DSA depleted",[32,8049,8050,8053],{},[263,8051,8052],{},"Disability-related seat change"," - Bidding down due to medical restrictions",[32,8055,8056,8059],{},[263,8057,8058],{},"Move to non-pilot position"," - Transitioning to ground position due to disability",[376,8061,8063],{"title":8062,"type":574},"Not Just Time-Based",[15,8064,8065,8066,7993],{},"Unlike many LTD plans, the FedEx plan does NOT begin simply after 180 days. You must meet one of the eligibility triggers. See ",[35,8067,8068],{"href":1454},"LTD Eligibility",[19,8070,8072],{"id":8071},"offsets-cba-sections-27j13-27j15","Offsets (CBA Sections 27.J.13, 27.J.15)",[376,8074,8076],{"title":8075,"type":379},"Critical Concept",[15,8077,8078,8079,8082],{},"The LTD administrator reduces your LTD benefit by amounts you receive (or are ",[263,8080,8081],{},"expected"," to receive) from other sources. This is called an \"offset.\"",[24,8084,8086],{"id":8085},"offset-rules-by-type","Offset Rules by Type:",[490,8088,8089,8101],{},[493,8090,8091],{},[496,8092,8093,8095,8098],{},[499,8094,2445],{},[499,8096,8097],{},"Offset Amount",[499,8099,8100],{},"Notes",[506,8102,8103,8116,8130,8143,8154],{},[496,8104,8105,8108,8113],{},[511,8106,8107],{},"California SDI",[511,8109,8110],{},[263,8111,8112],{},"100%",[511,8114,8115],{},"Full amount offset",[496,8117,8118,8121,8127],{},[511,8119,8120],{},"Social Security Disability (SSDI)",[511,8122,8123,8126],{},[263,8124,8125],{},"70%"," only",[511,8128,8129],{},"Only 70% of pilot's SSDI (family benefits NOT offset)",[496,8131,8132,8135,8140],{},[511,8133,8134],{},"Outside income",[511,8136,8137],{},[263,8138,8139],{},"50% of excess",[511,8141,8142],{},"Only if total exceeds pre-disability income",[496,8144,8145,8148,8151],{},[511,8146,8147],{},"Workers' Compensation",[511,8149,8150],{},"Varies",[511,8152,8153],{},"Check plan documents",[496,8155,8156,8159,8162],{},[511,8157,8158],{},"VA Disability",[511,8160,8161],{},"Usually No",[511,8163,8164],{},"Separate offset rules may apply",[15,8166,8167],{},[263,8168,8169],{},"Key CBA provisions:",[29,8171,8172,8178],{},[32,8173,8174,8177],{},[263,8175,8176],{},"SSDI:"," Only 70% of your personal SSDI is offset (disabilities after Oct 30, 2006). Family benefits are NOT offset.",[32,8179,8180,8183],{},[263,8181,8182],{},"Outside income:"," Only offset if your total income (LTD + outside) exceeds your pre-disability total income (FedEx + outside). Then only 50% of the excess is offset.",[15,8185,8186],{},[263,8187,641,8188,8191],{},[35,8189,8190],{"href":1384},"Comprehensive Offset Guide"," for details and examples.",[24,8193,8195],{"id":8194},"the-california-problem","The California Problem",[15,8197,8198,8199,8201],{},"For California-based pilots, the administrator will offset your LTD by the CA SDI amount you're ",[263,8200,8081],{}," to receive—even if:",[29,8203,8204,8207,8210],{},[32,8205,8206],{},"You haven't filed for SDI yet",[32,8208,8209],{},"You've filed but are waiting for approval",[32,8211,8212],{},"You've been approved but haven't received payment",[15,8214,8215],{},"This creates the core problem this guide addresses: you may receive reduced LTD payments before you've actually received SDI.",[19,8217,8219],{"id":8218},"cooperation-requirements-cba-section-27j4","Cooperation Requirements (CBA Section 27.J.4)",[15,8221,8222],{},"To maintain LTD benefits, you must:",[29,8224,8225,8228,8231,8234,8237],{},[32,8226,8227],{},"Fully cooperate with the claims administrator",[32,8229,8230],{},"Coordinate with the Aeromedical Advisor",[32,8232,8233],{},"Diligently seek restoration of your FAA medical certificate",[32,8235,8236],{},"Respond promptly to information requests",[32,8238,8239],{},"Attend required medical examinations",[15,8241,8242],{},[263,8243,641,8244,7993],{},[35,8245,8247],{"href":8246},"\u002Fguide\u002Fhartford\u002Fcooperation","Cooperation Requirements",[19,8249,8251],{"id":8250},"duration-limits-cba-sections-27j10-27j11","Duration Limits (CBA Sections 27.J.10, 27.J.11)",[490,8253,8254,8263],{},[493,8255,8256],{},[496,8257,8258,8261],{},[499,8259,8260],{},"Condition Type",[499,8262,2148],{},[506,8264,8265,8273,8284],{},[496,8266,8267,8270],{},[511,8268,8269],{},"General physical disabilities",[511,8271,8272],{},"Until recovery or age 65",[496,8274,8275,8278],{},[511,8276,8277],{},"Mental health conditions",[511,8279,8280,8283],{},[263,8281,8282],{},"60 months"," (5 years)",[496,8285,8286,8289],{},[511,8287,8288],{},"Substance abuse",[511,8290,8291,8294],{},[263,8292,8293],{},"18 months"," (12 + 6 for recertification)",[15,8296,8297],{},[263,8298,641,8299,7993],{},[35,8300,8302],{"href":8301},"\u002Fguide\u002Fhartford\u002Fduration","Duration Limits",[19,8304,8306],{"id":8305},"the-claims-process","The Claims Process",[24,8308,8310],{"id":8309},"filing-a-claim","Filing a Claim",[441,8312,8313,8316,8321,8324,8327],{},[32,8314,8315],{},"Determine which administrator handles claims (Aetna or Hartford)",[32,8317,8318,8319,1365],{},"Contact the administrator (see ",[35,8320,295],{"href":294},[32,8322,8323],{},"Complete required claim forms",[32,8325,8326],{},"Provide medical documentation",[32,8328,8329],{},"Administrator reviews and makes a determination",[24,8331,8333],{"id":8332},"what-the-administrator-needs","What the Administrator Needs",[29,8335,8336,8339,8342,8345],{},[32,8337,8338],{},"Medical records supporting disability",[32,8340,8341],{},"Proof of earnings (usually from FedEx payroll)",[32,8343,8344],{},"Information about other benefits you may receive",[32,8346,8347],{},"Ongoing medical updates",[24,8349,5725],{"id":5724},[29,8351,8352,8355,8358,8361],{},[32,8353,8354],{},"Administrator will assign a claims examiner",[32,8356,8357],{},"Keep records of all communications",[32,8359,8360],{},"Respond promptly to requests for information",[32,8362,8363],{},"Document everything in writing when possible",[19,8365,8367],{"id":8366},"appeal-rights","Appeal Rights",[15,8369,8370],{},"If the administrator denies your claim or you disagree with their calculation:",[441,8372,8373,8379,8385],{},[32,8374,8375,8378],{},[263,8376,8377],{},"Internal Appeal:"," File within the timeframe specified in your denial letter",[32,8380,8381,8384],{},[263,8382,8383],{},"PBRB Review:"," Request review through ALPA's Pilot Benefit Review Board",[32,8386,8387,8390],{},[263,8388,8389],{},"Legal Action:"," ERISA provides rights to sue in federal court",[376,8392,8394],{"title":8393,"type":379},"6-Month Deadline",[15,8395,8396,8397,8400],{},"You typically have ",[263,8398,8399],{},"180 days (6 months)"," from a decision to file an appeal. Missing this deadline can forfeit your rights. Track this date carefully!",[19,8402,8404],{"id":8403},"company-system-access-cba-section-27j19","Company System Access (CBA Section 27.J.19)",[15,8406,8407],{},"While on disability, you retain access to:",[29,8409,8410,8413,8416],{},[32,8411,8412],{},"pilot.fedex.com",[32,8414,8415],{},"PRISM",[32,8417,8418],{},"Company email (@fedex.com)",[15,8420,8421],{},"This is a contractual right. If access is lost, contact IT and reference CBA Section 27.J.19.",[15,8423,8424],{},[263,8425,641,8426,8430],{},[35,8427,8429],{"href":8428},"\u002Fguide\u002Fhartford\u002Fcompany-access","Company System Access"," for details.",[19,8432,8434],{"id":8433},"working-with-the-administrator","Working with the Administrator",[24,8436,8438],{"id":8437},"tips-for-success","Tips for Success",[29,8440,8441,8446,8452,8457,8463,8469],{},[32,8442,8443,8445],{},[263,8444,6389],{}," Keep copies of all submissions and correspondence",[32,8447,8448,8451],{},[263,8449,8450],{},"Be proactive:"," Don't wait for administrator to contact you",[32,8453,8454,8456],{},[263,8455,6383],{}," Delays in responding can delay your benefits",[32,8458,8459,8462],{},[263,8460,8461],{},"Keep good records:"," Medical records, pay stubs, communications",[32,8464,8465,8468],{},[263,8466,8467],{},"Understand your plan:"," Request and read your actual plan documents",[32,8470,8471,8474],{},[263,8472,8473],{},"Know the CBA:"," Reference specific CBA sections when needed",[19,8476,806],{"id":805},[29,8478,8479,8486,8494,8502,8509],{},[32,8480,8481,8485],{},[263,8482,8483],{},[35,8484,8068],{"href":1454}," - When LTD actually begins",[32,8487,8488,8493],{},[263,8489,8490],{},[35,8491,8492],{"href":1374},"Benefit Calculation"," - Detailed calculation method",[32,8495,8496,8501],{},[263,8497,8498],{},[35,8499,8500],{"href":1384},"Offset Rules"," - Complete offset information",[32,8503,8504,8508],{},[263,8505,8506],{},[35,8507,52],{"href":51}," - Why CA pilots face unique challenges",[32,8510,8511,8515],{},[263,8512,8513],{},[35,8514,268],{"href":267}," - Estimate your LTD and offset amounts",{"title":334,"searchDepth":335,"depth":335,"links":8517},[8518,8523,8527,8528,8532,8533,8534,8539,8540,8541,8544],{"id":2079,"depth":335,"text":2080,"children":8519},[8520,8521,8522],{"id":7883,"depth":340,"text":7884},{"id":7890,"depth":340,"text":7891},{"id":7938,"depth":340,"text":7939},{"id":7996,"depth":335,"text":7997,"children":8524},[8525,8526],{"id":8000,"depth":340,"text":8001},{"id":8011,"depth":340,"text":8012},{"id":8028,"depth":335,"text":8029},{"id":8071,"depth":335,"text":8072,"children":8529},[8530,8531],{"id":8085,"depth":340,"text":8086},{"id":8194,"depth":340,"text":8195},{"id":8218,"depth":335,"text":8219},{"id":8250,"depth":335,"text":8251},{"id":8305,"depth":335,"text":8306,"children":8535},[8536,8537,8538],{"id":8309,"depth":340,"text":8310},{"id":8332,"depth":340,"text":8333},{"id":5724,"depth":340,"text":5725},{"id":8366,"depth":335,"text":8367},{"id":8403,"depth":335,"text":8404},{"id":8433,"depth":335,"text":8434,"children":8542},[8543],{"id":8437,"depth":340,"text":8438},{"id":805,"depth":335,"text":806},"Understanding Long-Term Disability benefits under the CBA",{},{"title":45,"description":8545},"guide\u002Foverview\u002Fhow-ltd-works","1pU1VHPBDyOR3KZnvXQihpSr6zp0Hl1A8ARB_YhQXZw",{"id":8551,"title":147,"body":8552,"description":9291,"extension":350,"icon":9292,"lastUpdated":850,"meta":9293,"navigation":354,"order":335,"path":146,"seo":9294,"stem":9295,"__hash__":9296},"guide\u002Fguide\u002Fpost-filing\u002Ftracking.md",{"type":8,"value":8553,"toc":9254},[8554,8558,8561,8565,8569,8587,8593,8597,8602,8616,8621,8632,8637,8648,8652,8750,8754,8760,8766,8772,8776,8780,8791,8795,8801,8821,8825,8839,8843,8847,8868,8872,8893,8897,8917,8921,8942,8946,8950,9027,9032,9036,9040,9045,9056,9061,9071,9075,9079,9090,9094,9108,9112,9116,9127,9131,9142,9146,9150,9175,9179,9182,9188,9192,9196,9209,9211,9236,9238],[11,8555,8557],{"id":8556},"tracking-your-sdi-claim","Tracking Your SDI Claim",[15,8559,8560],{},"Knowing how to track your claim helps you catch issues early and plan financially.",[19,8562,8564],{"id":8563},"online-tracking","Online Tracking",[24,8566,8568],{"id":8567},"setting-up-online-access","Setting Up Online Access",[441,8570,8571,8578,8581,8584],{},[32,8572,5959,8573],{},[35,8574,8577],{"href":8575,"rel":8576},"https:\u002F\u002Fmyedd.edd.ca.gov",[1955],"myedd.edd.ca.gov",[32,8579,8580],{},"Log in with your account credentials",[32,8582,8583],{},"Navigate to \"Disability Insurance\"",[32,8585,8586],{},"View your claim dashboard",[376,8588,8590],{"title":8589,"type":2303},"Check Regularly",[15,8591,8592],{},"Check your claim status every 2-3 days during active processing. EDD sometimes updates status without sending notifications.",[24,8594,8596],{"id":8595},"what-youll-see-online","What You'll See Online",[15,8598,8599],{},[263,8600,8601],{},"Claim Information:",[29,8603,8604,8607,8610,8613],{},[32,8605,8606],{},"Claim ID",[32,8608,8609],{},"Disability begin date",[32,8611,8612],{},"Current status",[32,8614,8615],{},"Payment history",[15,8617,8618],{},[263,8619,8620],{},"Messages\u002FCorrespondence:",[29,8622,8623,8626,8629],{},[32,8624,8625],{},"Any requests from EDD",[32,8627,8628],{},"Determination letters",[32,8630,8631],{},"Important notices",[15,8633,8634],{},[263,8635,8636],{},"Payment History:",[29,8638,8639,8642,8645],{},[32,8640,8641],{},"Dates of payments",[32,8643,8644],{},"Amounts paid",[32,8646,8647],{},"Payment method used",[19,8649,8651],{"id":8650},"status-codes-explained","Status Codes Explained",[490,8653,8654,8663],{},[493,8655,8656],{},[496,8657,8658,8660],{},[499,8659,2746],{},[499,8661,8662],{},"Meaning",[506,8664,8665,8674,8683,8693,8703,8713,8723,8732,8741],{},[496,8666,8667,8671],{},[511,8668,8669],{},[263,8670,2756],{},[511,8672,8673],{},"Claim received, under review",[496,8675,8676,8680],{},[511,8677,8678],{},[263,8679,2764],{},[511,8681,8682],{},"Missing information required from you",[496,8684,8685,8690],{},[511,8686,8687],{},[263,8688,8689],{},"Physician Certification Needed",[511,8691,8692],{},"Doctor hasn't submitted Part B yet (CRITICAL)",[496,8694,8695,8700],{},[511,8696,8697],{},[263,8698,8699],{},"Medical Review",[511,8701,8702],{},"EDD medical staff is reviewing your doctor's certification",[496,8704,8705,8710],{},[511,8706,8707],{},[263,8708,8709],{},"Additional Information Requested",[511,8711,8712],{},"EDD needs more documentation (often pay-related)",[496,8714,8715,8720],{},[511,8716,8717],{},[263,8718,8719],{},"Approved - Payment Pending",[511,8721,8722],{},"Approved, awaiting payment processing",[496,8724,8725,8729],{},[511,8726,8727],{},[263,8728,2780],{},[511,8730,8731],{},"Payment issued to your card or bank account",[496,8733,8734,8738],{},[511,8735,8736],{},[263,8737,2788],{},[511,8739,8740],{},"Claim denied (Review letter for appeal details)",[496,8742,8743,8747],{},[511,8744,8745],{},[263,8746,2796],{},[511,8748,8749],{},"On hold for investigation or missing certification",[24,8751,8753],{"id":8752},"status-that-need-immediate-attention","Status That Need Immediate Attention",[15,8755,8756,8759],{},[263,8757,8758],{},"Physician Certification Needed:","\nIf this stays for more than 48 hours after you filed Part A, your doctor likely hasn't submitted their part. Your claim is effectively frozen until this happens.",[15,8761,8762,8765],{},[263,8763,8764],{},"Additional Information Requested:","\nFor pilots, this often means EDD found a discrepancy between your reported wages and FedEx's reported data (which may include sick bank usage listed as regular pay). Check your messages for a request to submit pay stubs or an explanation of pay.",[15,8767,8768,8771],{},[263,8769,8770],{},"Suspended:","\nThis usually occurs if you missed a bi-weekly certification or if there's an identity verification issue. Call the EDD main line immediately if you see this.",[19,8773,8775],{"id":8774},"phone-tracking","Phone Tracking",[24,8777,8779],{"id":8778},"when-to-call","When to Call",[29,8781,8782,8785,8788],{},[32,8783,8784],{},"Status hasn't updated in 14 days.",[32,8786,8787],{},"You've already submitted requested info but status is still \"Incomplete\".",[32,8789,8790],{},"You need to report a return to work date that differs from your initial claim.",[24,8792,8794],{"id":8793},"how-to-call-edd","How to Call EDD",[15,8796,8797,8800],{},[263,8798,8799],{},"Main SDI Line:"," 1-800-480-3287",[29,8802,8803,8809,8815],{},[32,8804,8805,8808],{},[263,8806,8807],{},"Best time to call:"," 8:00 AM sharp, or mid-week.",[32,8810,8811,8814],{},[263,8812,8813],{},"Wait times:"," Prepare for 45-90 minutes.",[32,8816,8817,8820],{},[263,8818,8819],{},"Language:"," If you can't get through on the English line, sometimes the Spanish or Cantonese lines have shorter waits if you are bi-lingual.",[24,8822,8824],{"id":8823},"what-to-ask-the-representative","What to Ask the Representative",[441,8826,8827,8830,8833,8836],{},[32,8828,8829],{},"\"Has my physician's Part B been successfully linked to my claim?\"",[32,8831,8832],{},"\"Are there any flags for identity verification (ID.me) on my account?\"",[32,8834,8835],{},"\"Are my highest quarterly wages appearing correctly in your system?\"",[32,8837,8838],{},"\"Is there any additional information needed regarding my FedEx pay structure?\"",[19,8840,8842],{"id":8841},"tracking-checklist","Tracking Checklist",[24,8844,8846],{"id":8845},"week-1-after-filing","Week 1 After Filing",[29,8848,8850,8856,8862],{"className":8849},[688],[32,8851,8853,8855],{"className":8852},[692],[694,8854],{"disabled":354,"type":696}," Confirmation number saved",[32,8857,8859,8861],{"className":8858},[692],[694,8860],{"disabled":354,"type":696}," Online account access verified",[32,8863,8865,8867],{"className":8864},[692],[694,8866],{"disabled":354,"type":696}," Check status once (should show \"Received\")",[24,8869,8871],{"id":8870},"week-2-after-filing","Week 2 After Filing",[29,8873,8875,8881,8887],{"className":8874},[688],[32,8876,8878,8880],{"className":8877},[692],[694,8879],{"disabled":354,"type":696}," Check status online",[32,8882,8884,8886],{"className":8883},[692],[694,8885],{"disabled":354,"type":696}," Confirm doctor was contacted",[32,8888,8890,8892],{"className":8889},[692],[694,8891],{"disabled":354,"type":696}," Check mail for any correspondence",[24,8894,8896],{"id":8895},"week-3-after-filing","Week 3 After Filing",[29,8898,8900,8905,8911],{"className":8899},[688],[32,8901,8903,8880],{"className":8902},[692],[694,8904],{"disabled":354,"type":696},[32,8906,8908,8910],{"className":8907},[692],[694,8909],{"disabled":354,"type":696}," If no update, call EDD",[32,8912,8914,8916],{"className":8913},[692],[694,8915],{"disabled":354,"type":696}," Review any messages in online portal",[24,8918,8920],{"id":8919},"week-4-after-filing","Week 4+ After Filing",[29,8922,8924,8930,8936],{"className":8923},[688],[32,8925,8927,8929],{"className":8926},[692],[694,8928],{"disabled":354,"type":696}," Continue checking every 2-3 days",[32,8931,8933,8935],{"className":8932},[692],[694,8934],{"disabled":354,"type":696}," If approved, watch for payment",[32,8937,8939,8941],{"className":8938},[692],[694,8940],{"disabled":354,"type":696}," Begin continuing certifications if required",[19,8943,8945],{"id":8944},"tracking-timeline-events","Tracking Timeline Events",[24,8947,8949],{"id":8948},"key-dates-to-track","Key Dates to Track",[490,8951,8952,8962],{},[493,8953,8954],{},[496,8955,8956,8959],{},[499,8957,8958],{},"Date",[499,8960,8961],{},"Event",[506,8963,8964,8973,8982,8991,9000,9009,9018],{},[496,8965,8966,8970],{},[511,8967,8968],{},[4969,8969,8958],{},[511,8971,8972],{},"Last day worked",[496,8974,8975,8979],{},[511,8976,8977],{},[4969,8978,8958],{},[511,8980,8981],{},"Disability began",[496,8983,8984,8988],{},[511,8985,8986],{},[4969,8987,8958],{},[511,8989,8990],{},"Claim filed",[496,8992,8993,8997],{},[511,8994,8995],{},[4969,8996,8958],{},[511,8998,8999],{},"49-day deadline (for reference)",[496,9001,9002,9006],{},[511,9003,9004],{},[4969,9005,8958],{},[511,9007,9008],{},"Expected doctor verification complete",[496,9010,9011,9015],{},[511,9012,9013],{},[4969,9014,8958],{},[511,9016,9017],{},"Expected determination",[496,9019,9020,9024],{},[511,9021,9022],{},[4969,9023,8958],{},[511,9025,9026],{},"Expected first payment",[15,9028,2596,9029,9031],{},[35,9030,2599],{"href":285}," to calculate these dates.",[19,9033,9035],{"id":9034},"common-tracking-issues","Common Tracking Issues",[24,9037,9039],{"id":9038},"status-never-changes","Status Never Changes",[15,9041,9042],{},[263,9043,9044],{},"Possible Causes:",[29,9046,9047,9050,9053],{},[32,9048,9049],{},"Claim stuck in queue (high volume)",[32,9051,9052],{},"Missing information",[32,9054,9055],{},"Issue with doctor verification",[15,9057,9058],{},[263,9059,9060],{},"Solutions:",[441,9062,9063,9066,9068],{},[32,9064,9065],{},"Check online messages thoroughly",[32,9067,2978],{},[32,9069,9070],{},"Visit in person if phone is unhelpful",[24,9072,9074],{"id":9073},"cant-access-online-account","Can't Access Online Account",[15,9076,9077],{},[263,9078,9044],{},[29,9080,9081,9084,9087],{},[32,9082,9083],{},"Incorrect login credentials",[32,9085,9086],{},"Account locked",[32,9088,9089],{},"System issues",[15,9091,9092],{},[263,9093,9060],{},[441,9095,9096,9099,9102,9105],{},[32,9097,9098],{},"Reset password",[32,9100,9101],{},"Try different browser",[32,9103,9104],{},"Call EDD tech support",[32,9106,9107],{},"Use phone to check status instead",[24,9109,9111],{"id":9110},"conflicting-information","Conflicting Information",[15,9113,9114],{},[263,9115,9044],{},[29,9117,9118,9121,9124],{},[32,9119,9120],{},"System delays in updating",[32,9122,9123],{},"Human error",[32,9125,9126],{},"Different parts of claim updating separately",[15,9128,9129],{},[263,9130,9060],{},[441,9132,9133,9136,9139],{},[32,9134,9135],{},"Wait 24-48 hours and recheck",[32,9137,9138],{},"Call EDD for clarification",[32,9140,9141],{},"Ask representative to note your file",[19,9143,9145],{"id":9144},"proactive-tracking-tips","Proactive Tracking Tips",[24,9147,9149],{"id":9148},"stay-ahead-of-problems","Stay Ahead of Problems",[441,9151,9152,9158,9163,9169],{},[32,9153,9154,9157],{},[263,9155,9156],{},"Calendar reminders:"," Set for key dates",[32,9159,9160,9162],{},[263,9161,6389],{}," Keep a log of status checks",[32,9164,9165,9168],{},[263,9166,9167],{},"Save screenshots:"," Of online status pages",[32,9170,9171,9174],{},[263,9172,9173],{},"Keep call records:"," Date, time, who you spoke with",[24,9176,9178],{"id":9177},"tracking-log-template","Tracking Log Template",[15,9180,9181],{},"Keep a simple log:",[413,9183,9186],{"className":9184,"code":9185,"language":418},[416],"Date        | Action          | Status\u002FResult\n------------|-----------------|------------------\n03\u002F15\u002F2026  | Filed claim     | Confirmation #12345\n03\u002F18\u002F2026  | Checked online  | Status: Received\n03\u002F22\u002F2026  | Checked online  | Status: Pending Medical\n03\u002F25\u002F2026  | Called doctor   | They'll certify tomorrow\n03\u002F29\u002F2026  | Checked online  | Status: Approved\n",[420,9187,9185],{"__ignoreMap":334},[19,9189,9191],{"id":9190},"when-to-escalate","When to Escalate",[24,9193,9195],{"id":9194},"signs-escalation-is-needed","Signs Escalation Is Needed",[29,9197,9198,9201,9204,9207],{},[32,9199,9200],{},"4+ weeks with no progress",[32,9202,9203],{},"EDD unresponsive to calls",[32,9205,9206],{},"Conflicting information received",[32,9208,1563],{},[24,9210,2846],{"id":2845},[441,9212,9213,9218,9224,9230],{},[32,9214,9215,9217],{},[263,9216,2859],{}," - Talk to someone directly",[32,9219,9220,9223],{},[263,9221,9222],{},"Contact Assembly member"," - They have EDD liaisons",[32,9225,9226,9229],{},[263,9227,9228],{},"Contact ALPA"," - Union may be able to assist",[32,9231,9232,9235],{},[263,9233,9234],{},"Document for formal complaint"," - If needed later",[19,9237,806],{"id":805},[29,9239,9240,9245,9249],{},[32,9241,9242,9244],{},[35,9243,3073],{"href":153}," - Responding to EDD",[32,9246,9247,3080],{},[35,9248,3079],{"href":160},[32,9250,9251,9253],{},[35,9252,2599],{"href":285}," - Create your personalized timeline",{"title":334,"searchDepth":335,"depth":335,"links":9255},[9256,9260,9263,9268,9274,9277,9282,9286,9290],{"id":8563,"depth":335,"text":8564,"children":9257},[9258,9259],{"id":8567,"depth":340,"text":8568},{"id":8595,"depth":340,"text":8596},{"id":8650,"depth":335,"text":8651,"children":9261},[9262],{"id":8752,"depth":340,"text":8753},{"id":8774,"depth":335,"text":8775,"children":9264},[9265,9266,9267],{"id":8778,"depth":340,"text":8779},{"id":8793,"depth":340,"text":8794},{"id":8823,"depth":340,"text":8824},{"id":8841,"depth":335,"text":8842,"children":9269},[9270,9271,9272,9273],{"id":8845,"depth":340,"text":8846},{"id":8870,"depth":340,"text":8871},{"id":8895,"depth":340,"text":8896},{"id":8919,"depth":340,"text":8920},{"id":8944,"depth":335,"text":8945,"children":9275},[9276],{"id":8948,"depth":340,"text":8949},{"id":9034,"depth":335,"text":9035,"children":9278},[9279,9280,9281],{"id":9038,"depth":340,"text":9039},{"id":9073,"depth":340,"text":9074},{"id":9110,"depth":340,"text":9111},{"id":9144,"depth":335,"text":9145,"children":9283},[9284,9285],{"id":9148,"depth":340,"text":9149},{"id":9177,"depth":340,"text":9178},{"id":9190,"depth":335,"text":9191,"children":9287},[9288,9289],{"id":9194,"depth":340,"text":9195},{"id":2845,"depth":340,"text":2846},{"id":805,"depth":335,"text":806},"How to monitor your SDI claim status","i-lucide-search",{},{"title":147,"description":9291},"guide\u002Fpost-filing\u002Ftracking","1cD0r9tR79_0qJ09hNUfY0356XzMkvy_NwldtDypq_o",{"id":9298,"title":79,"body":9299,"description":9692,"extension":350,"icon":9693,"lastUpdated":850,"meta":9694,"navigation":354,"order":335,"path":78,"seo":9695,"stem":9696,"__hash__":9697},"guide\u002Fguide\u002Fpreparation\u002Fdocumenting-income.md",{"type":8,"value":9300,"toc":9668},[9301,9304,9307,9311,9315,9318,9367,9373,9377,9380,9388,9391,9402,9406,9409,9420,9424,9428,9431,9437,9441,9444,9450,9454,9457,9468,9473,9476,9496,9499,9503,9506,9522,9526,9529,9540,9544,9547,9558,9562,9565,9569,9575,9579,9585,9589,9592,9598,9601,9604,9649,9651],[11,9302,79],{"id":9303},"documenting-your-income",[15,9305,9306],{},"Having comprehensive income documentation is crucial for a smooth SDI claim. This guide covers what to collect and how to organize it.",[19,9308,9310],{"id":9309},"what-to-collect","What to Collect",[24,9312,9314],{"id":9313},"pay-stubs-last-18-months","Pay Stubs (Last 18 Months)",[15,9316,9317],{},"You need pay stubs covering your entire base period plus some buffer:",[490,9319,9320,9333],{},[493,9321,9322],{},[496,9323,9324,9327,9330],{},[499,9325,9326],{},"Document",[499,9328,9329],{},"Where to Find",[499,9331,9332],{},"Why You Need It",[506,9334,9335,9346,9356],{},[496,9336,9337,9340,9343],{},[511,9338,9339],{},"Pay stubs (18 months)",[511,9341,9342],{},"Workday",[511,9344,9345],{},"Prove quarterly income",[496,9347,9348,9351,9353],{},[511,9349,9350],{},"YTD summaries",[511,9352,9342],{},[511,9354,9355],{},"Quick income verification",[496,9357,9358,9361,9364],{},[511,9359,9360],{},"Direct deposit records",[511,9362,9363],{},"Your bank",[511,9365,9366],{},"Backup proof of payment",[376,9368,9370],{"title":9369,"type":425},"Access Changes During Disability",[15,9371,9372],{},"Your Workday access may change or be limited if you go on extended leave. Download everything you might need BEFORE you become unable to work if possible.",[24,9374,9376],{"id":9375},"w-2-forms","W-2 Forms",[15,9378,9379],{},"Keep your W-2 forms for:",[29,9381,9382,9385],{},[32,9383,9384],{},"The current year (when available)",[32,9386,9387],{},"The previous 2 years",[15,9389,9390],{},"These show:",[29,9392,9393,9396,9399],{},[32,9394,9395],{},"Total CA SDI taxes withheld (Box 14)",[32,9397,9398],{},"Total compensation reported to California",[32,9400,9401],{},"Verification of employment",[24,9403,9405],{"id":9404},"flight-records-optional-but-helpful","Flight Records (Optional but Helpful)",[15,9407,9408],{},"If you need to prove when you were actually working vs. using sick time:",[29,9410,9411,9414,9417],{},[32,9412,9413],{},"PBS bid records",[32,9415,9416],{},"Actual trip flown records",[32,9418,9419],{},"Sick time usage records",[19,9421,9423],{"id":9422},"how-to-organize","How to Organize",[24,9425,9427],{"id":9426},"create-a-timeline","Create a Timeline",[15,9429,9430],{},"Document your work history:",[413,9432,9435],{"className":9433,"code":9434,"language":418},[416],"Month     | Status         | Income\n----------|----------------|--------\nJan 2025  | Full schedule  | $32,000\nFeb 2025  | Full schedule  | $28,000\nMar 2025  | Partial sick   | $25,000\nApr 2025  | Full sick time | $18,000\nMay 2025  | Disability     | $0\n",[420,9436,9434],{"__ignoreMap":334},[24,9438,9440],{"id":9439},"calculate-quarterly-totals","Calculate Quarterly Totals",[15,9442,9443],{},"For your base period, calculate:",[413,9445,9448],{"className":9446,"code":9447,"language":418},[416],"Q1: Jan + Feb + Mar = $____\nQ2: Apr + May + Jun = $____\nQ3: Jul + Aug + Sep = $____\nQ4: Oct + Nov + Dec = $____\n\nHighest Quarter: $____ (this determines your benefit)\n",[420,9449,9447],{"__ignoreMap":334},[24,9451,9453],{"id":9452},"flag-sick-time-usage","Flag Sick Time Usage",[15,9455,9456],{},"Mark any periods where you used sick time or vacation time. This may be important if EDD asks about:",[29,9458,9459,9462,9465],{},[32,9460,9461],{},"When your disability began",[32,9463,9464],{},"Why income varied",[32,9466,9467],{},"What was \"regular\" pay vs. sick pay vs. vacation pay",[15,9469,9470],{},[263,9471,9472],{},"Understanding Pay Type Distinctions:",[15,9474,9475],{},"Different types of compensation may be evaluated differently by CA EDD when determining your disability status and benefit amount:",[29,9477,9478,9484,9490],{},[32,9479,9480,9483],{},[263,9481,9482],{},"Regular flight pay",": Normal working income",[32,9485,9486,9489],{},[263,9487,9488],{},"Sick pay",": May be counted as income when determining if you're earning less due to disability",[32,9491,9492,9495],{},[263,9493,9494],{},"Vacation pay",": May be treated differently than sick pay for SDI evaluation purposes",[15,9497,9498],{},"If you have periods with mixed pay types, document them clearly. Understanding these distinctions can be important when working with EDD on your claim. For current policy on how each pay type is evaluated, contact CA EDD directly.",[19,9500,9502],{"id":9501},"where-to-find-documents","Where to Find Documents",[24,9504,9342],{"id":9505},"workday",[441,9507,9508,9510,9513,9516],{},[32,9509,916],{},[32,9511,9512],{},"Navigate to Pay → Pay Statements",[32,9514,9515],{},"Download each statement as PDF",[32,9517,9518,9519],{},"Save with naming convention: ",[420,9520,9521],{},"PayStub_2025-01-15.pdf",[24,9523,9525],{"id":9524},"direct-access","Direct Access",[15,9527,9528],{},"If you can't access Workday:",[441,9530,9531,9534,9537],{},[32,9532,9533],{},"Contact FedEx Benefits Center",[32,9535,9536],{},"Request historical pay information",[32,9538,9539],{},"Allow time for processing",[24,9541,9543],{"id":9542},"bank-records","Bank Records",[15,9545,9546],{},"Your bank can provide:",[29,9548,9549,9552,9555],{},[32,9550,9551],{},"Direct deposit history",[32,9553,9554],{},"Payment amounts and dates",[32,9556,9557],{},"Backup verification",[19,9559,9561],{"id":9560},"creating-summary-documents","Creating Summary Documents",[15,9563,9564],{},"Consider creating summary documents that are easy for EDD to understand:",[24,9566,9568],{"id":9567},"monthly-income-summary","Monthly Income Summary",[413,9570,9573],{"className":9571,"code":9572,"language":418},[416],"╔════════════════════════════════════════════════════════════╗\n║  MONTHLY INCOME SUMMARY - [Your Name]                      ║\n║  Employee ID: XXXXX                                        ║\n╠════════════════════════════════════════════════════════════╣\n║  Month     | Gross Pay  | Flight Pay | Sick Pay | Vac Pay ║\n║  ----------|------------|------------|----------|--------- ║\n║  Jan 2025  | $32,000    | $28,000    | $0       | $4,000  ║\n║  Feb 2025  | $28,000    | $26,000    | $0       | $2,000  ║\n║  Mar 2025  | $25,000    | $15,000    | $8,000   | $2,000  ║\n║  Apr 2025  | $18,000    | $0         | $18,000  | $0      ║\n╚════════════════════════════════════════════════════════════╝\n",[420,9574,9572],{"__ignoreMap":334},[24,9576,9578],{"id":9577},"quarterly-summary-for-base-period","Quarterly Summary for Base Period",[413,9580,9583],{"className":9581,"code":9582,"language":418},[416],"╔══════════════════════════════════════════════════════╗\n║  QUARTERLY INCOME - BASE PERIOD                      ║\n║  For Claim Filed: [Month\u002FYear]                       ║\n║  Base Period: [Start] to [End]                       ║\n╠══════════════════════════════════════════════════════╣\n║  Quarter        | Total Wages    | Notes            ║\n║  ---------------|----------------|------------------ ║\n║  Q1 (Jan-Mar)   | $85,000        | Full schedule    ║\n║  Q2 (Apr-Jun)   | $92,000        | ← HIGHEST        ║\n║  Q3 (Jul-Sep)   | $78,000        | Vacation month   ║\n║  Q4 (Oct-Dec)   | $88,000        | Full schedule    ║\n╠══════════════════════════════════════════════════════╣\n║  HIGHEST QUARTER: $92,000                            ║\n║  ESTIMATED WEEKLY BENEFIT: $1,765 (max)              ║\n╚══════════════════════════════════════════════════════╝\n",[420,9584,9582],{"__ignoreMap":334},[19,9586,9588],{"id":9587},"digital-organization","Digital Organization",[15,9590,9591],{},"Create a folder structure:",[413,9593,9596],{"className":9594,"code":9595,"language":418},[416],"SDI_Claim\u002F\n├── Pay_Stubs\u002F\n│   ├── 2024\u002F\n│   └── 2025\u002F\n├── W2_Forms\u002F\n├── Calculations\u002F\n│   ├── quarterly_summary.xlsx\n│   └── highest_quarter.pdf\n├── Medical\u002F\n│   ├── doctor_info.txt\n│   └── medical_records\u002F\n└── Correspondence\u002F\n    ├── EDD\u002F\n    └── Hartford\u002F\n",[420,9597,9595],{"__ignoreMap":334},[19,9599,277],{"id":9600},"checklist",[15,9602,9603],{},"Use this checklist to track document collection:",[29,9605,9607,9613,9619,9625,9631,9637,9643],{"className":9606},[688],[32,9608,9610,9612],{"className":9609},[692],[694,9611],{"disabled":354,"type":696}," Downloaded last 18 months of pay stubs",[32,9614,9616,9618],{"className":9615},[692],[694,9617],{"disabled":354,"type":696}," Saved W-2 forms (2-3 years)",[32,9620,9622,9624],{"className":9621},[692],[694,9623],{"disabled":354,"type":696}," Calculated quarterly totals for base period",[32,9626,9628,9630],{"className":9627},[692],[694,9629],{"disabled":354,"type":696}," Identified highest quarter",[32,9632,9634,9636],{"className":9633},[692],[694,9635],{"disabled":354,"type":696}," Created summary documents",[32,9638,9640,9642],{"className":9639},[692],[694,9641],{"disabled":354,"type":696}," Saved documents in organized folders",[32,9644,9646,9648],{"className":9645},[692],[694,9647],{"disabled":354,"type":696}," Made backup copies (cloud or external drive)",[19,9650,806],{"id":805},[29,9652,9653,9658,9663],{},[32,9654,9655,9657],{},[35,9656,86],{"href":85}," - Managing your time off banks",[32,9659,9660,9662],{},[35,9661,93],{"href":92}," - Other important documents",[32,9664,9665,9667],{},[35,9666,268],{"href":267}," - Calculate your expected benefit",{"title":334,"searchDepth":335,"depth":335,"links":9669},[9670,9675,9680,9685,9689,9690,9691],{"id":9309,"depth":335,"text":9310,"children":9671},[9672,9673,9674],{"id":9313,"depth":340,"text":9314},{"id":9375,"depth":340,"text":9376},{"id":9404,"depth":340,"text":9405},{"id":9422,"depth":335,"text":9423,"children":9676},[9677,9678,9679],{"id":9426,"depth":340,"text":9427},{"id":9439,"depth":340,"text":9440},{"id":9452,"depth":340,"text":9453},{"id":9501,"depth":335,"text":9502,"children":9681},[9682,9683,9684],{"id":9505,"depth":340,"text":9342},{"id":9524,"depth":340,"text":9525},{"id":9542,"depth":340,"text":9543},{"id":9560,"depth":335,"text":9561,"children":9686},[9687,9688],{"id":9567,"depth":340,"text":9568},{"id":9577,"depth":340,"text":9578},{"id":9587,"depth":335,"text":9588},{"id":9600,"depth":335,"text":277},{"id":805,"depth":335,"text":806},"What records to gather before filing a CA SDI claim","i-lucide-file-stack",{},{"title":79,"description":9692},"guide\u002Fpreparation\u002Fdocumenting-income","mYrJ_aAewYLlhPZgtTRd072cKlujmxs6DQEJsv5efLI",{"id":9699,"title":8158,"body":9700,"description":10207,"extension":350,"icon":10208,"lastUpdated":850,"meta":10209,"navigation":354,"order":335,"path":241,"seo":10210,"stem":10211,"__hash__":10212},"guide\u002Fguide\u002Fspecial\u002Fva-disability.md",{"type":8,"value":9701,"toc":10171},[9702,9706,9709,9713,9717,9727,9732,9740,9745,9756,9760,9764,9767,9772,9786,9792,9796,9822,9826,9830,9835,9846,9851,9862,9866,9869,9877,9880,9884,9887,9932,9936,9939,9954,9958,9962,9967,9978,9983,9994,9998,10003,10014,10019,10025,10028,10030,10034,10048,10052,10063,10065,10069,10072,10076,10079,10083,10086,10097,10101,10104,10115,10119,10123,10134,10138,10141,10152,10154],[11,9703,9705],{"id":9704},"va-disability-and-sdiltd","VA Disability and SDI\u002FLTD",[15,9707,9708],{},"Many pilots are veterans with VA disability ratings. Here's how VA benefits interact with California SDI and Hartford LTD.",[19,9710,9712],{"id":9711},"va-disability-and-ca-sdi","VA Disability and CA SDI",[24,9714,9716],{"id":9715},"good-news-no-sdi-offset","Good News: No SDI Offset",[376,9718,9720],{"title":9719,"type":2303},"SDI Does NOT Offset VA Disability",[15,9721,9722,9723,9726],{},"California SDI does ",[263,9724,9725],{},"not"," reduce or offset for VA disability compensation. You can receive both simultaneously without reduction.",[15,9728,9729],{},[263,9730,9731],{},"You receive:",[29,9733,9734,9737],{},[32,9735,9736],{},"Full VA disability compensation, AND",[32,9738,9739],{},"Full SDI benefits (if otherwise eligible)",[15,9741,9742],{},[263,9743,9744],{},"No coordination required:",[29,9746,9747,9750,9753],{},[32,9748,9749],{},"Don't need to report VA disability to EDD",[32,9751,9752],{},"VA compensation doesn't affect SDI eligibility",[32,9754,9755],{},"SDI amount is not reduced by VA payments",[19,9757,9759],{"id":9758},"va-disability-and-hartford-ltd","VA Disability and Hartford LTD",[24,9761,9763],{"id":9762},"potential-offset","Potential Offset",[15,9765,9766],{},"Hartford's LTD policy may or may not offset for VA disability. Check your specific policy.",[15,9768,9769],{},[263,9770,9771],{},"Typically:",[29,9773,9774,9780,9783],{},[32,9775,9776,9777],{},"Service-connected VA disability: Usually ",[263,9778,9779],{},"NOT offset",[32,9781,9782],{},"VA pension (non-service connected): May be offset",[32,9784,9785],{},"Other VA benefits: Varies by policy",[376,9787,9789],{"title":9788,"type":425},"Review Your Policy",[15,9790,9791],{},"Hartford policies vary. Request and review your specific LTD policy to understand offset provisions for VA benefits.",[24,9793,9795],{"id":9794},"what-to-do","What to Do",[441,9797,9798,9804,9810,9816],{},[32,9799,9800,9803],{},[263,9801,9802],{},"Review policy"," - Check offset provisions carefully",[32,9805,9806,9809],{},[263,9807,9808],{},"Keep benefits separate"," - Don't volunteer information not requested",[32,9811,9812,9815],{},[263,9813,9814],{},"If asked"," - Distinguish service-connected from other VA benefits",[32,9817,9818,9821],{},[263,9819,9820],{},"If offset applied"," - May be grounds for appeal if improper",[19,9823,9825],{"id":9824},"disability-rating-considerations","Disability Rating Considerations",[24,9827,9829],{"id":9828},"if-you-have-a-va-rating","If You Have a VA Rating",[15,9831,9832],{},[263,9833,9834],{},"For SDI:",[29,9836,9837,9840,9843],{},[32,9838,9839],{},"VA rating doesn't prevent SDI eligibility",[32,9841,9842],{},"SDI is based on work inability, not VA rating",[32,9844,9845],{},"Can have 100% VA rating and still qualify for SDI (different criteria)",[15,9847,9848],{},[263,9849,9850],{},"For Hartford:",[29,9852,9853,9856,9859],{},[32,9854,9855],{},"\"Disabled\" for VA is different from \"disabled\" for LTD",[32,9857,9858],{},"Hartford uses policy definition, not VA definition",[32,9860,9861],{},"VA rating is evidence but not determinative",[24,9863,9865],{"id":9864},"new-va-claim-while-on-sdiltd","New VA Claim While on SDI\u002FLTD",[15,9867,9868],{},"If you're filing a new VA claim while on SDI\u002FLTD:",[29,9870,9871,9874],{},[32,9872,9873],{},"SDI: No impact, no need to report",[32,9875,9876],{},"LTD: May need to report (check policy), but service-connected usually not offset",[19,9878,8120],{"id":9879},"social-security-disability-ssdi",[24,9881,9883],{"id":9882},"different-from-va-disability","Different from VA Disability",[15,9885,9886],{},"Don't confuse VA disability with Social Security Disability:",[490,9888,9889,9901],{},[493,9890,9891],{},[496,9892,9893,9895,9898],{},[499,9894,2442],{},[499,9896,9897],{},"Offset SDI?",[499,9899,9900],{},"Offset LTD?",[506,9902,9903,9913,9922],{},[496,9904,9905,9908,9911],{},[511,9906,9907],{},"VA Disability (service-connected)",[511,9909,9910],{},"No",[511,9912,8161],{},[496,9914,9915,9917,9919],{},[511,9916,8120],{},[511,9918,9910],{},[511,9920,9921],{},"Yes",[496,9923,9924,9927,9929],{},[511,9925,9926],{},"VA Pension (non-service)",[511,9928,9910],{},[511,9930,9931],{},"Possibly",[24,9933,9935],{"id":9934},"if-filing-for-ssdi","If Filing for SSDI",[15,9937,9938],{},"Many long-term disabilities lead to SSDI applications:",[29,9940,9941,9948,9951],{},[32,9942,9943,9944,9947],{},"SSDI ",[263,9945,9946],{},"is"," offset by Hartford LTD",[32,9949,9950],{},"Consider timing of SSDI application",[32,9952,9953],{},"Consult with disability attorney if considering SSDI",[19,9955,9957],{"id":9956},"coordination-strategies","Coordination Strategies",[24,9959,9961],{"id":9960},"maximizing-benefits","Maximizing Benefits",[15,9963,9964],{},[263,9965,9966],{},"Legal and Appropriate:",[441,9968,9969,9972,9975],{},[32,9970,9971],{},"Receive full VA disability compensation (always)",[32,9973,9974],{},"Apply for and receive full SDI (if eligible)",[32,9976,9977],{},"Receive LTD (offset by SDI, but not VA)",[15,9979,9980],{},[263,9981,9982],{},"Your Total:",[29,9984,9985,9988,9991],{},[32,9986,9987],{},"VA Disability: Full amount",[32,9989,9990],{},"SDI: Full amount",[32,9992,9993],{},"LTD: Reduced by SDI (but not VA)",[24,9995,9997],{"id":9996},"example-calculation","Example Calculation",[15,9999,10000],{},[263,10001,10002],{},"Assumptions:",[29,10004,10005,10008,10011],{},[32,10006,10007],{},"VA disability: $2,000\u002Fmonth",[32,10009,10010],{},"SDI: $7,000\u002Fmonth",[32,10012,10013],{},"LTD (gross): $19,446\u002Fmonth",[15,10015,10016],{},[263,10017,10018],{},"Without LTD Offset for VA:",[413,10020,10023],{"className":10021,"code":10022,"language":418},[416],"VA:  $2,000\u002Fmonth (unchanged)\nSDI: $7,000\u002Fmonth (unchanged)\nLTD: $19,446 - $7,000 = $12,446\u002Fmonth\n\nTotal: $2,000 + $7,000 + $12,446 = $21,446\u002Fmonth\n",[420,10024,10022],{"__ignoreMap":334},[15,10026,10027],{},"This is better than if LTD offset for VA benefits too.",[19,10029,5611],{"id":5610},[24,10031,10033],{"id":10032},"keep-records-of","Keep Records Of:",[29,10035,10036,10039,10042,10045],{},[32,10037,10038],{},"VA rating decision letters",[32,10040,10041],{},"VA payment amounts",[32,10043,10044],{},"Distinction between service-connected and other VA benefits",[32,10046,10047],{},"Any correspondence about VA benefits with Hartford",[24,10049,10051],{"id":10050},"if-hartford-asks","If Hartford Asks:",[29,10053,10054,10057,10060],{},[32,10055,10056],{},"Provide information required by policy",[32,10058,10059],{},"Clarify which benefits are service-connected",[32,10061,10062],{},"Challenge improper offsets if applied",[19,10064,4824],{"id":4823},[24,10066,10068],{"id":10067},"will-getting-sdi-affect-my-va-benefits","\"Will Getting SDI Affect My VA Benefits?\"",[15,10070,10071],{},"No. VA disability compensation is completely independent of SDI.",[24,10073,10075],{"id":10074},"do-i-need-to-report-sdi-to-the-va","\"Do I Need to Report SDI to the VA?\"",[15,10077,10078],{},"Generally no, unless you're receiving need-based VA benefits (rare for pilots with VA disability).",[24,10080,10082],{"id":10081},"can-i-work-part-time-with-both","\"Can I Work Part-Time with Both?\"",[15,10084,10085],{},"Complex question. Working may affect:",[29,10087,10088,10091,10094],{},[32,10089,10090],{},"SDI (you must be \"unable to do your regular work\")",[32,10092,10093],{},"LTD (definition of \"disabled\" in policy)",[32,10095,10096],{},"VA usually not affected by earnings unless pension-based",[24,10098,10100],{"id":10099},"what-if-i-return-to-flying","\"What if I Return to Flying?\"",[15,10102,10103],{},"If you return to flying:",[29,10105,10106,10109,10112],{},[32,10107,10108],{},"SDI and LTD would stop (no longer disabled)",[32,10110,10111],{},"VA disability continues (if condition persists)",[32,10113,10114],{},"VA rating may be reviewed at scheduled intervals",[19,10116,10118],{"id":10117},"getting-help","Getting Help",[24,10120,10122],{"id":10121},"va-specific-resources","VA-Specific Resources",[29,10124,10125,10128,10131],{},[32,10126,10127],{},"VA Benefits Hotline: 1-800-827-1000",[32,10129,10130],{},"Local VA Regional Office",[32,10132,10133],{},"Veterans Service Organizations (VSO)",[24,10135,10137],{"id":10136},"for-complex-situations","For Complex Situations",[15,10139,10140],{},"Consider consulting:",[29,10142,10143,10146,10149],{},[32,10144,10145],{},"VA-experienced attorney",[32,10147,10148],{},"Disability benefits specialist",[32,10150,10151],{},"ALPA (for pilot-specific guidance)",[19,10153,806],{"id":805},[29,10155,10156,10160,10166],{},[32,10157,10158,2541],{},[35,10159,268],{"href":267},[32,10161,10162,10165],{},[35,10163,10164],{"href":180},"How Offset Is Calculated"," - LTD offset details",[32,10167,10168,10170],{},[35,10169,295],{"href":294}," - Resource contact information",{"title":334,"searchDepth":335,"depth":335,"links":10172},[10173,10176,10180,10184,10188,10192,10196,10202,10206],{"id":9711,"depth":335,"text":9712,"children":10174},[10175],{"id":9715,"depth":340,"text":9716},{"id":9758,"depth":335,"text":9759,"children":10177},[10178,10179],{"id":9762,"depth":340,"text":9763},{"id":9794,"depth":340,"text":9795},{"id":9824,"depth":335,"text":9825,"children":10181},[10182,10183],{"id":9828,"depth":340,"text":9829},{"id":9864,"depth":340,"text":9865},{"id":9879,"depth":335,"text":8120,"children":10185},[10186,10187],{"id":9882,"depth":340,"text":9883},{"id":9934,"depth":340,"text":9935},{"id":9956,"depth":335,"text":9957,"children":10189},[10190,10191],{"id":9960,"depth":340,"text":9961},{"id":9996,"depth":340,"text":9997},{"id":5610,"depth":335,"text":5611,"children":10193},[10194,10195],{"id":10032,"depth":340,"text":10033},{"id":10050,"depth":340,"text":10051},{"id":4823,"depth":335,"text":4824,"children":10197},[10198,10199,10200,10201],{"id":10067,"depth":340,"text":10068},{"id":10074,"depth":340,"text":10075},{"id":10081,"depth":340,"text":10082},{"id":10099,"depth":340,"text":10100},{"id":10117,"depth":335,"text":10118,"children":10203},[10204,10205],{"id":10121,"depth":340,"text":10122},{"id":10136,"depth":340,"text":10137},{"id":805,"depth":335,"text":806},"How VA disability benefits interact with SDI and LTD","i-lucide-medal",{},{"title":8158,"description":10207},"guide\u002Fspecial\u002Fva-disability","QUTgsPwBwrjqv5nVhZRbYydD3D40OMdEmRR1Wd9-lCE",{"id":10214,"title":120,"body":10215,"description":10856,"extension":350,"icon":10857,"lastUpdated":850,"meta":10858,"navigation":354,"order":340,"path":119,"seo":10859,"stem":10860,"__hash__":10861},"guide\u002Fguide\u002Ffiling\u002Fstep-by-step.md",{"type":8,"value":10216,"toc":10827},[10217,10221,10224,10228,10232,10235,10240,10256,10261,10274,10279,10299,10304,10312,10316,10320,10336,10340,10345,10377,10383,10387,10400,10404,10407,10419,10423,10428,10470,10484,10490,10495,10506,10510,10515,10523,10528,10536,10541,10546,10550,10556,10561,10578,10583,10591,10595,10600,10611,10617,10621,10626,10637,10641,10649,10653,10672,10676,10680,10700,10704,10715,10719,10722,10730,10733,10744,10748,10752,10766,10770,10781,10785,10788,10791,10794,10808,10810],[11,10218,10220],{"id":10219},"step-by-step-filing-guide","Step-by-Step Filing Guide",[15,10222,10223],{},"This guide walks you through the SDI claim filing process step by step.",[19,10225,10227],{"id":10226},"before-you-start","Before You Start",[24,10229,10231],{"id":10230},"gather-required-information","Gather Required Information",[15,10233,10234],{},"Have these ready before starting:",[15,10236,10237],{},[263,10238,10239],{},"Personal Information:",[29,10241,10242,10245,10248,10250,10253],{},[32,10243,10244],{},"Social Security Number (full 9 digits)",[32,10246,10247],{},"Date of birth",[32,10249,6043],{},[32,10251,10252],{},"Current mailing address",[32,10254,10255],{},"Phone number and email",[15,10257,10258],{},[263,10259,10260],{},"Employment Information:",[29,10262,10263,10266,10269,10271],{},[32,10264,10265],{},"FedEx's name and address",[32,10267,10268],{},"Your employee ID",[32,10270,8972],{},[32,10272,10273],{},"Usual occupation: \"Airline Pilot\"",[15,10275,10276],{},[263,10277,10278],{},"Medical Information:",[29,10280,10281,10284,10287,10290,10293,10296],{},[32,10282,10283],{},"Treating physician's name",[32,10285,10286],{},"Doctor's phone number",[32,10288,10289],{},"Doctor's address",[32,10291,10292],{},"Doctor's medical license number (verify at mbc.ca.gov)",[32,10294,10295],{},"Diagnosis (general description)",[32,10297,10298],{},"Date disability began",[15,10300,10301],{},[263,10302,10303],{},"Financial Information:",[29,10305,10306,10309],{},[32,10307,10308],{},"Bank routing number (for direct deposit)",[32,10310,10311],{},"Bank account number (for direct deposit)",[19,10313,10315],{"id":10314},"online-filing-steps","Online Filing Steps",[24,10317,10319],{"id":10318},"step-1-access-the-edd-website","Step 1: Access the EDD Website",[441,10321,10322,10327,10330,10333],{},[32,10323,5959,10324],{},[35,10325,5964],{"href":5962,"rel":10326},[1955],[32,10328,10329],{},"Click \"Disability\" in the main navigation",[32,10331,10332],{},"Select \"File a Disability Insurance Claim\"",[32,10334,10335],{},"Click \"File a DI Claim Online\"",[24,10337,10339],{"id":10338},"step-2-create-or-log-into-account-myedd","Step 2: Create or Log Into Account (myEDD)",[15,10341,10342,10343,5965],{},"EDD uses a central portal called ",[263,10344,5971],{},[441,10346,10347,10353,10371],{},[32,10348,10349,10352],{},[263,10350,10351],{},"Register\u002FLog In",": Click \"Register\" or \"Log In\" to access myEDD.",[32,10354,10355,10357,10358],{},[263,10356,5295],{},":\n",[29,10359,10360,10365,10368],{},[32,10361,10362,10363,5965],{},"myEDD requires identity verification through ",[263,10364,5301],{},[32,10366,10367],{},"You will need a government-issued photo ID (Driver's License, Passport, etc.).",[32,10369,10370],{},"This process can take 5-15 minutes but may be delayed if your ID documents don't match your account information Exactly.",[32,10372,10373,10376],{},[263,10374,10375],{},"Connect to SDI Online",": Once your myEDD account is set up, select \"SDI Online\" to enter the disability claim portal.",[376,10378,10380],{"title":10379,"type":425},"ID.me Warning",[15,10381,10382],{},"Do not wait until the day you are disabled to set up your account. We recommend setting up your myEDD account and completing ID.me verification while you are healthy.",[24,10384,10386],{"id":10385},"step-3-start-new-claim","Step 3: Start New Claim",[441,10388,10389,10392,10395],{},[32,10390,10391],{},"Select \"File a New Disability Insurance Claim\"",[32,10393,10394],{},"Confirm you meet eligibility requirements",[32,10396,10397,10399],{},[263,10398,2277],{},": You will be asked how your physician will certify. Select \"Online\" if your doctor uses SDI Online (recommended).",[24,10401,10403],{"id":10402},"step-4-personal-information","Step 4: Personal Information",[15,10405,10406],{},"Enter your personal details. Ensure these match your FedEx employment records and tax documents exactly.",[29,10408,10409,10411,10413,10416],{},[32,10410,6040],{},[32,10412,10247],{},[32,10414,10415],{},"Driver's license number",[32,10417,10418],{},"Current mailing address (This is where your debit card will be sent)",[24,10420,10422],{"id":10421},"step-5-employment-information","Step 5: Employment Information",[15,10424,10425],{},[263,10426,10427],{},"Last Employer Section:",[29,10429,10430,10436,10442,10449,10455,10461,10467],{},[32,10431,10432,10433],{},"Employer name: ",[263,10434,10435],{},"Federal Express Corporation",[32,10437,10438,10439],{},"Employer address: ",[263,10440,10441],{},"3620 Hacks Cross Rd, Building B, 3rd floor, Memphis, TN 38125",[32,10443,10444,10445,10448],{},"Supervisor\u002FVerification: ",[263,10446,10447],{},"Sheila Voye"," (Pilot Administration Center - Fleet Operations, Emp# 275964)",[32,10450,10451,10452],{},"Phone: ",[263,10453,10454],{},"901-434-5000",[32,10456,10457,10458],{},"Your occupation: ",[263,10459,10460],{},"Airline Pilot",[32,10462,10463,10464,5965],{},"Last day worked: This is the ",[263,10465,10466],{},"last day you physically flew or were on duty",[32,10468,10469],{},"Reason for stopping work: Illness\u002FInjury\u002FDisability",[376,10471,10473],{"title":10472,"type":574},"Why use this address?",[15,10474,10475,10476,10479,10480,10483],{},"The ",[263,10477,10478],{},"Hacks Cross"," address is critical because it connects directly to the ",[263,10481,10482],{},"Pilot Administration Center (PAC)",". The PAC is responsible for verifying your employment and payroll data for state disability claims. Using a different address (like the one on your W-2 or the Collierville payroll office) often results in significant delays or no response to EDD's verification requests.",[376,10485,10487],{"title":10486,"type":2303},"Date Ambiguity",[15,10488,10489],{},"If your last flight was August 28 and you didn't fly at all in September before becoming disabled on Oct 1, your \"last day worked\" remains August 28. However, your disability beginning date is the date the doctor certifies you were unable to work.",[15,10491,10492],{},[263,10493,10494],{},"Wage Information:",[29,10496,10497,10500,10503],{},[32,10498,10499],{},"The system may pre-populate from state records",[32,10501,10502],{},"Verify it looks reasonable",[32,10504,10505],{},"Note any discrepancies",[24,10507,10509],{"id":10508},"step-6-disability-information","Step 6: Disability Information",[15,10511,10512],{},[263,10513,10514],{},"Disability Start Date:",[29,10516,10517,10520],{},[32,10518,10519],{},"Enter the first day you were unable to work",[32,10521,10522],{},"This is typically the day after your last worked day",[15,10524,10525],{},[263,10526,10527],{},"Type of Disability:",[29,10529,10530,10533],{},[32,10531,10532],{},"Select the category that best fits",[32,10534,10535],{},"Provide brief description (e.g., \"Surgery recovery\" or \"Medical condition\")",[15,10537,10538],{},[263,10539,10540],{},"Are You in a Hospital?",[29,10542,10543],{},[32,10544,10545],{},"Answer current status",[24,10547,10549],{"id":10548},"step-7-medical-provider-information","Step 7: Medical Provider Information",[376,10551,10553],{"title":10552,"type":425},"Critical Section",[15,10554,10555],{},"Errors in doctor information cause significant delays. Verify everything is accurate, especially the license number.",[15,10557,10558],{},[263,10559,10560],{},"Doctor Information:",[29,10562,10563,10566,10569,10572,10575],{},[32,10564,10565],{},"Full legal name of treating physician",[32,10567,10568],{},"Medical license number (verify at mbc.ca.gov)",[32,10570,10571],{},"Complete address",[32,10573,10574],{},"Phone number",[32,10576,10577],{},"Fax number (helpful for EDD to contact them)",[15,10579,10580],{},[263,10581,10582],{},"Treatment Information:",[29,10584,10585,10588],{},[32,10586,10587],{},"First date of treatment for this condition",[32,10589,10590],{},"Last date of treatment (or ongoing)",[24,10592,10594],{"id":10593},"step-8-other-benefits","Step 8: Other Benefits",[15,10596,10597],{},[263,10598,10599],{},"Are you receiving or entitled to receive:",[29,10601,10602,10605,10608],{},[32,10603,10604],{},"Workers' Compensation? (Usually No for illness)",[32,10606,10607],{},"Other state disability? (No)",[32,10609,10610],{},"Employer-paid sick leave? (May be Yes—answer honestly)",[376,10612,10614],{"title":10613,"type":574},"Sick Leave Question",[15,10615,10616],{},"If you're currently using sick leave, answer Yes. This doesn't disqualify you—EDD will coordinate benefits appropriately.",[24,10618,10620],{"id":10619},"step-9-payment-method","Step 9: Payment Method",[15,10622,10623],{},[263,10624,10625],{},"Direct Deposit (Recommended):",[29,10627,10628,10631,10634],{},[32,10629,10630],{},"Bank routing number (9 digits)",[32,10632,10633],{},"Account number",[32,10635,10636],{},"Account type (checking or savings)",[15,10638,10639],{},[263,10640,3033],{},[29,10642,10643,10646],{},[32,10644,10645],{},"EDD can issue a Bank of America debit card",[32,10647,10648],{},"May take longer to receive",[24,10650,10652],{"id":10651},"step-10-review-and-submit","Step 10: Review and Submit",[441,10654,10655,10658,10661,10664,10667],{},[32,10656,10657],{},"Review all information carefully",[32,10659,10660],{},"Correct any errors before submitting",[32,10662,10663],{},"Read and accept certifications",[32,10665,10666],{},"Submit the claim",[32,10668,10669],{},[263,10670,10671],{},"SAVE YOUR CONFIRMATION NUMBER",[19,10673,10675],{"id":10674},"after-submitting","After Submitting",[24,10677,10679],{"id":10678},"immediate-steps","Immediate Steps",[441,10681,10682,10688,10694],{},[32,10683,10684,10687],{},[263,10685,10686],{},"Screenshot or print"," confirmation page",[32,10689,10690,10693],{},[263,10691,10692],{},"Save confirmation number"," in multiple places",[32,10695,10696,10699],{},[263,10697,10698],{},"Note the date"," you filed",[24,10701,10703],{"id":10702},"within-24-48-hours","Within 24-48 Hours",[441,10705,10706,10709,10712],{},[32,10707,10708],{},"You may receive email confirmation",[32,10710,10711],{},"Check your EDD account for claim status",[32,10713,10714],{},"No action needed unless contacted",[24,10716,10718],{"id":10717},"doctors-certification","Doctor's Certification",[15,10720,10721],{},"Your doctor must complete their certification:",[441,10723,10724,10727],{},[32,10725,10726],{},"EDD may contact your doctor directly, OR",[32,10728,10729],{},"You may need to facilitate this",[15,10731,10732],{},"Ask your doctor:",[29,10734,10735,10738,10741],{},[32,10736,10737],{},"Can they complete online via EDD?",[32,10739,10740],{},"Do they need a paper form?",[32,10742,10743],{},"How long will it take them?",[19,10745,10747],{"id":10746},"troubleshooting","Troubleshooting",[24,10749,10751],{"id":10750},"if-the-website-has-errors","If the Website Has Errors",[29,10753,10754,10757,10760,10763],{},[32,10755,10756],{},"Try a different browser",[32,10758,10759],{},"Clear cache and cookies",[32,10761,10762],{},"Try at a different time (early morning is usually better)",[32,10764,10765],{},"Call EDD or go in-person if persistent issues",[24,10767,10769],{"id":10768},"if-you-made-a-mistake","If You Made a Mistake",[29,10771,10772,10775,10778],{},[32,10773,10774],{},"Minor errors can often be corrected by calling EDD",[32,10776,10777],{},"Major errors may require starting over",[32,10779,10780],{},"Don't file duplicate claims—call EDD instead",[24,10782,10784],{"id":10783},"if-doctor-information-is-wrong","If Doctor Information Is Wrong",[15,10786,10787],{},"Call EDD immediately to correct. Incorrect doctor information is a major cause of delays.",[19,10789,147],{"id":10790},"tracking-your-claim",[15,10792,10793],{},"After filing, monitor your claim:",[441,10795,10796,10799,10802,10805],{},[32,10797,10798],{},"Log into EDD online account",[32,10800,10801],{},"Check status regularly (every few days)",[32,10803,10804],{},"Watch for mail\u002Femail from EDD",[32,10806,10807],{},"Respond immediately to any requests",[19,10809,806],{"id":805},[29,10811,10812,10817,10822],{},[32,10813,10814,10816],{},[35,10815,127],{"href":126}," - Supporting documents",[32,10818,10819,10821],{},[35,10820,6361],{"href":139}," - What to expect",[32,10823,10824,10826],{},[35,10825,277],{"href":276}," - Track your progress",{"title":334,"searchDepth":335,"depth":335,"links":10828},[10829,10832,10844,10849,10854,10855],{"id":10226,"depth":335,"text":10227,"children":10830},[10831],{"id":10230,"depth":340,"text":10231},{"id":10314,"depth":335,"text":10315,"children":10833},[10834,10835,10836,10837,10838,10839,10840,10841,10842,10843],{"id":10318,"depth":340,"text":10319},{"id":10338,"depth":340,"text":10339},{"id":10385,"depth":340,"text":10386},{"id":10402,"depth":340,"text":10403},{"id":10421,"depth":340,"text":10422},{"id":10508,"depth":340,"text":10509},{"id":10548,"depth":340,"text":10549},{"id":10593,"depth":340,"text":10594},{"id":10619,"depth":340,"text":10620},{"id":10651,"depth":340,"text":10652},{"id":10674,"depth":335,"text":10675,"children":10845},[10846,10847,10848],{"id":10678,"depth":340,"text":10679},{"id":10702,"depth":340,"text":10703},{"id":10717,"depth":340,"text":10718},{"id":10746,"depth":335,"text":10747,"children":10850},[10851,10852,10853],{"id":10750,"depth":340,"text":10751},{"id":10768,"depth":340,"text":10769},{"id":10783,"depth":340,"text":10784},{"id":10790,"depth":335,"text":147},{"id":805,"depth":335,"text":806},"Detailed walkthrough of the SDI claim process","i-lucide-list-ordered",{},{"title":120,"description":10856},"guide\u002Ffiling\u002Fstep-by-step","MFyHEc_LDDlfQQzVTBqBoyWp2T22iI7ReN4KmE0M8ec",{"id":10863,"title":10864,"body":10865,"description":11382,"extension":350,"icon":11383,"lastUpdated":850,"meta":11384,"navigation":354,"order":340,"path":187,"seo":11385,"stem":11386,"__hash__":11387},"guide\u002Fguide\u002Fhartford\u002Fappealing.md","Appealing Hartford Decisions",{"type":8,"value":10866,"toc":11342},[10867,10871,10874,10878,10882,10885,10899,10902,10905,10919,10923,10934,10938,10947,10951,10957,10960,10964,10968,10971,10984,10990,10996,11000,11003,11017,11021,11025,11047,11051,11057,11061,11065,11068,11118,11122,11125,11139,11143,11146,11157,11159,11162,11169,11180,11184,11194,11198,11201,11215,11217,11221,11224,11235,11239,11242,11253,11257,11261,11293,11297,11300,11302,11316,11320,11323,11325],[11,10868,10870],{"id":10869},"appealing-hartford-ltd-decisions","Appealing Hartford LTD Decisions",[15,10872,10873],{},"If Hartford denies your LTD claim or you believe their calculation is wrong, you have appeal rights.",[19,10875,10877],{"id":10876},"reasons-to-appeal","Reasons to Appeal",[24,10879,10881],{"id":10880},"claim-denial","Claim Denial",[15,10883,10884],{},"Hartford may deny your claim for:",[29,10886,10887,10890,10893,10896],{},[32,10888,10889],{},"Not meeting definition of \"disabled\"",[32,10891,10892],{},"Pre-existing condition exclusion",[32,10894,10895],{},"Missing documentation",[32,10897,10898],{},"Alleged misrepresentation",[24,10900,8492],{"id":10901},"benefit-calculation",[15,10903,10904],{},"You might dispute:",[29,10906,10907,10910,10913,10916],{},[32,10908,10909],{},"Incorrect salary used in calculation",[32,10911,10912],{},"Wrong offset amount",[32,10914,10915],{},"Improper application of policy terms",[32,10917,10918],{},"Mathematical errors",[24,10920,10922],{"id":10921},"other-issues","Other Issues",[29,10924,10925,10928,10931],{},[32,10926,10927],{},"Benefits terminated too early",[32,10929,10930],{},"Retroactive denial",[32,10932,10933],{},"Change from \"own occupation\" to \"any occupation\"",[19,10935,10937],{"id":10936},"the-180-day-deadline","The 180-Day Deadline",[376,10939,10940],{"title":378,"type":379},[15,10941,10942,10943,10946],{},"You have ",[263,10944,10945],{},"180 days"," from the date of denial to appeal. This deadline is set by ERISA (federal law) and is strictly enforced.",[24,10948,10950],{"id":10949},"counting-the-days","Counting the Days",[413,10952,10955],{"className":10953,"code":10954,"language":418},[416],"Day 0:     Denial letter date\nDay 1:     Next day (start counting)\nDay 180:   FINAL day to submit appeal\n",[420,10956,10954],{"__ignoreMap":334},[15,10958,10959],{},"Don't wait until day 180. Submit well in advance.",[19,10961,10963],{"id":10962},"before-you-appeal","Before You Appeal",[24,10965,10967],{"id":10966},"request-your-claim-file","Request Your Claim File",[15,10969,10970],{},"Under ERISA, you're entitled to:",[29,10972,10973,10976,10979,10981],{},[32,10974,10975],{},"Complete copy of your claim file",[32,10977,10978],{},"All documents Hartford relied upon",[32,10980,4993],{},[32,10982,10983],{},"Internal notes and correspondence",[15,10985,10986,10989],{},[263,10987,10988],{},"How to Request:","\nSend written request to Hartford:",[413,10991,10994],{"className":10992,"code":10993,"language":418},[416],"I hereby request, pursuant to ERISA § 503 and \n29 C.F.R. § 2560.503-1(h)(2)(iii), a complete \ncopy of my claim file including all documents, \nrecords, and other information relevant to my \nclaim for benefits.\n\nClaim Number: [Your claim number]\n",[420,10995,10993],{"__ignoreMap":334},[24,10997,10999],{"id":10998},"review-the-denial-carefully","Review the Denial Carefully",[15,11001,11002],{},"Understand exactly why you were denied:",[441,11004,11005,11008,11011,11014],{},[32,11006,11007],{},"What reason(s) did Hartford give?",[32,11009,11010],{},"What policy language did they cite?",[32,11012,11013],{},"What evidence did they rely on?",[32,11015,11016],{},"What evidence did they ignore?",[19,11018,11020],{"id":11019},"writing-your-appeal","Writing Your Appeal",[24,11022,11024],{"id":11023},"required-elements","Required Elements",[441,11026,11027,11032,11037,11042],{},[32,11028,11029],{},[263,11030,11031],{},"Clear statement of appeal",[32,11033,11034],{},[263,11035,11036],{},"Response to each denial reason",[32,11038,11039],{},[263,11040,11041],{},"Additional evidence",[32,11043,11044],{},[263,11045,11046],{},"Request for specific remedy",[24,11048,11050],{"id":11049},"appeal-letter-template","Appeal Letter Template",[413,11052,11055],{"className":11053,"code":11054,"language":418},[416],"[Date]\n\nHartford Life and Accident Insurance Company\n[Appeals Address from denial letter]\n\nRE: APPEAL OF CLAIM DENIAL\nClaim Number: [Your claim number]\nClaimant: [Your name]\nSSN: [Last 4 digits]\nDate of Denial: [Date from denial letter]\n\nDear Hartford Appeals:\n\nI am writing to formally appeal the denial of my \nLong-Term Disability claim dated [date].\n\nREASON FOR DENIAL:\nHartford denied my claim stating [quote their reason].\n\nMY RESPONSE:\n[Explain why their denial reason is wrong or \nincomplete. Be specific and factual.]\n\nADDITIONAL EVIDENCE:\nI am submitting the following additional evidence:\n1. [List each document]\n2. [With brief description of what it shows]\n\nPOLICY PROVISIONS:\nThe policy provides that [quote relevant sections].\nMy situation meets this requirement because [explain].\n\nREQUESTED REMEDY:\nI request that Hartford:\n1. Reverse the denial of my claim\n2. Pay benefits from [date] forward\n3. [Any other specific requests]\n\nI reserve all rights under ERISA, including the \nright to bring a civil action if this appeal is \ndenied.\n\nPlease confirm receipt of this appeal in writing.\n\nSincerely,\n[Signature]\n[Printed name]\n[Contact information]\n\nENCLOSURES:\n[List all attachments]\n",[420,11056,11054],{"__ignoreMap":334},[19,11058,11060],{"id":11059},"strengthening-your-appeal","Strengthening Your Appeal",[24,11062,11064],{"id":11063},"medical-evidence","Medical Evidence",[15,11066,11067],{},"The most important factor in disability appeals:",[441,11069,11070,11089,11105],{},[32,11071,11072,11075],{},[263,11073,11074],{},"Detailed physician statement",[29,11076,11077,11080,11083,11086],{},[32,11078,11079],{},"Specific diagnosis",[32,11081,11082],{},"Objective findings",[32,11084,11085],{},"Functional limitations",[32,11087,11088],{},"Why you cannot work",[32,11090,11091,11094],{},[263,11092,11093],{},"Medical records",[29,11095,11096,11099,11102],{},[32,11097,11098],{},"Test results",[32,11100,11101],{},"Treatment notes",[32,11103,11104],{},"Hospital records",[32,11106,11107,11110],{},[263,11108,11109],{},"Specialist reports",[29,11111,11112,11115],{},[32,11113,11114],{},"Relevant specialists",[32,11116,11117],{},"Second opinions",[24,11119,11121],{"id":11120},"pilot-specific-arguments","Pilot-Specific Arguments",[15,11123,11124],{},"For pilots, emphasize:",[29,11126,11127,11130,11133,11136],{},[32,11128,11129],{},"No \"light duty\" or modified work possible",[32,11131,11132],{},"FAA medical requirements",[32,11134,11135],{},"Any restriction grounds ALL flying",[32,11137,11138],{},"\"Own occupation\" means airline pilot specifically",[24,11140,11142],{"id":11141},"expert-opinions","Expert Opinions",[15,11144,11145],{},"Consider obtaining:",[29,11147,11148,11151,11154],{},[32,11149,11150],{},"Independent medical examination",[32,11152,11153],{},"Vocational expert opinion",[32,11155,11156],{},"Legal opinion on policy interpretation",[19,11158,10675],{"id":10674},[24,11160,286],{"id":11161},"timeline",[15,11163,11164,11165,11168],{},"Hartford has ",[263,11166,11167],{},"45 days"," to decide your appeal:",[29,11170,11171,11174,11177],{},[32,11172,11173],{},"May extend to 90 days with notice",[32,11175,11176],{},"Must provide written decision",[32,11178,11179],{},"Must explain if denied again",[24,11181,11183],{"id":11182},"if-appeal-approved","If Appeal Approved",[29,11185,11186,11189,11192],{},[32,11187,11188],{},"Benefits should begin promptly",[32,11190,11191],{},"Retroactive benefits may be owed",[32,11193,1822],{},[24,11195,11197],{"id":11196},"if-appeal-denied","If Appeal Denied",[15,11199,11200],{},"You have two options:",[441,11202,11203,11209],{},[32,11204,11205,11208],{},[263,11206,11207],{},"ERISA lawsuit"," in federal court",[32,11210,11211,11214],{},[263,11212,11213],{},"PBRB process"," (for FedEx pilots)",[19,11216,10118],{"id":10117},[24,11218,11220],{"id":11219},"legal-representation","Legal Representation",[15,11222,11223],{},"For complex appeals, consider an attorney:",[29,11225,11226,11229,11232],{},[32,11227,11228],{},"ERISA experience is essential",[32,11230,11231],{},"Many work on contingency",[32,11233,11234],{},"Can significantly improve outcomes",[24,11236,11238],{"id":11237},"alpa-resources","ALPA Resources",[15,11240,11241],{},"The union may provide:",[29,11243,11244,11247,11250],{},[32,11245,11246],{},"General guidance",[32,11248,11249],{},"Referrals to experienced attorneys",[32,11251,11252],{},"Peer support from pilots who've navigated this",[19,11254,11256],{"id":11255},"common-appeal-mistakes","Common Appeal Mistakes",[24,11258,11260],{"id":11259},"avoid-these-errors","Avoid These Errors",[441,11262,11263,11269,11275,11281,11287],{},[32,11264,11265,11268],{},[263,11266,11267],{},"Missing deadline"," - Mark it on calendar immediately",[32,11270,11271,11274],{},[263,11272,11273],{},"Weak medical evidence"," - Get detailed doctor statements",[32,11276,11277,11280],{},[263,11278,11279],{},"Not reviewing file"," - Request and review complete file",[32,11282,11283,11286],{},[263,11284,11285],{},"Generic arguments"," - Address specific denial reasons",[32,11288,11289,11292],{},[263,11290,11291],{},"Waiting too long"," - Start gathering evidence immediately",[19,11294,11296],{"id":11295},"erisa-litigation","ERISA Litigation",[15,11298,11299],{},"If your appeal is denied, you can sue in federal court.",[24,11301,1218],{"id":1217},[29,11303,11304,11307,11310,11313],{},[32,11305,11306],{},"Must exhaust administrative remedies first (appeals)",[32,11308,11309],{},"Limited to evidence in your claim file (mostly)",[32,11311,11312],{},"Court reviews Hartford's decision, not fresh review",[32,11314,11315],{},"Experienced ERISA attorney strongly recommended",[24,11317,11319],{"id":11318},"time-limits","Time Limits",[15,11321,11322],{},"Varies by plan, typically 2-3 years from final denial. Check your policy.",[19,11324,806],{"id":805},[29,11326,11327,11332,11337],{},[32,11328,11329,11331],{},[35,11330,195],{"href":194}," - FedEx-specific option",[32,11333,11334,11336],{},[35,11335,304],{"href":303}," - Appeal letter template",[32,11338,11339,11341],{},[35,11340,295],{"href":294}," - Hartford contact information",{"title":334,"searchDepth":335,"depth":335,"links":11343},[11344,11349,11352,11356,11360,11365,11370,11374,11377,11381],{"id":10876,"depth":335,"text":10877,"children":11345},[11346,11347,11348],{"id":10880,"depth":340,"text":10881},{"id":10901,"depth":340,"text":8492},{"id":10921,"depth":340,"text":10922},{"id":10936,"depth":335,"text":10937,"children":11350},[11351],{"id":10949,"depth":340,"text":10950},{"id":10962,"depth":335,"text":10963,"children":11353},[11354,11355],{"id":10966,"depth":340,"text":10967},{"id":10998,"depth":340,"text":10999},{"id":11019,"depth":335,"text":11020,"children":11357},[11358,11359],{"id":11023,"depth":340,"text":11024},{"id":11049,"depth":340,"text":11050},{"id":11059,"depth":335,"text":11060,"children":11361},[11362,11363,11364],{"id":11063,"depth":340,"text":11064},{"id":11120,"depth":340,"text":11121},{"id":11141,"depth":340,"text":11142},{"id":10674,"depth":335,"text":10675,"children":11366},[11367,11368,11369],{"id":11161,"depth":340,"text":286},{"id":11182,"depth":340,"text":11183},{"id":11196,"depth":340,"text":11197},{"id":10117,"depth":335,"text":10118,"children":11371},[11372,11373],{"id":11219,"depth":340,"text":11220},{"id":11237,"depth":340,"text":11238},{"id":11255,"depth":335,"text":11256,"children":11375},[11376],{"id":11259,"depth":340,"text":11260},{"id":11295,"depth":335,"text":11296,"children":11378},[11379,11380],{"id":1217,"depth":340,"text":1218},{"id":11318,"depth":340,"text":11319},{"id":805,"depth":335,"text":806},"How to appeal Hartford LTD denials or calculation disputes","i-lucide-scale",{},{"title":10864,"description":11382},"guide\u002Fhartford\u002Fappealing","PR_nFIighFwqeHKFClq6Slhho2VgCPAPd5RsYF0zUZs",{"id":11389,"title":11390,"body":11391,"description":12324,"extension":350,"icon":12325,"lastUpdated":850,"meta":12326,"navigation":354,"order":340,"path":1384,"seo":12327,"stem":12328,"__hash__":12329},"guide\u002Fguide\u002Fhartford\u002Foffsets.md","LTD Benefit Offsets",{"type":8,"value":11392,"toc":12281},[11393,11396,11399,11403,11409,11415,11418,11420,11424,11428,11434,11438,11444,11448,11454,11459,11479,11483,11489,11517,11521,11524,11549,11555,11557,11561,11565,11571,11574,11578,11584,11586,11589,11594,11600,11605,11611,11616,11620,11623,11642,11646,11652,11656,11661,11669,11672,11676,11681,11692,11697,11708,11714,11716,11720,11724,11729,11736,11740,11743,11757,11761,11764,11775,11779,11784,11790,11795,11801,11806,11812,11818,11822,11828,11833,11839,11843,11849,11854,11860,11865,11871,11873,11899,11903,11908,11925,11930,11947,11951,11954,11968,11973,11984,11986,11990,11994,11999,12005,12010,12016,12021,12066,12071,12077,12079,12083,12087,12098,12102,12113,12117,12128,12132,12138,12142,12145,12159,12161,12163,12167,12170,12174,12181,12185,12188,12199,12203,12209,12220,12225,12239,12245,12247,12249,12275],[11,11394,11390],{"id":11395},"ltd-benefit-offsets",[15,11397,11398],{},"Your gross LTD benefit is reduced by other income sources. Understanding these offset rules is critical for accurate financial planning.",[19,11400,11402],{"id":11401},"overview-of-offsets","Overview of Offsets",[15,11404,6497,11405,11408],{},[263,11406,11407],{},"net LTD payment"," equals:",[413,11410,11413],{"className":11411,"code":11412,"language":418},[416],"Gross LTD Benefit\n  - CA SDI offset\n  - SSDI offset (70% rule)\n  - Outside income offset (if applicable)\n  = Net LTD Payment\n",[420,11414,11412],{"__ignoreMap":334},[15,11416,11417],{},"Each offset type has different rules. Let's explore each one.",[3959,11419],{},[19,11421,11423],{"id":11422},"ca-sdi-offset","CA SDI Offset",[24,11425,11427],{"id":11426},"basic-rule","Basic Rule",[15,11429,11430,11433],{},[263,11431,11432],{},"CA SDI is fully offset"," from your LTD benefit.",[15,11435,11436],{},[263,11437,927],{},[413,11439,11442],{"className":11440,"code":11441,"language":418},[416],"Gross LTD:      $9,000\u002Fmonth\nCA SDI:         $1,765\u002Fweek × 4.33 = $7,642\u002Fmonth\nNet LTD:        $9,000 - $7,642 = $1,358\u002Fmonth\n",[420,11443,11441],{"__ignoreMap":334},[24,11445,11447],{"id":11446},"critical-problem-the-offset-paradox","Critical Problem: The Offset Paradox",[15,11449,3824,11450,11453],{},[35,11451,11452],{"href":51},"Offset Problem"," guide for a complete explanation of why CA pilots face a unique financial trap.",[15,11455,11456],{},[263,11457,11458],{},"Key points:",[29,11460,11461,11467,11473,11476],{},[32,11462,11463,11464],{},"CA SDI is offset ",[263,11465,11466],{},"whether or not you've received payment",[32,11468,11469,11470,11472],{},"LTD administrator uses ",[263,11471,8081],{}," CA SDI, not actual",[32,11474,11475],{},"EDD delays mean you may get neither full SDI nor full LTD",[32,11477,11478],{},"This is the core problem this guide helps you navigate",[24,11480,11482],{"id":11481},"when-ca-sdi-offset-applies","When CA SDI Offset Applies",[15,11484,11485,11488],{},[263,11486,11487],{},"Immediately upon LTD eligibility",", the administrator will:",[441,11490,11491,11497,11500],{},[32,11492,11493,11494,11496],{},"Calculate your ",[263,11495,8081],{}," CA SDI benefit",[32,11498,11499],{},"Offset that amount from your LTD",[32,11501,11502,11503],{},"This happens even if:\n",[29,11504,11505,11508,11511,11514],{},[32,11506,11507],{},"You haven't filed for CA SDI yet",[32,11509,11510],{},"Your CA SDI claim is pending",[32,11512,11513],{},"EDD denied your claim",[32,11515,11516],{},"You never receive CA SDI",[24,11518,11520],{"id":11519},"proving-ca-sdi-status","Proving CA SDI Status",[15,11522,11523],{},"To reduce or eliminate the CA SDI offset, you must provide:",[29,11525,11526,11532,11538,11543],{},[32,11527,11528,11531],{},[263,11529,11530],{},"Denial letter"," from EDD (if denied)",[32,11533,11534,11537],{},[263,11535,11536],{},"Approval letter"," showing actual benefit amount",[32,11539,11540,11542],{},[263,11541,8615],{}," showing what you actually received",[32,11544,11545,11548],{},[263,11546,11547],{},"Exhaustion notice"," if you've used all 52 weeks",[376,11550,11552],{"title":11551,"type":425},"Documentation Is Critical",[15,11553,11554],{},"Without documentation from EDD, the administrator will assume maximum CA SDI and offset accordingly.",[3959,11556],{},[19,11558,11560],{"id":11559},"ssdi-offset-cba-section-27j15","SSDI Offset (CBA Section 27.J.15)",[24,11562,11564],{"id":11563},"the-70-rule","The 70% Rule",[15,11566,11567,11570],{},[263,11568,11569],{},"Only 70% of your SSDI is offset",", not 100%.",[15,11572,11573],{},"This is a significant benefit to pilots whose disability began after October 30, 2006.",[15,11575,11576],{},[263,11577,927],{},[413,11579,11582],{"className":11580,"code":11581,"language":418},[416],"Your SSDI benefit:    $3,000\u002Fmonth\nAmount offset:        $3,000 × 70% = $2,100\u002Fmonth\nYou effectively keep: $3,000 × 30% = $900\u002Fmonth \"free\"\n",[420,11583,11581],{"__ignoreMap":334},[24,11585,6517],{"id":6516},[15,11587,11588],{},"If you're receiving both LTD and SSDI:",[15,11590,11591],{},[263,11592,11593],{},"Without 70% rule (100% offset):",[413,11595,11598],{"className":11596,"code":11597,"language":418},[416],"Gross LTD:    $9,000\nSSDI offset:  -$3,000 (100%)\nNet benefit:  $6,000\nTotal income: $6,000 + $3,000 = $9,000\n",[420,11599,11597],{"__ignoreMap":334},[15,11601,11602],{},[263,11603,11604],{},"With 70% rule (actual):",[413,11606,11609],{"className":11607,"code":11608,"language":418},[416],"Gross LTD:    $9,000\nSSDI offset:  -$2,100 (70%)\nNet LTD:      $6,900\nTotal income: $6,900 + $3,000 = $9,900\n",[420,11610,11608],{"__ignoreMap":334},[15,11612,11613],{},[263,11614,11615],{},"You keep an extra $900\u002Fmonth.",[24,11617,11619],{"id":11618},"family-benefits-excluded","Family Benefits Excluded",[15,11621,11622],{},"If SSDI pays additional amounts for your dependents:",[29,11624,11625,11631,11636],{},[32,11626,11627,11630],{},[263,11628,11629],{},"Spouse benefits:"," NOT offset",[32,11632,11633,11630],{},[263,11634,11635],{},"Children benefits:",[32,11637,11638,11641],{},[263,11639,11640],{},"Only YOUR benefit"," is subject to the 70% offset",[15,11643,11644],{},[263,11645,927],{},[413,11647,11650],{"className":11648,"code":11649,"language":418},[416],"SSDI breakdown:\n  - Your benefit:     $3,000\u002Fmonth\n  - Spouse benefit:   $800\u002Fmonth\n  - 2 children:       $600\u002Fmonth each\n  - Total SSDI:       $5,000\u002Fmonth\n\nLTD offset calculation:\n  - Only your $3,000 is considered\n  - 70% offset = $3,000 × 0.70 = $2,100\n  - Family benefits ($2,000) = ZERO offset\n\nTotal income:\n  - LTD: $9,000 - $2,100 = $6,900\n  - SSDI: $5,000\n  - Total: $11,900\u002Fmonth\n",[420,11651,11649],{"__ignoreMap":334},[24,11653,11655],{"id":11654},"legacy-exception","Legacy Exception",[15,11657,11658],{},[263,11659,11660],{},"Disabilities before October 30, 2006:",[29,11662,11663,11666],{},[32,11664,11665],{},"100% offset applies (old rule)",[32,11667,11668],{},"No family benefit exclusion",[15,11670,11671],{},"If your disability began before this date, the entire SSDI amount is offset.",[24,11673,11675],{"id":11674},"ssdi-application-timeline","SSDI Application Timeline",[15,11677,11678],{},[263,11679,11680],{},"SSDI typically takes:",[29,11682,11683,11686,11689],{},[32,11684,11685],{},"3-6 months for initial decision",[32,11687,11688],{},"12-24 months if appeals are needed",[32,11690,11691],{},"Retroactive payments when approved",[15,11693,11694],{},[263,11695,11696],{},"During SSDI application:",[29,11698,11699,11702,11705],{},[32,11700,11701],{},"LTD will not offset SSDI (you haven't been approved yet)",[32,11703,11704],{},"Once approved, offset begins",[32,11706,11707],{},"Retroactive SSDI may require you to repay LTD overpayments",[376,11709,11711],{"title":11710,"type":574},"Coordinate SSDI Applications",[15,11712,11713],{},"Inform your LTD administrator when you apply for SSDI. This helps prevent overpayment issues later.",[3959,11715],{},[19,11717,11719],{"id":11718},"outside-income-offset-cba-section-27j13","Outside Income Offset (CBA Section 27.J.13)",[24,11721,11723],{"id":11722},"the-threshold-rule","The Threshold Rule",[15,11725,11726],{},[263,11727,11728],{},"Outside income is only offset if your total income exceeds your pre-disability total income.",[15,11730,11731,11732,11735],{},"This is a ",[263,11733,11734],{},"very favorable"," rule for pilots with side businesses.",[24,11737,11739],{"id":11738},"pre-disability-income-includes-outside-income","Pre-Disability Income Includes Outside Income",[15,11741,11742],{},"Your baseline is:",[29,11744,11745,11748,11754],{},[32,11746,11747],{},"FedEx pre-disability earnings",[32,11749,11750,11753],{},[263,11751,11752],{},"PLUS"," any outside income you had before disability",[32,11755,11756],{},"Averaged over 12 months",[24,11758,11760],{"id":11759},"the-50-excess-rule","The 50% Excess Rule",[15,11762,11763],{},"When your current total income exceeds your pre-disability total:",[29,11765,11766,11772],{},[32,11767,11768,11769],{},"Offset = ",[263,11770,11771],{},"50% of the excess",[32,11773,11774],{},"NOT 100% of your outside income",[24,11776,11778],{"id":11777},"example-1-no-offset","Example 1: No Offset",[15,11780,11781],{},[263,11782,11783],{},"Pre-disability (12-month average):",[413,11785,11788],{"className":11786,"code":11787,"language":418},[416],"FedEx income:      $100,000\u002Fyear = $8,333\u002Fmonth\nSide business:     $25,000\u002Fyear  = $2,083\u002Fmonth\nTotal baseline:    $125,000\u002Fyear = $10,416\u002Fmonth\n",[420,11789,11787],{"__ignoreMap":334},[15,11791,11792],{},[263,11793,11794],{},"While on LTD:",[413,11796,11799],{"className":11797,"code":11798,"language":418},[416],"LTD benefit:       $5,000\u002Fmonth\nSide business:     $4,000\u002Fmonth (business continues)\nCurrent total:     $9,000\u002Fmonth\n",[420,11800,11798],{"__ignoreMap":334},[15,11802,11803],{},[263,11804,11805],{},"Offset calculation:",[413,11807,11810],{"className":11808,"code":11809,"language":418},[416],"Current total:     $9,000\u002Fmonth\nBaseline:          $10,416\u002Fmonth\nExcess:            $0 (current is less than baseline)\nOffset:            $0\n",[420,11811,11809],{"__ignoreMap":334},[15,11813,11814,11817],{},[263,11815,11816],{},"Result:"," No offset. You keep full LTD and all outside income.",[24,11819,11821],{"id":11820},"example-2-with-offset","Example 2: With Offset",[15,11823,11824,11827],{},[263,11825,11826],{},"Same pre-disability baseline:"," $10,416\u002Fmonth",[15,11829,11830],{},[263,11831,11832],{},"While on LTD (business grows):",[413,11834,11837],{"className":11835,"code":11836,"language":418},[416],"LTD benefit:       $5,000\u002Fmonth\nSide business:     $7,000\u002Fmonth (business grew)\nCurrent total:     $12,000\u002Fmonth\n",[420,11838,11836],{"__ignoreMap":334},[15,11840,11841],{},[263,11842,11805],{},[413,11844,11847],{"className":11845,"code":11846,"language":418},[416],"Current total:     $12,000\u002Fmonth\nBaseline:          $10,416\u002Fmonth\nExcess:            $1,584\u002Fmonth\nOffset:            $1,584 × 50% = $792\u002Fmonth\n",[420,11848,11846],{"__ignoreMap":334},[15,11850,11851],{},[263,11852,11853],{},"Net LTD payment:",[413,11855,11858],{"className":11856,"code":11857,"language":418},[416],"Gross LTD:         $5,000\nOutside offset:    -$792\nNet LTD:           $4,208\n",[420,11859,11857],{"__ignoreMap":334},[15,11861,11862],{},[263,11863,11864],{},"Total income:",[413,11866,11869],{"className":11867,"code":11868,"language":418},[416],"Net LTD:           $4,208\nSide business:     $7,000\nTotal:             $11,208\u002Fmonth\n",[420,11870,11868],{"__ignoreMap":334},[24,11872,1218],{"id":1217},[441,11874,11875,11881,11887,11893],{},[32,11876,11877,11880],{},[263,11878,11879],{},"Baseline includes your outside income"," - Don't abandon your side business thinking it will hurt you",[32,11882,11883,11886],{},[263,11884,11885],{},"Only excess is offset"," - Not your full outside income",[32,11888,11889,11892],{},[263,11890,11891],{},"50% rate"," - You keep half of any excess",[32,11894,11895,11898],{},[263,11896,11897],{},"Encourages productivity"," - System rewards working when able",[24,11900,11902],{"id":11901},"what-counts-as-outside-income","What Counts as Outside Income",[15,11904,11905],{},[263,11906,11907],{},"Included:",[29,11909,11910,11913,11916,11919,11922],{},[32,11911,11912],{},"Self-employment income",[32,11914,11915],{},"Consulting fees",[32,11917,11918],{},"Business profits",[32,11920,11921],{},"Rental income (active involvement)",[32,11923,11924],{},"Part-time employment",[15,11926,11927],{},[263,11928,11929],{},"Typically excluded:",[29,11931,11932,11935,11938,11941,11944],{},[32,11933,11934],{},"Passive investment income",[32,11936,11937],{},"Capital gains",[32,11939,11940],{},"Rental income (passive)",[32,11942,11943],{},"Inheritance",[32,11945,11946],{},"VA disability (separate rules)",[24,11948,11950],{"id":11949},"documentation-requirements","Documentation Requirements",[15,11952,11953],{},"You must report to LTD administrator:",[29,11955,11956,11959,11962,11965],{},[32,11957,11958],{},"All sources of outside income",[32,11960,11961],{},"Monthly or annual amounts",[32,11963,11964],{},"Business tax returns if self-employed",[32,11966,11967],{},"1099 forms for contract work",[15,11969,11970],{},[263,11971,11972],{},"Failure to report:",[29,11974,11975,11978,11981],{},[32,11976,11977],{},"May result in benefit suspension",[32,11979,11980],{},"May require repayment of overpayments",[32,11982,11983],{},"May be considered fraud",[3959,11985],{},[19,11987,11989],{"id":11988},"combined-offset-example","Combined Offset Example",[24,11991,11993],{"id":11992},"high-earning-captain-with-multiple-income-sources","High-Earning Captain with Multiple Income Sources",[15,11995,11996],{},[263,11997,11998],{},"Pre-disability:",[413,12000,12003],{"className":12001,"code":12002,"language":418},[416],"FedEx income:      $300,000\u002Fyear = $25,000\u002Fmonth\nReal estate:       $36,000\u002Fyear  = $3,000\u002Fmonth\nTotal baseline:    $28,000\u002Fmonth\n",[420,12004,12002],{"__ignoreMap":334},[15,12006,12007],{},[263,12008,12009],{},"Month 10 of disability:",[413,12011,12014],{"className":12012,"code":12013,"language":418},[416],"Gross LTD:         $16,800\u002Fmonth (60% of $28,000)\nCA SDI:            $7,642\u002Fmonth (expected)\nSSDI:              Not yet approved\nReal estate:       $3,000\u002Fmonth (continues)\n",[420,12015,12013],{"__ignoreMap":334},[15,12017,12018],{},[263,12019,12020],{},"Offset calculations:",[441,12022,12023,12034,12045,12056],{},[32,12024,12025,12028],{},[263,12026,12027],{},"CA SDI offset:",[413,12029,12032],{"className":12030,"code":12031,"language":418},[416],"Full offset: -$7,642\n",[420,12033,12031],{"__ignoreMap":334},[32,12035,12036,12039],{},[263,12037,12038],{},"Outside income offset:",[413,12040,12043],{"className":12041,"code":12042,"language":418},[416],"Current LTD + real estate: $16,800 + $3,000 = $19,800\nBaseline: $28,000\nExcess: $0 (current \u003C baseline)\nOffset: $0\n",[420,12044,12042],{"__ignoreMap":334},[32,12046,12047,12050],{},[263,12048,12049],{},"Net LTD:",[413,12051,12054],{"className":12052,"code":12053,"language":418},[416],"Gross LTD:           $16,800\nCA SDI offset:       -$7,642\nOutside offset:      -$0\nNet LTD:             $9,158\n",[420,12055,12053],{"__ignoreMap":334},[32,12057,12058,12060],{},[263,12059,11864],{},[413,12061,12064],{"className":12062,"code":12063,"language":418},[416],"Net LTD:             $9,158\nReal estate:         $3,000\nTotal:               $12,158\u002Fmonth\n",[420,12065,12063],{"__ignoreMap":334},[15,12067,12068],{},[263,12069,12070],{},"Later (Month 16), SSDI approved retroactively:",[413,12072,12075],{"className":12073,"code":12074,"language":418},[416],"SSDI approved:       $3,500\u002Fmonth (pilot portion)\nSSDI family:         $1,200\u002Fmonth (spouse + children)\n\nNew offset calculation:\n\nCA SDI offset:       -$7,642 (if still within 52 weeks)\nSSDI offset:         -$2,450 ($3,500 × 70%)\nOutside offset:      -$0 (still below baseline)\n\nNet LTD:             $16,800 - $7,642 - $2,450 = $6,708\n\nTotal income:\n  Net LTD:           $6,708\n  SSDI (total):      $4,700 ($3,500 + $1,200)\n  Real estate:       $3,000\n  Total:             $14,408\u002Fmonth\n",[420,12076,12074],{"__ignoreMap":334},[3959,12078],{},[19,12080,12082],{"id":12081},"strategies-for-managing-offsets","Strategies for Managing Offsets",[24,12084,12086],{"id":12085},"_1-file-ca-sdi-promptly","1. File CA SDI Promptly",[29,12088,12089,12092,12095],{},[32,12090,12091],{},"Minimizes the \"neither SDI nor LTD\" gap",[32,12093,12094],{},"Documents your actual benefit amount",[32,12096,12097],{},"Provides proof for offset calculation",[24,12099,12101],{"id":12100},"_2-apply-for-ssdi-early","2. Apply for SSDI Early",[29,12103,12104,12107,12110],{},[32,12105,12106],{},"Long approval process",[32,12108,12109],{},"70% offset is favorable",[32,12111,12112],{},"Family benefits not offset",[24,12114,12116],{"id":12115},"_3-maintain-outside-income-records","3. Maintain Outside Income Records",[29,12118,12119,12122,12125],{},[32,12120,12121],{},"Document pre-disability income carefully",[32,12123,12124],{},"Keep 12 months of records before disability",[32,12126,12127],{},"Report all income honestly to avoid problems",[24,12129,12131],{"id":12130},"_4-understand-the-timeline","4. Understand the Timeline",[413,12133,12136],{"className":12134,"code":12135,"language":418},[416],"Months 1-6:    CA SDI only (if approved), no LTD yet\nMonth 7-12:    LTD begins, CA SDI continues, full CA SDI offset\nMonth 13+:     CA SDI exhausted (52 weeks), only LTD\n               SSDI approved, 70% SSDI offset begins\nMonth 25+:     LTD drops to 50%, lower gross benefit\n",[420,12137,12135],{"__ignoreMap":334},[24,12139,12141],{"id":12140},"_5-challenge-incorrect-offsets","5. Challenge Incorrect Offsets",[15,12143,12144],{},"If you believe an offset is calculated incorrectly:",[441,12146,12147,12150,12153,12156],{},[32,12148,12149],{},"Request detailed calculation in writing",[32,12151,12152],{},"Provide documentation supporting your position",[32,12154,12155],{},"Reference specific CBA sections",[32,12157,12158],{},"Use PBRB process if needed",[3959,12160],{},[19,12162,4824],{"id":4823},[24,12164,12166],{"id":12165},"q-what-if-ca-sdi-denies-my-claim","Q: What if CA SDI denies my claim?",[15,12168,12169],{},"Provide the denial letter to your LTD administrator. They should remove or reduce the CA SDI offset.",[24,12171,12173],{"id":12172},"q-what-if-i-receive-less-ca-sdi-than-expected","Q: What if I receive less CA SDI than expected?",[15,12175,12176,12177,12180],{},"Provide your approval letter and payment history. The offset should be based on ",[263,12178,12179],{},"actual"," CA SDI received, not estimated maximum.",[24,12182,12184],{"id":12183},"q-can-i-work-part-time-while-on-ltd","Q: Can I work part-time while on LTD?",[15,12186,12187],{},"Yes, but:",[29,12189,12190,12193,12196],{},[32,12191,12192],{},"Must still meet disability definition",[32,12194,12195],{},"Income affects outside income offset",[32,12197,12198],{},"Coordinate with both EDD and LTD administrator",[24,12200,12202],{"id":12201},"q-what-about-va-disability-payments","Q: What about VA disability payments?",[15,12204,12205,12208],{},[263,12206,12207],{},"VA disability is typically NOT offset"," from LTD benefits because:",[29,12210,12211,12214,12217],{},[32,12212,12213],{},"VA benefits are compensation for service-connected disabilities",[32,12215,12216],{},"They are not \"disability income\" in the traditional sense",[32,12218,12219],{},"Most LTD plans exclude VA benefits from offsets",[15,12221,12222],{},[263,12223,12224],{},"However:",[29,12226,12227,12230,12233,12236],{},[32,12228,12229],{},"Verify with your specific LTD administrator",[32,12231,12232],{},"Review your actual plan documents",[32,12234,12235],{},"VA benefits may affect SSDI eligibility\u002Famount",[32,12237,12238],{},"Some plans have specific VA offset provisions",[15,12240,12241,12244],{},[263,12242,12243],{},"Action:"," Contact your LTD administrator at the start of your claim to confirm VA benefit treatment.",[3959,12246],{},[19,12248,806],{"id":805},[29,12250,12251,12259,12267],{},[32,12252,12253,7184,12256],{},[263,12254,12255],{},"Understand cooperation requirements",[35,12257,12258],{"href":8246},"What's required to maintain benefits",[32,12260,12261,7184,12264],{},[263,12262,12263],{},"Learn about duration limits",[35,12265,12266],{"href":8301},"How long benefits last",[32,12268,12269,7184,12272],{},[263,12270,12271],{},"Calculate your net benefit",[35,12273,12274],{"href":267},"Use the calculator",[376,12276,12278],{"title":12277,"type":425},"Document Everything",[15,12279,12280],{},"Keep detailed records of all income sources and communications with benefit administrators. Accurate documentation prevents offset disputes and overpayment issues.",{"title":334,"searchDepth":335,"depth":335,"links":12282},[12283,12284,12290,12297,12307,12310,12317,12323],{"id":11401,"depth":335,"text":11402},{"id":11422,"depth":335,"text":11423,"children":12285},[12286,12287,12288,12289],{"id":11426,"depth":340,"text":11427},{"id":11446,"depth":340,"text":11447},{"id":11481,"depth":340,"text":11482},{"id":11519,"depth":340,"text":11520},{"id":11559,"depth":335,"text":11560,"children":12291},[12292,12293,12294,12295,12296],{"id":11563,"depth":340,"text":11564},{"id":6516,"depth":340,"text":6517},{"id":11618,"depth":340,"text":11619},{"id":11654,"depth":340,"text":11655},{"id":11674,"depth":340,"text":11675},{"id":11718,"depth":335,"text":11719,"children":12298},[12299,12300,12301,12302,12303,12304,12305,12306],{"id":11722,"depth":340,"text":11723},{"id":11738,"depth":340,"text":11739},{"id":11759,"depth":340,"text":11760},{"id":11777,"depth":340,"text":11778},{"id":11820,"depth":340,"text":11821},{"id":1217,"depth":340,"text":1218},{"id":11901,"depth":340,"text":11902},{"id":11949,"depth":340,"text":11950},{"id":11988,"depth":335,"text":11989,"children":12308},[12309],{"id":11992,"depth":340,"text":11993},{"id":12081,"depth":335,"text":12082,"children":12311},[12312,12313,12314,12315,12316],{"id":12085,"depth":340,"text":12086},{"id":12100,"depth":340,"text":12101},{"id":12115,"depth":340,"text":12116},{"id":12130,"depth":340,"text":12131},{"id":12140,"depth":340,"text":12141},{"id":4823,"depth":335,"text":4824,"children":12318},[12319,12320,12321,12322],{"id":12165,"depth":340,"text":12166},{"id":12172,"depth":340,"text":12173},{"id":12183,"depth":340,"text":12184},{"id":12201,"depth":340,"text":12202},{"id":805,"depth":335,"text":806},"Understanding how CA SDI, SSDI, and outside income affect your LTD benefits","i-lucide-minus-circle",{},{"title":11390,"description":12324},"guide\u002Fhartford\u002Foffsets","oh6AS2ALSAc-2UoSmnUgeNtb4LGPqJbnaGq0Fg2D4hA",{"id":12331,"title":222,"body":12332,"description":13005,"extension":350,"icon":13006,"lastUpdated":850,"meta":13007,"navigation":354,"order":340,"path":221,"seo":13008,"stem":13009,"__hash__":13010},"guide\u002Fguide\u002Fin-person\u002Fwhat-to-bring.md",{"type":8,"value":12333,"toc":12968},[12334,12338,12341,12345,12349,12354,12391,12395,12422,12426,12459,12463,12467,12493,12497,12503,12508,12535,12539,12566,12570,12573,12579,12583,12587,12590,12629,12633,12654,12658,12662,12665,12698,12702,12706,12748,12752,12782,12786,12812,12816,12848,12852,12856,12867,12871,12882,12886,12889,12900,12904,12908,12922,12926,12937,12941,12944,12950,12952],[11,12335,12337],{"id":12336},"what-to-bring-to-the-edd-office","What to Bring to the EDD Office",[15,12339,12340],{},"A successful in-person visit requires thorough preparation. Here's everything you need.",[19,12342,12344],{"id":12343},"required-items","Required Items",[24,12346,12348],{"id":12347},"identification","Identification",[15,12350,12351],{},[263,12352,12353],{},"Must Have:",[29,12355,12357,12377],{"className":12356},[688],[32,12358,12360,12362,12363],{"className":12359},[692],[694,12361],{"disabled":354,"type":696}," Valid government-issued photo ID",[29,12364,12365,12368,12371,12374],{},[32,12366,12367],{},"California driver's license, OR",[32,12369,12370],{},"California state ID, OR",[32,12372,12373],{},"US Passport, OR",[32,12375,12376],{},"Other government-issued ID",[32,12378,12380,12382,12383],{"className":12379},[692],[694,12381],{"disabled":354,"type":696}," Social Security Number",[29,12384,12385,12388],{},[32,12386,12387],{},"Card not required, but know your full 9-digit number",[32,12389,12390],{},"Some offices may ask to see the card",[24,12392,12394],{"id":12393},"claim-information","Claim Information",[29,12396,12398,12404,12410,12416],{"className":12397},[688],[32,12399,12401,12403],{"className":12400},[692],[694,12402],{"disabled":354,"type":696}," Claim confirmation number",[32,12405,12407,12409],{"className":12406},[692],[694,12408],{"disabled":354,"type":696}," Disability start date",[32,12411,12413,12415],{"className":12412},[692],[694,12414],{"disabled":354,"type":696}," Last day worked date",[32,12417,12419,12421],{"className":12418},[692],[694,12420],{"disabled":354,"type":696}," Any correspondence from EDD",[24,12423,12425],{"id":12424},"medical-information","Medical Information",[29,12427,12429,12435,12441,12447,12453],{"className":12428},[688],[32,12430,12432,12434],{"className":12431},[692],[694,12433],{"disabled":354,"type":696}," Treating physician's full name",[32,12436,12438,12440],{"className":12437},[692],[694,12439],{"disabled":354,"type":696}," Doctor's phone number",[32,12442,12444,12446],{"className":12443},[692],[694,12445],{"disabled":354,"type":696}," Doctor's address",[32,12448,12450,12452],{"className":12449},[692],[694,12451],{"disabled":354,"type":696}," Doctor's medical license number (verify at mbc.ca.gov)",[32,12454,12456,12458],{"className":12455},[692],[694,12457],{"disabled":354,"type":696}," Brief description of your condition",[19,12460,12462],{"id":12461},"recommended-items","Recommended Items",[24,12464,12466],{"id":12465},"financial-documents","Financial Documents",[29,12468,12470,12475,12481,12487],{"className":12469},[688],[32,12471,12473,6248],{"className":12472},[692],[694,12474],{"disabled":354,"type":696},[32,12476,12478,12480],{"className":12477},[692],[694,12479],{"disabled":354,"type":696}," Most recent W-2",[32,12482,12484,12486],{"className":12483},[692],[694,12485],{"disabled":354,"type":696}," Any correspondence regarding pay",[32,12488,12490,12492],{"className":12489},[692],[694,12491],{"disabled":354,"type":696}," Bank account information (if setting up direct deposit)",[24,12494,12496],{"id":12495},"pilot-specific-documents","Pilot-Specific Documents",[376,12498,12500],{"title":12499,"type":2303},"Pilot Pay Explanation",[15,12501,12502],{},"EDD staff may not understand airline pilot compensation. Bringing a written explanation can save time and confusion.",[15,12504,12505],{},[263,12506,12507],{},"Recommended Pilot Documents:",[29,12509,12511,12517,12523,12529],{"className":12510},[688],[32,12512,12514,12516],{"className":12513},[692],[694,12515],{"disabled":354,"type":696}," Written explanation of pilot pay structure (template below)",[32,12518,12520,12522],{"className":12519},[692],[694,12521],{"disabled":354,"type":696}," Sample pay stub with components highlighted",[32,12524,12526,12528],{"className":12525},[692],[694,12527],{"disabled":354,"type":696}," Summary of recent earnings by month",[32,12530,12532,12534],{"className":12531},[692],[694,12533],{"disabled":354,"type":696}," Explanation of sick bank usage if applicable",[24,12536,12538],{"id":12537},"supporting-documents","Supporting Documents",[29,12540,12542,12548,12554,12560],{"className":12541},[688],[32,12543,12545,12547],{"className":12544},[692],[694,12546],{"disabled":354,"type":696}," Any letters from EDD",[32,12549,12551,12553],{"className":12550},[692],[694,12552],{"disabled":354,"type":696}," Previous denial notices (if appealing)",[32,12555,12557,12559],{"className":12556},[692],[694,12558],{"disabled":354,"type":696}," Doctor's written statement (if available)",[32,12561,12563,12565],{"className":12562},[692],[694,12564],{"disabled":354,"type":696}," List of questions you need answered",[19,12567,12569],{"id":12568},"pilot-pay-explanation-template","Pilot Pay Explanation Template",[15,12571,12572],{},"Bring a printed copy of this (customized with your details):",[413,12574,12577],{"className":12575,"code":12576,"language":418},[416],"AIRLINE PILOT PAY STRUCTURE - FOR EDD REFERENCE\n================================================\n\nI am an airline pilot employed by Federal Express (FedEx).\nMy pay structure differs from traditional hourly or salaried\nemployees:\n\nPAY COMPONENTS:\n1. FLIGHT PAY - Primary compensation based on hours flown\n   - Varies monthly based on schedule\n   - Not a fixed hourly wage\n\n2. PER DIEM - Meal\u002Fexpense allowance for travel\n   - Paid for time away from base\n   - Calculated hourly when on duty away from home\n\n3. OVERRIDE PAY - Additional pay for certain positions\u002Fduties\n\nIMPORTANT NOTES FOR EDD:\n- As a pilot, I CANNOT perform \"light duty\" or modified work\n- ANY medical restriction prevents me from flying\n- My occupation is specifically \"Airline Pilot - Federal Express\"\n- Semi-monthly pay periods (2 per month)\n\nRECENT MONTHLY EARNINGS:\n[List your last 3-4 months of gross earnings]\n\nIf you have questions about my pay records,\nplease contact me at [your phone number].\n\nName: _______________\nDate: _______________\n",[420,12578,12576],{"__ignoreMap":334},[19,12580,12582],{"id":12581},"comfort-items","Comfort Items",[24,12584,12586],{"id":12585},"for-the-long-wait","For the Long Wait",[15,12588,12589],{},"You'll likely wait 4-6+ hours. Bring:",[29,12591,12593,12599,12605,12611,12617,12623],{"className":12592},[688],[32,12594,12596,12598],{"className":12595},[692],[694,12597],{"disabled":354,"type":696}," Fully charged phone (and charger\u002Fpower bank)",[32,12600,12602,12604],{"className":12601},[692],[694,12603],{"disabled":354,"type":696}," Book, tablet, or entertainment",[32,12606,12608,12610],{"className":12607},[692],[694,12609],{"disabled":354,"type":696}," Snacks and water",[32,12612,12614,12616],{"className":12613},[692],[694,12615],{"disabled":354,"type":696}," Any medications you need",[32,12618,12620,12622],{"className":12619},[692],[694,12621],{"disabled":354,"type":696}," Something to sit on if lines are outside",[32,12624,12626,12628],{"className":12625},[692],[694,12627],{"disabled":354,"type":696}," Weather-appropriate clothing (for outdoor lines)",[24,12630,12632],{"id":12631},"practical-needs","Practical Needs",[29,12634,12636,12642,12648],{"className":12635},[688],[32,12637,12639,12641],{"className":12638},[692],[694,12640],{"disabled":354,"type":696}," Notepad and pen",[32,12643,12645,12647],{"className":12644},[692],[694,12646],{"disabled":354,"type":696}," Folder to keep documents organized",[32,12649,12651,12653],{"className":12650},[692],[694,12652],{"disabled":354,"type":696}," Reading glasses if needed",[19,12655,12657],{"id":12656},"digital-backups","Digital Backups",[24,12659,12661],{"id":12660},"on-your-phone","On Your Phone",[15,12663,12664],{},"Have these ready to show or reference:",[29,12666,12668,12674,12680,12686,12692],{"className":12667},[688],[32,12669,12671,12673],{"className":12670},[692],[694,12672],{"disabled":354,"type":696}," Photos of key documents",[32,12675,12677,12679],{"className":12676},[692],[694,12678],{"disabled":354,"type":696}," EDD online portal login",[32,12681,12683,12685],{"className":12682},[692],[694,12684],{"disabled":354,"type":696}," Important phone numbers",[32,12687,12689,12691],{"className":12688},[692],[694,12690],{"disabled":354,"type":696}," Notes about your situation",[32,12693,12695,12697],{"className":12694},[692],[694,12696],{"disabled":354,"type":696}," This guide (for reference)",[19,12699,12701],{"id":12700},"checklist-by-purpose","Checklist by Purpose",[24,12703,12705],{"id":12704},"if-filing-a-new-claim","If Filing a New Claim:",[29,12707,12709,12715,12720,12725,12730,12736,12742],{"className":12708},[688],[32,12710,12712,12714],{"className":12711},[692],[694,12713],{"disabled":354,"type":696}," Photo ID",[32,12716,12718,12382],{"className":12717},[692],[694,12719],{"disabled":354,"type":696},[32,12721,12723,703],{"className":12722},[692],[694,12724],{"disabled":354,"type":696},[32,12726,12728,12415],{"className":12727},[692],[694,12729],{"disabled":354,"type":696},[32,12731,12733,12735],{"className":12732},[692],[694,12734],{"disabled":354,"type":696}," FedEx employment information",[32,12737,12739,12741],{"className":12738},[692],[694,12740],{"disabled":354,"type":696}," Bank account info for direct deposit",[32,12743,12745,12747],{"className":12744},[692],[694,12746],{"disabled":354,"type":696}," Recent pay stubs\u002FW-2",[24,12749,12751],{"id":12750},"if-following-up-on-existing-claim","If Following Up on Existing Claim:",[29,12753,12755,12760,12765,12771,12776],{"className":12754},[688],[32,12756,12758,12714],{"className":12757},[692],[694,12759],{"disabled":354,"type":696},[32,12761,12763,12403],{"className":12762},[692],[694,12764],{"disabled":354,"type":696},[32,12766,12768,12770],{"className":12767},[692],[694,12769],{"disabled":354,"type":696}," List of specific issues\u002Fquestions",[32,12772,12774,12421],{"className":12773},[692],[694,12775],{"disabled":354,"type":696},[32,12777,12779,12781],{"className":12778},[692],[694,12780],{"disabled":354,"type":696}," Any documents they've requested",[24,12783,12785],{"id":12784},"if-responding-to-document-request","If Responding to Document Request:",[29,12787,12789,12794,12800,12806],{"className":12788},[688],[32,12790,12792,12714],{"className":12791},[692],[694,12793],{"disabled":354,"type":696},[32,12795,12797,12799],{"className":12796},[692],[694,12798],{"disabled":354,"type":696}," The EDD letter requesting documents",[32,12801,12803,12805],{"className":12802},[692],[694,12804],{"disabled":354,"type":696}," All requested documents (copies + originals)",[32,12807,12809,12811],{"className":12808},[692],[694,12810],{"disabled":354,"type":696}," Cover sheet listing what you're providing",[24,12813,12815],{"id":12814},"if-appealing-a-denial","If Appealing a Denial:",[29,12817,12819,12824,12830,12836,12842],{"className":12818},[688],[32,12820,12822,12714],{"className":12821},[692],[694,12823],{"disabled":354,"type":696},[32,12825,12827,12829],{"className":12826},[692],[694,12828],{"disabled":354,"type":696}," Original denial letter",[32,12831,12833,12835],{"className":12832},[692],[694,12834],{"disabled":354,"type":696}," Your written appeal (if not already submitted)",[32,12837,12839,12841],{"className":12838},[692],[694,12840],{"disabled":354,"type":696}," All supporting documentation",[32,12843,12845,12847],{"className":12844},[692],[694,12846],{"disabled":354,"type":696}," Medical records\u002Fdoctor statements",[19,12849,12851],{"id":12850},"document-preparation-tips","Document Preparation Tips",[24,12853,12855],{"id":12854},"make-copies","Make Copies",[29,12857,12858,12861,12864],{},[32,12859,12860],{},"Bring originals AND copies",[32,12862,12863],{},"Never give away your only copy of anything",[32,12865,12866],{},"Ask for receipts when submitting documents",[24,12868,12870],{"id":12869},"organize-everything","Organize Everything",[29,12872,12873,12876,12879],{},[32,12874,12875],{},"Use a folder or binder",[32,12877,12878],{},"Label sections clearly",[32,12880,12881],{},"Put most important items on top",[24,12883,12885],{"id":12884},"highlight-key-information","Highlight Key Information",[15,12887,12888],{},"On pay stubs and complex documents:",[29,12890,12891,12894,12897],{},[32,12892,12893],{},"Highlight your gross earnings",[32,12895,12896],{},"Mark dates clearly",[32,12898,12899],{},"Note any items you need to explain",[19,12901,12903],{"id":12902},"what-not-to-bring","What NOT to Bring",[24,12905,12907],{"id":12906},"leave-these-at-home","Leave These at Home:",[29,12909,12910,12913,12916,12919],{},[32,12911,12912],{},"❌ Original birth certificate (copy is fine if needed)",[32,12914,12915],{},"❌ Medical records you weren't asked to provide",[32,12917,12918],{},"❌ Every document you've ever received",[32,12920,12921],{},"❌ Anything valuable that could be lost",[24,12923,12925],{"id":12924},"dont-bring-frustration","Don't Bring Frustration",[29,12927,12928,12931,12934],{},[32,12929,12930],{},"Representatives can't control wait times",[32,12932,12933],{},"Being polite gets better results",[32,12935,12936],{},"Prepared = less stressful for everyone",[19,12938,12940],{"id":12939},"quick-reference-card","Quick Reference Card",[15,12942,12943],{},"Print this summary to keep with you:",[413,12945,12948],{"className":12946,"code":12947,"language":418},[416],"EDD VISIT QUICK REFERENCE\n=========================\nMy Info:\n- Claim #: _______________\n- SSN: ___-__-____\n- Last Day Worked: ________\n- Disability Start: ________\n\nDoctor:\n- Name: _______________\n- Phone: _______________\n- License #: _______________\n\nQuestions to Ask:\n1. _______________\n2. _______________\n3. _______________\n\nNotes:\n_________________________\n_________________________\n",[420,12949,12947],{"__ignoreMap":334},[19,12951,806],{"id":805},[29,12953,12954,12959,12963],{},[32,12955,12956,12958],{},[35,12957,208],{"href":207}," - Deciding if you need to go",[32,12960,12961,216],{},[35,12962,2017],{"href":214},[32,12964,12965,12967],{},[35,12966,295],{"href":294}," - Office locations and phone numbers",{"title":334,"searchDepth":335,"depth":335,"links":12969},[12970,12975,12980,12981,12985,12988,12994,12999,13003,13004],{"id":12343,"depth":335,"text":12344,"children":12971},[12972,12973,12974],{"id":12347,"depth":340,"text":12348},{"id":12393,"depth":340,"text":12394},{"id":12424,"depth":340,"text":12425},{"id":12461,"depth":335,"text":12462,"children":12976},[12977,12978,12979],{"id":12465,"depth":340,"text":12466},{"id":12495,"depth":340,"text":12496},{"id":12537,"depth":340,"text":12538},{"id":12568,"depth":335,"text":12569},{"id":12581,"depth":335,"text":12582,"children":12982},[12983,12984],{"id":12585,"depth":340,"text":12586},{"id":12631,"depth":340,"text":12632},{"id":12656,"depth":335,"text":12657,"children":12986},[12987],{"id":12660,"depth":340,"text":12661},{"id":12700,"depth":335,"text":12701,"children":12989},[12990,12991,12992,12993],{"id":12704,"depth":340,"text":12705},{"id":12750,"depth":340,"text":12751},{"id":12784,"depth":340,"text":12785},{"id":12814,"depth":340,"text":12815},{"id":12850,"depth":335,"text":12851,"children":12995},[12996,12997,12998],{"id":12854,"depth":340,"text":12855},{"id":12869,"depth":340,"text":12870},{"id":12884,"depth":340,"text":12885},{"id":12902,"depth":335,"text":12903,"children":13000},[13001,13002],{"id":12906,"depth":340,"text":12907},{"id":12924,"depth":340,"text":12925},{"id":12939,"depth":335,"text":12940},{"id":805,"depth":335,"text":806},"Complete checklist for your EDD office visit","i-lucide-clipboard-list",{},{"title":222,"description":13005},"guide\u002Fin-person\u002Fwhat-to-bring","MFQefKzQS9e5dxdsn4ogCgPBxqFjtGmcfrNVzNiNZRk",{"id":13012,"title":52,"body":13013,"description":13516,"extension":350,"icon":13517,"lastUpdated":850,"meta":13518,"navigation":354,"order":340,"path":51,"seo":13519,"stem":13520,"__hash__":13521},"guide\u002Fguide\u002Foverview\u002Foffset-problem.md",{"type":8,"value":13014,"toc":13490},[13015,13018,13021,13025,13028,13037,13043,13047,13051,13054,13071,13075,13078,13101,13105,13153,13156,13160,13164,13167,13171,13174,13185,13189,13192,13203,13207,13276,13282,13286,13290,13301,13305,13319,13323,13327,13330,13354,13358,13378,13382,13385,13408,13412,13415,13426,13430,13433,13447,13470,13472],[11,13016,52],{"id":13017},"the-offset-problem",[15,13019,13020],{},"This is the core issue that this guide exists to help you navigate. Understanding the offset problem is essential for any California-based FedEx pilot who may need disability benefits.",[19,13022,13024],{"id":13023},"what-is-the-offset-problem","What Is the Offset Problem?",[15,13026,13027],{},"When you become disabled and transition to Long-Term Disability (LTD) benefits, The Hartford reduces your LTD payment by the amount they expect you to receive from California State Disability Insurance (SDI).",[15,13029,13030,13033,13034],{},[263,13031,13032],{},"The problem:"," This reduction happens ",[263,13035,13036],{},"regardless of whether you've actually received your SDI payment.",[376,13038,13040],{"title":13039,"type":379},"The Real-World Impact",[15,13041,13042],{},"You may be receiving LTD payments that are reduced by $5,000-7,000+ per month for SDI you haven't actually received yet. This can continue for weeks or months while EDD processes your claim.",[19,13044,13046],{"id":13045},"how-it-works","How It Works",[24,13048,13050],{"id":13049},"the-theory","The Theory",[15,13052,13053],{},"In theory, the offset is supposed to work like this:",[441,13055,13056,13059,13062,13065],{},[32,13057,13058],{},"You become disabled and file for both SDI and LTD",[32,13060,13061],{},"You receive SDI weekly payments (~$1,765\u002Fweek max)",[32,13063,13064],{},"Hartford calculates your LTD and reduces it by the SDI amount",[32,13066,13067,13070],{},[263,13068,13069],{},"Net result:"," You receive roughly the same total income, just from two sources",[24,13072,13074],{"id":13073},"the-reality","The Reality",[15,13076,13077],{},"In reality, here's what often happens:",[441,13079,13080,13083,13086,13093,13096],{},[32,13081,13082],{},"You become disabled and file for SDI and LTD",[32,13084,13085],{},"EDD takes weeks or months to process your SDI claim",[32,13087,13088,13089,13092],{},"Hartford starts paying LTD ",[263,13090,13091],{},"already reduced"," by expected SDI",[32,13094,13095],{},"You receive no SDI but your LTD is already reduced",[32,13097,13098,13100],{},[263,13099,13069],{}," You receive significantly less income during the delay",[24,13102,13104],{"id":13103},"example-scenario","Example Scenario",[490,13106,13107,13117],{},[493,13108,13109],{},[496,13110,13111,13114],{},[499,13112,13113],{},"Without Delay",[499,13115,13116],{},"With 2-Month EDD Delay",[506,13118,13119,13126,13133,13141],{},[496,13120,13121,13124],{},[511,13122,13123],{},"LTD: $17,000\u002Fmo",[511,13125,13123],{},[496,13127,13128,13131],{},[511,13129,13130],{},"Offset: -$7,000",[511,13132,13130],{},[496,13134,13135,13138],{},[511,13136,13137],{},"SDI: +$7,000",[511,13139,13140],{},"SDI: $0 (delayed)",[496,13142,13143,13148],{},[511,13144,13145],{},[263,13146,13147],{},"Net: $17,000\u002Fmo",[511,13149,13150],{},[263,13151,13152],{},"Net: $10,000\u002Fmo",[15,13154,13155],{},"In this example, you're effectively losing $7,000\u002Fmonth during the EDD processing delay—potentially $14,000-21,000 or more over a typical 2-3 month delay.",[19,13157,13159],{"id":13158},"why-does-hartford-do-this","Why Does Hartford Do This?",[24,13161,13163],{"id":13162},"legal-basis","Legal Basis",[15,13165,13166],{},"Hartford's plan documents likely specify that benefits are offset by amounts the claimant is \"entitled to receive\" or \"expected to receive,\" not just amounts actually received.",[24,13168,13170],{"id":13169},"their-perspective","Their Perspective",[15,13172,13173],{},"From Hartford's perspective:",[29,13175,13176,13179,13182],{},[32,13177,13178],{},"California requires SDI coverage, so you should be filing for it",[32,13180,13181],{},"The SDI amount is calculable based on your wages",[32,13183,13184],{},"They want to avoid paying twice for the same disability period",[24,13186,13188],{"id":13187},"the-unfairness","The Unfairness",[15,13190,13191],{},"From your perspective:",[29,13193,13194,13197,13200],{},[32,13195,13196],{},"You're paying SDI taxes (1.3% of ALL income, uncapped since 2024)",[32,13198,13199],{},"You're doing the bureaucratic work of filing a claim",[32,13201,13202],{},"But if there are delays, YOU bear the financial burden, not Hartford",[19,13204,13206],{"id":13205},"comparison-california-vs-other-bases","Comparison: California vs. Other Bases",[490,13208,13209,13221],{},[493,13210,13211],{},[496,13212,13213,13215,13218],{},[499,13214,590],{},[499,13216,13217],{},"CA-Based Pilot",[499,13219,13220],{},"Memphis-Based Pilot",[506,13222,13223,13234,13245,13254,13265],{},[496,13224,13225,13228,13231],{},[511,13226,13227],{},"SDI Taxes Paid",[511,13229,13230],{},"~$5,000-8,000\u002Fyear",[511,13232,13233],{},"$0",[496,13235,13236,13239,13242],{},[511,13237,13238],{},"LTD Offset",[511,13240,13241],{},"Yes (for SDI)",[511,13243,13244],{},"No SDI offset",[496,13246,13247,13250,13252],{},[511,13248,13249],{},"Bureaucratic Burden",[511,13251,5869],{},[511,13253,5908],{},[496,13255,13256,13259,13262],{},[511,13257,13258],{},"Net Benefit",[511,13260,13261],{},"Same (if no delays)",[511,13263,13264],{},"Same",[496,13266,13267,13270,13273],{},[511,13268,13269],{},"Risk if Delays",[511,13271,13272],{},"Significant income reduction",[511,13274,13275],{},"No SDI-related risk",[376,13277,13279],{"title":13278,"type":574},"The Inequity",[15,13280,13281],{},"California-based pilots pay thousands in additional taxes for a benefit that, when functioning properly, provides zero additional net income. And when there are delays, CA pilots suffer reduced income that pilots at other bases never experience.",[19,13283,13285],{"id":13284},"historical-context","Historical Context",[24,13287,13289],{"id":13288},"before-2024","Before 2024",[29,13291,13292,13295,13298],{},[32,13293,13294],{},"SDI taxes were capped at a maximum wage base (~$165,000 in 2023)",[32,13296,13297],{},"Maximum SDI tax was around $1,500\u002Fyear",[32,13299,13300],{},"The offset problem existed but had limited financial impact",[24,13302,13304],{"id":13303},"after-2024-sb951","After 2024 (SB951)",[29,13306,13307,13310,13313,13316],{},[32,13308,13309],{},"SDI taxes now apply to ALL income with no cap",[32,13311,13312],{},"High-earning pilots can pay $5,000-8,000+ per year in SDI taxes",[32,13314,13315],{},"The financial stakes of the offset problem have dramatically increased",[32,13317,13318],{},"Processing delays have become much more consequential",[19,13320,13322],{"id":13321},"what-can-you-do","What Can You Do?",[24,13324,13326],{"id":13325},"minimize-delays","Minimize Delays",[15,13328,13329],{},"The best strategy is to minimize EDD processing delays:",[441,13331,13332,13338,13344,13349],{},[32,13333,13334,13337],{},[263,13335,13336],{},"File early:"," Don't wait until your sick bank is exhausted",[32,13339,13340,13343],{},[263,13341,13342],{},"File correctly:"," Avoid errors that cause rejections",[32,13345,13346,13348],{},[263,13347,8450],{}," Follow up regularly on your claim",[32,13350,13351,13353],{},[263,13352,6389],{}," Keep records of all communications",[24,13355,13357],{"id":13356},"track-deadlines","Track Deadlines",[29,13359,13360,13366,13372],{},[32,13361,13362,13365],{},[263,13363,13364],{},"49-day filing deadline:"," Don't miss this or you may lose benefits",[32,13367,13368,13371],{},[263,13369,13370],{},"6-month Hartford appeal deadline:"," Critical if you disagree with offset calculation",[32,13373,13374,13377],{},[263,13375,13376],{},"Document all dates:"," Create a timeline of your claim",[24,13379,13381],{"id":13380},"use-this-guide","Use This Guide",[15,13383,13384],{},"Follow the guidance in this resource:",[29,13386,13387,13393,13399,13403],{},[32,13388,13389,13392],{},[35,13390,13391],{"href":71},"Preparation"," - Get ready before you need to file",[32,13394,13395,13398],{},[35,13396,13397],{"href":105},"Filing"," - Submit your claim correctly",[32,13400,13401,10826],{},[35,13402,277],{"href":276},[32,13404,13405,13407],{},[35,13406,286],{"href":285}," - Monitor your deadlines",[24,13409,13411],{"id":13410},"consider-appealing","Consider Appealing",[15,13413,13414],{},"If Hartford's offset seems incorrect or excessive:",[29,13416,13417,13420,13423],{},[32,13418,13419],{},"Review their calculation methodology",[32,13421,13422],{},"Check if they're offsetting correctly",[32,13424,13425],{},"Consider appealing through ALPA's PBRB process",[19,13427,13429],{"id":13428},"the-bigger-picture","The Bigger Picture",[15,13431,13432],{},"Some pilots have successfully argued for changes to how offsets are applied or for reimbursement when SDI payments were delayed. This often requires:",[29,13434,13435,13438,13441,13444],{},[32,13436,13437],{},"Thorough documentation",[32,13439,13440],{},"Understanding of plan language",[32,13442,13443],{},"Sometimes legal assistance",[32,13445,13446],{},"Persistence",[376,13448,13450,13453,13467],{"title":13449,"type":2303},"Document Now",[15,13451,13452],{},"Even if you're not currently disabled, start documenting now:",[29,13454,13455,13458,13461,13464],{},[32,13456,13457],{},"Save pay stubs",[32,13459,13460],{},"Understand your sick bank",[32,13462,13463],{},"Know your contacts",[32,13465,13466],{},"Review this guide",[15,13468,13469],{},"Being prepared can save you thousands of dollars and countless hours of stress.",[19,13471,806],{"id":805},[29,13473,13474,13479,13485],{},[32,13475,13476,13478],{},[35,13477,59],{"href":58}," - More context",[32,13480,13481,13484],{},[35,13482,13483],{"href":71},"Understanding Your Pay"," - Key preparation step",[32,13486,13487,13489],{},[35,13488,268],{"href":267}," - Model your potential benefits and offset",{"title":334,"searchDepth":335,"depth":335,"links":13491},[13492,13493,13498,13503,13504,13508,13514,13515],{"id":13023,"depth":335,"text":13024},{"id":13045,"depth":335,"text":13046,"children":13494},[13495,13496,13497],{"id":13049,"depth":340,"text":13050},{"id":13073,"depth":340,"text":13074},{"id":13103,"depth":340,"text":13104},{"id":13158,"depth":335,"text":13159,"children":13499},[13500,13501,13502],{"id":13162,"depth":340,"text":13163},{"id":13169,"depth":340,"text":13170},{"id":13187,"depth":340,"text":13188},{"id":13205,"depth":335,"text":13206},{"id":13284,"depth":335,"text":13285,"children":13505},[13506,13507],{"id":13288,"depth":340,"text":13289},{"id":13303,"depth":340,"text":13304},{"id":13321,"depth":335,"text":13322,"children":13509},[13510,13511,13512,13513],{"id":13325,"depth":340,"text":13326},{"id":13356,"depth":340,"text":13357},{"id":13380,"depth":340,"text":13381},{"id":13410,"depth":340,"text":13411},{"id":13428,"depth":335,"text":13429},{"id":805,"depth":335,"text":806},"Understanding why CA SDI creates financial challenges for California-based FedEx pilots","i-lucide-alert-triangle",{},{"title":52,"description":13516},"guide\u002Foverview\u002Foffset-problem","nebx_B-afK6LPiXVqHR1SuInSYaQFp0mMl7v_xO7QCk",{"id":13523,"title":3073,"body":13524,"description":14178,"extension":350,"icon":14179,"lastUpdated":850,"meta":14180,"navigation":354,"order":340,"path":153,"seo":14181,"stem":14182,"__hash__":14183},"guide\u002Fguide\u002Fpost-filing\u002Fdocument-requests.md",{"type":8,"value":13525,"toc":14144},[13526,13530,13533,13537,13541,13546,13557,13562,13573,13578,13592,13595,13599,13610,13614,13625,13629,13643,13649,13653,13657,13668,13672,13683,13687,13701,13705,13709,13720,13724,13734,13738,13752,13758,13762,13766,13769,13784,13788,13791,13804,13808,13811,13825,13829,13833,13839,13844,13857,13862,13873,13876,13881,13886,13894,13898,13909,13912,13917,13921,13932,13935,13940,13944,13954,13958,13962,13967,13975,13980,13986,13990,13994,14007,14011,14019,14023,14027,14035,14041,14045,14048,14053,14059,14063,14067,14070,14080,14084,14087,14091,14095,14098,14109,14113,14116,14127,14129],[11,13527,13529],{"id":13528},"responding-to-edd-document-requests","Responding to EDD Document Requests",[15,13531,13532],{},"EDD may request additional documentation during claim processing. Prompt, complete responses keep your claim moving.",[19,13534,13536],{"id":13535},"types-of-requests","Types of Requests",[24,13538,13540],{"id":13539},"wage-verification","Wage Verification",[15,13542,13543],{},[263,13544,13545],{},"What They Want:",[29,13547,13548,13551,13554],{},[32,13549,13550],{},"Pay stubs from specific period",[32,13552,13553],{},"W-2 forms",[32,13555,13556],{},"Employer verification of wages",[15,13558,13559],{},[263,13560,13561],{},"Why They Need It:",[29,13563,13564,13567,13570],{},[32,13565,13566],{},"Wage records don't match their database",[32,13568,13569],{},"Unusual pay pattern detected",[32,13571,13572],{},"Need to calculate benefit amount",[15,13574,13575],{},[263,13576,13577],{},"How to Respond:",[441,13579,13580,13583,13586,13589],{},[32,13581,13582],{},"Gather the exact documents requested",[32,13584,13585],{},"Make copies for your records",[32,13587,13588],{},"Submit via method specified (online, mail, fax)",[32,13590,13591],{},"Include your claim number on every page",[24,13593,2277],{"id":13594},"medical-certification",[15,13596,13597],{},[263,13598,13545],{},[29,13600,13601,13604,13607],{},[32,13602,13603],{},"Doctor's certification form",[32,13605,13606],{},"Additional medical details",[32,13608,13609],{},"Updated prognosis",[15,13611,13612],{},[263,13613,13561],{},[29,13615,13616,13619,13622],{},[32,13617,13618],{},"Initial certification not received",[32,13620,13621],{},"Certification incomplete",[32,13623,13624],{},"Disability duration needs verification",[15,13626,13627],{},[263,13628,13577],{},[441,13630,13631,13634,13637,13640],{},[32,13632,13633],{},"Contact your doctor immediately",[32,13635,13636],{},"Ask them to complete form promptly",[32,13638,13639],{},"Follow up to confirm submission",[32,13641,13642],{},"If mailing, use certified mail",[376,13644,13646],{"title":13645,"type":425},"Don't Wait on Your Doctor",[15,13647,13648],{},"Doctor's offices are busy. Call them personally to request they prioritize the EDD form. Your benefits are delayed until they respond.",[24,13650,13652],{"id":13651},"identity-verification","Identity Verification",[15,13654,13655],{},[263,13656,13545],{},[29,13658,13659,13662,13665],{},[32,13660,13661],{},"Copy of ID",[32,13663,13664],{},"Social Security verification",[32,13666,13667],{},"Additional identity documents",[15,13669,13670],{},[263,13671,13561],{},[29,13673,13674,13677,13680],{},[32,13675,13676],{},"Identity verification routine",[32,13678,13679],{},"Potential fraud check",[32,13681,13682],{},"Information mismatch",[15,13684,13685],{},[263,13686,13577],{},[441,13688,13689,13692,13695,13698],{},[32,13690,13691],{},"Provide exactly what's requested",[32,13693,13694],{},"Use secure methods (in-person preferred)",[32,13696,13697],{},"Never email Social Security cards",[32,13699,13700],{},"Keep records of what you submitted",[24,13702,13704],{"id":13703},"employment-verification","Employment Verification",[15,13706,13707],{},[263,13708,13545],{},[29,13710,13711,13714,13717],{},[32,13712,13713],{},"Employment dates verification",[32,13715,13716],{},"Wage confirmation",[32,13718,13719],{},"Separation reason clarification",[15,13721,13722],{},[263,13723,13561],{},[29,13725,13726,13729,13731],{},[32,13727,13728],{},"Employment records unclear",[32,13730,1525],{},[32,13732,13733],{},"Classification questions",[15,13735,13736],{},[263,13737,13577],{},[441,13739,13740,13743,13746,13749],{},[32,13741,13742],{},"Provide the information requested yourself if possible",[32,13744,13745],{},"Contact FedEx PAC (Pilot Administration Center) if employer response needed",[32,13747,13748],{},"Follow up proactively to ensure response is submitted",[32,13750,13751],{},"Provide direct contact to PAC with your claim number if EDD will contact employer directly",[376,13753,13755],{"title":13754,"type":425},"FedEx Response Delays",[15,13756,13757],{},"FedEx does not electronically submit information to CA EDD, unlike many employers. Historically, requests sent to FedEx payroll departments have experienced significant delays or may not receive responses. The PAC (Pilot Administration Center) has access to payroll data and is generally more responsive than payroll departments, but may still require persistent follow-up. Monitor your claim status closely and follow up with both EDD and FedEx to prevent delays.",[19,13759,13761],{"id":13760},"response-best-practices","Response Best Practices",[24,13763,13765],{"id":13764},"speed-matters","Speed Matters",[15,13767,13768],{},"Delays in responding extend your processing time dollar-for-dollar.",[29,13770,13771,13778,13781],{},[32,13772,13773,13774,13777],{},"Respond within ",[263,13775,13776],{},"48-72 hours"," of receiving request",[32,13779,13780],{},"Faster is always better",[32,13782,13783],{},"Set up alerts for EDD correspondence",[24,13785,13787],{"id":13786},"be-complete","Be Complete",[15,13789,13790],{},"Incomplete responses cause additional delays.",[29,13792,13793,13795,13798,13801],{},[32,13794,13691],{},[32,13796,13797],{},"Include all pages of multi-page documents",[32,13799,13800],{},"Write your claim number on every page",[32,13802,13803],{},"Respond to every question asked",[24,13805,13807],{"id":13806},"document-your-response","Document Your Response",[15,13809,13810],{},"Keep records of what you sent:",[29,13812,13813,13816,13819,13822],{},[32,13814,13815],{},"Copy of every document submitted",[32,13817,13818],{},"Date and method of submission",[32,13820,13821],{},"Confirmation (if available)",[32,13823,13824],{},"Notes of any phone conversations",[19,13826,13828],{"id":13827},"response-methods","Response Methods",[24,13830,13832],{"id":13831},"online-upload","Online Upload",[15,13834,13835,13838],{},[263,13836,13837],{},"Best For:"," Most document submissions",[15,13840,13841],{},[263,13842,13843],{},"How:",[441,13845,13846,13848,13851,13854],{},[32,13847,10798],{},[32,13849,13850],{},"Navigate to document upload section",[32,13852,13853],{},"Upload clear, readable copies",[32,13855,13856],{},"Confirm upload successful",[15,13858,13859],{},[263,13860,13861],{},"Tips:",[29,13863,13864,13867,13870],{},[32,13865,13866],{},"Use PDF or clear image formats",[32,13868,13869],{},"Check file size limits",[32,13871,13872],{},"Verify documents are readable after upload",[24,13874,1862],{"id":13875},"fax",[15,13877,13878,13880],{},[263,13879,13837],{}," Time-sensitive medical documents",[15,13882,13883],{},[263,13884,13885],{},"EDD Fax Numbers:",[29,13887,13888,13891],{},[32,13889,13890],{},"Varies by office - use number on your correspondence",[32,13892,13893],{},"General: Check your specific request letter",[15,13895,13896],{},[263,13897,13861],{},[29,13899,13900,13903,13906],{},[32,13901,13902],{},"Include cover sheet with claim number",[32,13904,13905],{},"Keep fax confirmation",[32,13907,13908],{},"Follow up to confirm receipt",[24,13910,1868],{"id":13911},"mail",[15,13913,13914,13916],{},[263,13915,13837],{}," When other methods unavailable",[15,13918,13919],{},[263,13920,13861],{},[29,13922,13923,13926,13929],{},[32,13924,13925],{},"Use certified mail with return receipt",[32,13927,13928],{},"Keep copies of everything sent",[32,13930,13931],{},"Allow 5-7 days for delivery",[24,13933,5903],{"id":13934},"in-person",[15,13936,13937,13939],{},[263,13938,13837],{}," Complex situations, time-critical responses",[15,13941,13942],{},[263,13943,13861],{},[29,13945,13946,13948,13951],{},[32,13947,12860],{},[32,13949,13950],{},"Ask for receipt\u002Fconfirmation",[32,13952,13953],{},"Be prepared for wait times",[19,13955,13957],{"id":13956},"common-requests-and-responses","Common Requests and Responses",[24,13959,13961],{"id":13960},"provide-wage-documentation","\"Provide Wage Documentation\"",[15,13963,13964],{},[263,13965,13966],{},"Send:",[29,13968,13969,13972],{},[32,13970,13971],{},"Pay stubs for the period specified",[32,13973,13974],{},"W-2 from the requested year(s)",[15,13976,13977],{},[263,13978,13979],{},"Include Cover Note:",[413,13981,13984],{"className":13982,"code":13983,"language":418},[416],"RE: Claim #[Your Number]\n\nI am responding to your wage documentation request\ndated [date of their letter].\n\nAttached please find:\n- Pay stubs from [dates]\n- W-2 from [year]\n\nAs an airline pilot, my pay varies monthly based on\nflight hours. Please contact me if you have questions\nabout my pay structure.\n\n[Your contact information]\n",[420,13985,13983],{"__ignoreMap":334},[24,13987,13989],{"id":13988},"medical-certification-incomplete","\"Medical Certification Incomplete\"",[15,13991,13992],{},[263,13993,12243],{},[441,13995,13996,13998,14001,14004],{},[32,13997,13633],{},[32,13999,14000],{},"Inform them what's missing",[32,14002,14003],{},"Ask for estimated completion time",[32,14005,14006],{},"Follow up if not done in 2-3 days",[15,14008,14009],{},[263,14010,13966],{},[29,14012,14013,14016],{},[32,14014,14015],{},"Completed certification from doctor",[32,14017,14018],{},"Note explaining any delays",[24,14020,14022],{"id":14021},"identity-verification-required","\"Identity Verification Required\"",[15,14024,14025],{},[263,14026,13966],{},[29,14028,14029,14032],{},[32,14030,14031],{},"Clear copy of requested ID",[32,14033,14034],{},"Any additional documents requested",[376,14036,14038],{"title":14037,"type":379},"Never Email SSN",[15,14039,14040],{},"Never send Social Security cards via email. Use secure upload, fax, or in-person submission.",[24,14042,14044],{"id":14043},"additional-information-needed","\"Additional Information Needed\"",[15,14046,14047],{},"Read the request carefully and provide exactly what's asked.",[15,14049,14050],{},[263,14051,14052],{},"General Response Format:",[413,14054,14057],{"className":14055,"code":14056,"language":418},[416],"RE: Claim #[Your Number]\nResponse to Additional Information Request dated [date]\n\nQuestion 1: [their question]\nAnswer: [your answer]\n\nQuestion 2: [their question]\nAnswer: [your answer]\n\nAttached documents:\n- [List what you're including]\n\nPlease contact me at [phone] if you need anything else.\n",[420,14058,14056],{"__ignoreMap":334},[19,14060,14062],{"id":14061},"if-you-dont-understand-the-request","If You Don't Understand the Request",[24,14064,14066],{"id":14065},"call-before-responding","Call Before Responding",[15,14068,14069],{},"If a request is unclear:",[441,14071,14072,14074,14077],{},[32,14073,9138],{},[32,14075,14076],{},"Document what they tell you",[32,14078,14079],{},"Then respond appropriately",[24,14081,14083],{"id":14082},"dont-guess","Don't Guess",[15,14085,14086],{},"Sending the wrong documents wastes time. Better to clarify first.",[19,14088,14090],{"id":14089},"deadlines","Deadlines",[24,14092,14094],{"id":14093},"standard-response-time","Standard Response Time",[15,14096,14097],{},"Most requests give you 10-14 days to respond.",[29,14099,14100,14103,14106],{},[32,14101,14102],{},"Check the letter for specific deadline",[32,14104,14105],{},"Respond well before deadline",[32,14107,14108],{},"If you need more time, call EDD",[24,14110,14112],{"id":14111},"missed-deadline","Missed Deadline",[15,14114,14115],{},"If you miss a deadline:",[29,14117,14118,14121,14124],{},[32,14119,14120],{},"Respond immediately anyway",[32,14122,14123],{},"Call EDD to explain delay",[32,14125,14126],{},"Your claim may be denied—you may need to appeal",[19,14128,806],{"id":805},[29,14130,14131,14135,14140],{},[32,14132,14133,3080],{},[35,14134,3079],{"href":160},[32,14136,14137,14139],{},[35,14138,147],{"href":146}," - Continue monitoring",[32,14141,14142,10826],{},[35,14143,277],{"href":276},{"title":334,"searchDepth":335,"depth":335,"links":14145},[14146,14152,14157,14163,14169,14173,14177],{"id":13535,"depth":335,"text":13536,"children":14147},[14148,14149,14150,14151],{"id":13539,"depth":340,"text":13540},{"id":13594,"depth":340,"text":2277},{"id":13651,"depth":340,"text":13652},{"id":13703,"depth":340,"text":13704},{"id":13760,"depth":335,"text":13761,"children":14153},[14154,14155,14156],{"id":13764,"depth":340,"text":13765},{"id":13786,"depth":340,"text":13787},{"id":13806,"depth":340,"text":13807},{"id":13827,"depth":335,"text":13828,"children":14158},[14159,14160,14161,14162],{"id":13831,"depth":340,"text":13832},{"id":13875,"depth":340,"text":1862},{"id":13911,"depth":340,"text":1868},{"id":13934,"depth":340,"text":5903},{"id":13956,"depth":335,"text":13957,"children":14164},[14165,14166,14167,14168],{"id":13960,"depth":340,"text":13961},{"id":13988,"depth":340,"text":13989},{"id":14021,"depth":340,"text":14022},{"id":14043,"depth":340,"text":14044},{"id":14061,"depth":335,"text":14062,"children":14170},[14171,14172],{"id":14065,"depth":340,"text":14066},{"id":14082,"depth":340,"text":14083},{"id":14089,"depth":335,"text":14090,"children":14174},[14175,14176],{"id":14093,"depth":340,"text":14094},{"id":14111,"depth":340,"text":14112},{"id":805,"depth":335,"text":806},"How to respond to EDD requests for additional documentation","i-lucide-file-question",{},{"title":3073,"description":14178},"guide\u002Fpost-filing\u002Fdocument-requests","gTvUMOwECd1LRON3sjeeilW2LboAqcRl1ELbNeQ0DH0",{"id":14185,"title":86,"body":14186,"description":14768,"extension":350,"icon":14769,"lastUpdated":850,"meta":14770,"navigation":354,"order":340,"path":85,"seo":14771,"stem":14772,"__hash__":14773},"guide\u002Fguide\u002Fpreparation\u002Fsick-bank-strategy.md",{"type":8,"value":14187,"toc":14728},[14188,14191,14194,14198,14202,14213,14223,14227,14238,14242,14248,14254,14258,14262,14276,14280,14286,14297,14301,14307,14311,14342,14349,14353,14357,14376,14380,14394,14398,14401,14407,14409,14413,14416,14441,14445,14467,14471,14474,14494,14500,14504,14508,14519,14523,14534,14538,14542,14569,14573,14600,14604,14631,14633,14637,14640,14651,14655,14658,14676,14679,14683,14689,14693,14696,14710,14712],[11,14189,86],{"id":14190},"sick-bank-strategy",[15,14192,14193],{},"Understanding how to manage your sick banks is crucial for both short-term protection and long-term disability planning.",[19,14195,14197],{"id":14196},"understanding-your-banks","Understanding Your Banks",[24,14199,14201],{"id":14200},"regular-sick-bank","Regular Sick Bank",[29,14203,14204,14207,14210],{},[32,14205,14206],{},"Accrues continuously during employment",[32,14208,14209],{},"Used for short-term illness",[32,14211,14212],{},"May have maximum accrual limits",[376,14214,14216],{"title":14215,"type":574},"California 'Kin Care' Law",[15,14217,14218,14219,14222],{},"Under California Labor Code Section 233, California-based pilots (LAX\u002FOAK) can use up to ",[263,14220,14221],{},"half of their annual sick leave accrual"," to care for an ill family member (parent, child, spouse, domestic partner, grandparent, grandchild, or sibling). This is a statutory right for pilots paying CA SDI taxes, regardless of where they live.",[24,14224,14226],{"id":14225},"disability-sick-absence-dsa-bank","Disability Sick Absence (DSA) Bank",[29,14228,14229,14232,14235],{},[32,14230,14231],{},"Specifically for extended disability periods",[32,14233,14234],{},"May have different accrual rules",[32,14236,14237],{},"Often used before LTD kicks in",[19,14239,14241],{"id":14240},"the-transition-timeline","The Transition Timeline",[413,14243,14246],{"className":14244,"code":14245,"language":418},[416],"Phase 1: Sick Bank\n↓ (when exhausted)\nPhase 2: DSA Bank\n↓ (when exhausted)\nPhase 3: LTD Benefits (with SDI offset)\n",[420,14247,14245],{"__ignoreMap":334},[376,14249,14251],{"title":14250,"type":574},"When to File SDI",[15,14252,14253],{},"You can file for CA SDI during any phase when you're unable to work. You don't have to wait until sick banks are exhausted. In fact, filing early is recommended.",[19,14255,14257],{"id":14256},"sdi-filing-timing","SDI Filing Timing",[24,14259,14261],{"id":14260},"early-filing-benefits","Early Filing Benefits",[29,14263,14264,14267,14270,14273],{},[32,14265,14266],{},"Claim processing starts sooner",[32,14268,14269],{},"Payments may begin when you need them",[32,14271,14272],{},"49-day deadline doesn't become a crisis",[32,14274,14275],{},"More time to resolve any issues",[24,14277,14279],{"id":14278},"when-sdi-payments-actually-start","When SDI Payments Actually Start",[15,14281,14282,14283,14285],{},"SDI has a ",[263,14284,1105],{}," (no benefits paid for first 7 days of disability). After that:",[29,14287,14288,14291,14294],{},[32,14289,14290],{},"If approved, payments begin for the period after the waiting period",[32,14292,14293],{},"Payments may overlap with or replace sick bank pay",[32,14295,14296],{},"Coordination depends on timing",[19,14298,14300],{"id":14299},"the-hartford-offset-consideration","The Hartford Offset Consideration",[376,14302,14304],{"title":14303,"type":425},"Key Decision Point",[15,14305,14306],{},"The Hartford offset only applies to LTD benefits. While you're still using sick banks, there's no LTD to offset.",[24,14308,14310],{"id":14309},"optimal-timing-strategy","Optimal Timing Strategy",[441,14312,14313,14319,14325,14331,14337],{},[32,14314,14315,14318],{},[263,14316,14317],{},"File SDI early"," in your disability",[32,14320,14321,14324],{},[263,14322,14323],{},"Use sick\u002FDSA banks"," while SDI processes",[32,14326,14327,14330],{},[263,14328,14329],{},"SDI payments begin"," (hopefully before LTD starts)",[32,14332,14333,14336],{},[263,14334,14335],{},"LTD begins"," when sick banks exhausted",[32,14338,14339,14341],{},[263,14340,1237],{}," but you're already receiving SDI",[15,14343,14344,14345,14348],{},"The goal is to have SDI approved and paying ",[263,14346,14347],{},"before"," you transition to LTD, minimizing the gap where Hartford offsets SDI you haven't received.",[19,14350,14352],{"id":14351},"checking-your-balances","Checking Your Balances",[24,14354,14356],{"id":14355},"where-to-find-your-balances","Where to Find Your Balances",[441,14358,14359,14364,14370],{},[32,14360,14361,14363],{},[263,14362,1414],{}," Check current balances",[32,14365,14366,14369],{},[263,14367,14368],{},"Pay stubs:"," Often show current accruals",[32,14371,14372,14375],{},[263,14373,14374],{},"HR:"," Can provide historical information",[24,14377,14379],{"id":14378},"what-to-document","What to Document",[29,14381,14382,14385,14388,14391],{},[32,14383,14384],{},"Current sick bank balance (hours)",[32,14386,14387],{},"Current DSA bank balance (hours)",[32,14389,14390],{},"Monthly accrual rate",[32,14392,14393],{},"Any caps or limits",[19,14395,14397],{"id":14396},"estimating-duration","Estimating Duration",[15,14399,14400],{},"Calculate how long your banks will last:",[413,14402,14405],{"className":14403,"code":14404,"language":418},[416],"Total Sick Hours ÷ Monthly Usage Rate = Months of Coverage\n\nExample:\n- Sick bank: 480 hours\n- DSA bank: 720 hours\n- Total: 1,200 hours\n- Monthly burn: 168 hours (full month)\n- Duration: ~7 months\n",[420,14406,14404],{"__ignoreMap":334},[19,14408,480],{"id":479},[24,14410,14412],{"id":14411},"if-you-have-advance-notice","If You Have Advance Notice",[15,14414,14415],{},"For planned surgeries or known upcoming disability:",[441,14417,14418,14424,14430,14436],{},[32,14419,14420,14423],{},[263,14421,14422],{},"Maximize your banks:"," Work your schedule up to disability",[32,14425,14426,14429],{},[263,14427,14428],{},"File SDI immediately:"," Don't wait",[32,14431,14432,14435],{},[263,14433,14434],{},"Coordinate with Hartford:"," Let them know timeline",[32,14437,14438,14440],{},[263,14439,6389],{}," Keep meticulous records",[24,14442,14444],{"id":14443},"if-unexpected-disability","If Unexpected Disability",[441,14446,14447,14452,14457,14462],{},[32,14448,14449],{},[263,14450,14451],{},"File SDI as soon as possible",[32,14453,14454],{},[263,14455,14456],{},"Report to FedEx immediately",[32,14458,14459],{},[263,14460,14461],{},"Check your current bank balances",[32,14463,14464],{},[263,14465,14466],{},"Start LTD paperwork early",[24,14468,14470],{"id":14469},"advanced-income-management","Advanced Income Management",[15,14472,14473],{},"Some pilots have explored strategies to maximize SDI benefits given the complex interaction between sick\u002Fvacation pay and SDI income calculations:",[29,14475,14476,14482,14488],{},[32,14477,14478,14481],{},[263,14479,14480],{},"Using vacation vs. sick time",": Different types of paid time off may be evaluated differently by EDD for income calculation purposes. Confirm current EDD policy before relying on this.",[32,14483,14484,14487],{},[263,14485,14486],{},"Timing sick bank usage",": Using available sick time earlier in a calendar year (before needing SDI) may affect how your income appears during an SDI claim period.",[32,14489,14490,14493],{},[263,14491,14492],{},"Minimizing overlap",": Using DSA strategically to reduce your income by approximately the SDI benefit amount might optimize total compensation, though this requires careful calculation.",[376,14495,14497],{"title":14496,"type":425},"Verify Before Acting",[15,14498,14499],{},"These strategies involve complex interactions between FedEx policies and CA EDD rules. Contact EDD directly to understand current policy before making decisions based on these considerations. What works in one situation may not work in another.",[19,14501,14503],{"id":14502},"bank-payouts","Bank Payouts",[24,14505,14507],{"id":14506},"if-you-return-to-work","If You Return to Work",[29,14509,14510,14513,14516],{},[32,14511,14512],{},"Sick banks remain for future use",[32,14514,14515],{},"SDI stops when you return",[32,14517,14518],{},"No LTD if you return before it starts",[24,14520,14522],{"id":14521},"if-you-dont-return","If You Don't Return",[29,14524,14525,14528,14531],{},[32,14526,14527],{},"Banks may pay out (check your contract)",[32,14529,14530],{},"LTD continues per policy",[32,14532,14533],{},"SDI continues up to 52 weeks",[19,14535,14537],{"id":14536},"practical-tips","Practical Tips",[24,14539,14541],{"id":14540},"before-disability","Before Disability",[29,14543,14545,14551,14557,14563],{"className":14544},[688],[32,14546,14548,14550],{"className":14547},[692],[694,14549],{"disabled":354,"type":696}," Know your current sick bank balance",[32,14552,14554,14556],{"className":14553},[692],[694,14555],{"disabled":354,"type":696}," Know your current DSA balance",[32,14558,14560,14562],{"className":14559},[692],[694,14561],{"disabled":354,"type":696}," Calculate how long they'll last",[32,14564,14566,14568],{"className":14565},[692],[694,14567],{"disabled":354,"type":696}," Understand transition to LTD",[24,14570,14572],{"id":14571},"during-disability","During Disability",[29,14574,14576,14582,14588,14594],{"className":14575},[688],[32,14577,14579,14581],{"className":14578},[692],[694,14580],{"disabled":354,"type":696}," Track your bank usage",[32,14583,14585,14587],{"className":14584},[692],[694,14586],{"disabled":354,"type":696}," Estimate exhaustion date",[32,14589,14591,14593],{"className":14590},[692],[694,14592],{"disabled":354,"type":696}," File SDI early",[32,14595,14597,14599],{"className":14596},[692],[694,14598],{"disabled":354,"type":696}," Start LTD paperwork before banks run out",[24,14601,14603],{"id":14602},"transition-period","Transition Period",[29,14605,14607,14613,14619,14625],{"className":14606},[688],[32,14608,14610,14612],{"className":14609},[692],[694,14611],{"disabled":354,"type":696}," Know exactly when banks will exhaust",[32,14614,14616,14618],{"className":14615},[692],[694,14617],{"disabled":354,"type":696}," Confirm LTD start date with Hartford",[32,14620,14622,14624],{"className":14621},[692],[694,14623],{"disabled":354,"type":696}," Verify SDI payments are coming",[32,14626,14628,14630],{"className":14627},[692],[694,14629],{"disabled":354,"type":696}," Monitor for gaps in coverage",[19,14632,4824],{"id":4823},[24,14634,14636],{"id":14635},"can-i-use-sick-bank-and-receive-sdi","Can I use sick bank and receive SDI?",[15,14638,14639],{},"It depends on timing and how FedEx reports your wages. Generally:",[29,14641,14642,14645,14648],{},[32,14643,14644],{},"SDI pays for periods you're not receiving regular wages",[32,14646,14647],{},"If sick bank is paying you, SDI may be reduced or delayed",[32,14649,14650],{},"Consult EDD for specifics",[24,14652,14654],{"id":14653},"how-does-edd-evaluate-my-income-during-disability","How does EDD evaluate my income during disability?",[15,14656,14657],{},"CA EDD evaluates whether you are earning less than you would have if you were not disabled. This can be complex with pilot pay structures. Key considerations:",[29,14659,14660,14665,14670],{},[32,14661,14662,14664],{},[263,14663,3282],{},": According to EDD guidance, sick pay generally counts as income when evaluating your earnings.",[32,14666,14667,14669],{},[263,14668,3292],{},": Vacation pay may be treated differently than sick pay for SDI purposes. Contact EDD for current policy.",[32,14671,14672,14675],{},[263,14673,14674],{},"Gap Periods",": If there is a gap between when you called in sick and your first duty period, an EDD representative may suggest categorizing that period in a way that supports your claim (such as \"part-time\" status even though FedEx doesn't have part-time pilots). This is simply a categorization for benefit purposes.",[15,14677,14678],{},"The way information is presented to EDD can affect your benefit eligibility and amount. Accurate, complete information is essential.",[24,14680,14682],{"id":14681},"should-i-exhaust-banks-before-filing-sdi","Should I exhaust banks before filing SDI?",[15,14684,14685,14688],{},[263,14686,14687],{},"No."," File SDI as soon as you're disabled. The 49-day deadline runs from disability start, not from when banks run out. Filing late can mean losing weeks of benefits.",[24,14690,14692],{"id":14691},"what-if-my-banks-run-out-before-sdi-is-approved","What if my banks run out before SDI is approved?",[15,14694,14695],{},"This is exactly the problem this guide helps you avoid. Strategies:",[29,14697,14698,14701,14704,14707],{},[32,14699,14700],{},"File SDI immediately when disabled",[32,14702,14703],{},"Follow up proactively on your claim",[32,14705,14706],{},"Have emergency savings if possible",[32,14708,14709],{},"Contact ALPA if in financial hardship",[19,14711,806],{"id":805},[29,14713,14714,14719,14724],{},[32,14715,14716,14718],{},[35,14717,93],{"href":92}," - Documents to gather",[32,14720,14721,14723],{},[35,14722,106],{"href":105}," - Filing timing decisions",[32,14725,14726,824],{},[35,14727,286],{"href":285},{"title":334,"searchDepth":335,"depth":335,"links":14729},[14730,14734,14735,14739,14742,14746,14747,14752,14756,14761,14767],{"id":14196,"depth":335,"text":14197,"children":14731},[14732,14733],{"id":14200,"depth":340,"text":14201},{"id":14225,"depth":340,"text":14226},{"id":14240,"depth":335,"text":14241},{"id":14256,"depth":335,"text":14257,"children":14736},[14737,14738],{"id":14260,"depth":340,"text":14261},{"id":14278,"depth":340,"text":14279},{"id":14299,"depth":335,"text":14300,"children":14740},[14741],{"id":14309,"depth":340,"text":14310},{"id":14351,"depth":335,"text":14352,"children":14743},[14744,14745],{"id":14355,"depth":340,"text":14356},{"id":14378,"depth":340,"text":14379},{"id":14396,"depth":335,"text":14397},{"id":479,"depth":335,"text":480,"children":14748},[14749,14750,14751],{"id":14411,"depth":340,"text":14412},{"id":14443,"depth":340,"text":14444},{"id":14469,"depth":340,"text":14470},{"id":14502,"depth":335,"text":14503,"children":14753},[14754,14755],{"id":14506,"depth":340,"text":14507},{"id":14521,"depth":340,"text":14522},{"id":14536,"depth":335,"text":14537,"children":14757},[14758,14759,14760],{"id":14540,"depth":340,"text":14541},{"id":14571,"depth":340,"text":14572},{"id":14602,"depth":340,"text":14603},{"id":4823,"depth":335,"text":4824,"children":14762},[14763,14764,14765,14766],{"id":14635,"depth":340,"text":14636},{"id":14653,"depth":340,"text":14654},{"id":14681,"depth":340,"text":14682},{"id":14691,"depth":340,"text":14692},{"id":805,"depth":335,"text":806},"Managing your sick and DSA banks strategically","i-lucide-piggy-bank",{},{"title":86,"description":14768},"guide\u002Fpreparation\u002Fsick-bank-strategy","1_fBlYIzY3s1wVjOzNFXZl0usCQTyre5LGr9jhmg2WE",{"id":14775,"title":249,"body":14776,"description":15471,"extension":350,"icon":15472,"lastUpdated":850,"meta":15473,"navigation":354,"order":340,"path":248,"seo":15474,"stem":15475,"__hash__":15476},"guide\u002Fguide\u002Fspecial\u002Freturning-to-work.md",{"type":8,"value":14777,"toc":15422},[14778,14781,14784,14788,14792,14797,14811,14816,14827,14833,14837,14842,14853,14857,14861,14868,14888,14892,14897,14908,14913,14921,14925,14931,14935,14938,14943,14954,14958,14969,14973,14976,14987,14991,14995,14999,15010,15014,15019,15033,15037,15042,15053,15057,15061,15067,15071,15076,15087,15091,15097,15101,15106,15120,15124,15128,15131,15145,15149,15152,15163,15165,15169,15172,15189,15193,15196,15210,15214,15218,15221,15232,15236,15239,15250,15253,15257,15261,15272,15276,15290,15294,15308,15310,15314,15347,15351,15372,15376,15403,15405],[11,14779,249],{"id":14780},"returning-to-work",[15,14782,14783],{},"When you're ready to return to flying, there are important steps to properly close out your disability benefits.",[19,14785,14787],{"id":14786},"before-returning-to-work","Before Returning to Work",[24,14789,14791],{"id":14790},"medical-clearance","Medical Clearance",[15,14793,14794],{},[263,14795,14796],{},"FAA Medical:",[29,14798,14799,14802,14805,14808],{},[32,14800,14801],{},"You need a valid FAA medical certificate",[32,14803,14804],{},"May require special issuance depending on condition",[32,14806,14807],{},"Work with your AME (Aviation Medical Examiner)",[32,14809,14810],{},"Allow time for medical processing",[15,14812,14813],{},[263,14814,14815],{},"Company Clearance:",[29,14817,14818,14821,14824],{},[32,14819,14820],{},"FedEx medical may have additional requirements",[32,14822,14823],{},"Flight operations clearance needed",[32,14825,14826],{},"Training currency requirements",[376,14828,14830],{"title":14829,"type":425},"Don't Rush It",[15,14831,14832],{},"Ensure you're fully medically cleared before returning. Returning too soon can result in re-injury and complications.",[24,14834,14836],{"id":14835},"benefits-coordination","Benefits Coordination",[15,14838,14839],{},[263,14840,14841],{},"Understand the Timing:",[29,14843,14844,14847,14850],{},[32,14845,14846],{},"SDI stops when you return to work",[32,14848,14849],{},"LTD stops when you return to work",[32,14851,14852],{},"Some partial work arrangements exist",[19,14854,14856],{"id":14855},"notifying-edd-sdi","Notifying EDD (SDI)",[24,14858,14860],{"id":14859},"when-to-notify","When to Notify",[15,14862,14863,14864,14867],{},"Notify EDD ",[263,14865,14866],{},"before or immediately when"," you return to work:",[441,14869,14870,14876,14882],{},[32,14871,14872,14875],{},[263,14873,14874],{},"Certifications will ask"," - If you're certifying, you'll report this",[32,14877,14878,14881],{},[263,14879,14880],{},"Stop certifying"," - Don't certify for periods you're working",[32,14883,14884,14887],{},[263,14885,14886],{},"Call if needed"," - For questions about closing your claim",[24,14889,14891],{"id":14890},"how-to-notify","How to Notify",[15,14893,14894],{},[263,14895,14896],{},"If You're Still Certifying:",[29,14898,14899,14902,14905],{},[32,14900,14901],{},"On your certification, indicate you returned to work",[32,14903,14904],{},"Provide the return date",[32,14906,14907],{},"Answer all questions honestly",[15,14909,14910],{},[263,14911,14912],{},"To Officially Close:",[29,14914,14915,14918],{},[32,14916,14917],{},"Call EDD if needed: 1-800-480-3287",[32,14919,14920],{},"Or send written notification",[24,14922,14924],{"id":14923},"overpayment-risk","Overpayment Risk",[376,14926,14928],{"title":14927,"type":379},"Avoid Overpayments",[15,14929,14930],{},"If you receive SDI payments after returning to work, you'll owe that money back. Report your return promptly.",[19,14932,14934],{"id":14933},"notifying-hartford-ltd","Notifying Hartford (LTD)",[24,14936,14860],{"id":14937},"when-to-notify-1",[15,14939,14940,14941,14867],{},"Notify Hartford ",[263,14942,14866],{},[29,14944,14945,14948,14951],{},[32,14946,14947],{},"Call your claims representative",[32,14949,14950],{},"Provide return date",[32,14952,14953],{},"Confirm final payment details",[24,14955,14957],{"id":14956},"hartford-contact","Hartford Contact",[29,14959,14960,14963,14966],{},[32,14961,14962],{},"Phone: 1-888-563-1124",[32,14964,14965],{},"Have your claim number ready",[32,14967,14968],{},"Get confirmation in writing",[24,14970,14972],{"id":14971},"final-ltd-payment","Final LTD Payment",[15,14974,14975],{},"Hartford will:",[29,14977,14978,14981,14984],{},[32,14979,14980],{},"Prorate your final payment",[32,14982,14983],{},"Issue payment through last day of disability",[32,14985,14986],{},"Close your claim",[19,14988,14990],{"id":14989},"transition-scenarios","Transition Scenarios",[24,14992,14994],{"id":14993},"full-return-to-flying","Full Return to Flying",[15,14996,14997],{},[263,14998,7383],{},[29,15000,15001,15004,15007],{},[32,15002,15003],{},"Clear medically (FAA and company)",[32,15005,15006],{},"Return to full flying duties",[32,15008,15009],{},"All disability benefits stop",[24,15011,15013],{"id":15012},"partial-or-gradual-return","Partial or Gradual Return",[15,15015,15016],{},[263,15017,15018],{},"If Applicable:",[29,15020,15021,15024,15027,15030],{},[32,15022,15023],{},"Some conditions allow gradual return",[32,15025,15026],{},"SDI has limited provisions for partial disability",[32,15028,15029],{},"LTD may have rehabilitation provisions",[32,15031,15032],{},"Discuss with both EDD and Hartford",[24,15034,15036],{"id":15035},"returning-but-not-fully-recovered","Returning but Not Fully Recovered",[15,15038,15039],{},[263,15040,15041],{},"Complex Situation:",[29,15043,15044,15047,15050],{},[32,15045,15046],{},"May still have some limitations",[32,15048,15049],{},"Could affect future claims if you go out again",[32,15051,15052],{},"Document everything carefully",[19,15054,15056],{"id":15055},"financial-planning","Financial Planning",[24,15058,15060],{"id":15059},"timeline-considerations","Timeline Considerations",[413,15062,15065],{"className":15063,"code":15064,"language":418},[416],"Week -4:     Begin FAA medical process\nWeek -2:     Company clearance process\nWeek -1:     Notify Hartford of expected return\nDay 0:       Return to work\nDay 1-3:     Stop SDI certifications\nDay 7:       Confirm benefits stopped correctly\nDay 30:      Verify no erroneous payments\n",[420,15066,15064],{"__ignoreMap":334},[24,15068,15070],{"id":15069},"cash-flow-impact","Cash Flow Impact",[15,15072,15073],{},[263,15074,15075],{},"When Returns:",[29,15077,15078,15081,15084],{},[32,15079,15080],{},"Last SDI payment: Covers through last day of disability",[32,15082,15083],{},"First paycheck: After you've worked and been paid",[32,15085,15086],{},"Gap possible: Plan for this",[15,15088,15089],{},[263,15090,927],{},[413,15092,15095],{"className":15093,"code":15094,"language":418},[416],"Last day disabled:     June 15\nFirst day working:     June 16\nLast SDI payment:      Covers through June 15\nFirst paycheck:        July 1 (for June 16-30 work)\n",[420,15096,15094],{"__ignoreMap":334},[24,15098,15100],{"id":15099},"tax-considerations","Tax Considerations",[15,15102,15103],{},[263,15104,15105],{},"For Tax Year:",[29,15107,15108,15111,15114,15117],{},[32,15109,15110],{},"SDI (generally not taxable in CA)",[32,15112,15113],{},"LTD (taxable as income)",[32,15115,15116],{},"W-2 income (fully taxable)",[32,15118,15119],{},"Consult tax professional for your situation",[19,15121,15123],{"id":15122},"if-you-become-disabled-again","If You Become Disabled Again",[24,15125,15127],{"id":15126},"new-disability","New Disability",[15,15129,15130],{},"If you become disabled again after returning:",[29,15132,15133,15136,15139,15142],{},[32,15134,15135],{},"May file a new SDI claim",[32,15137,15138],{},"New 49-day deadline from new disability date",[32,15140,15141],{},"New Hartford claim may be needed",[32,15143,15144],{},"Pre-existing condition provisions may apply",[24,15146,15148],{"id":15147},"same-disability","Same Disability",[15,15150,15151],{},"If the same condition recurs:",[29,15153,15154,15157,15160],{},[32,15155,15156],{},"May be considered same or new claim depending on time",[32,15158,15159],{},"Discuss with EDD and Hartford",[32,15161,15162],{},"Keep all medical records",[19,15164,5611],{"id":5610},[24,15166,15168],{"id":15167},"keep-these-records","Keep These Records",[15,15170,15171],{},"Even after returning, maintain records of:",[29,15173,15174,15177,15180,15183,15186],{},[32,15175,15176],{},"All disability payments received",[32,15178,15179],{},"Medical records during disability",[32,15181,15182],{},"Return to work date",[32,15184,15185],{},"Medical clearance documents",[32,15187,15188],{},"Final claim correspondence",[24,15190,15192],{"id":15191},"for-future-reference","For Future Reference",[15,15194,15195],{},"Records may be needed for:",[29,15197,15198,15201,15204,15207],{},[32,15199,15200],{},"Tax purposes",[32,15202,15203],{},"Future disability claims",[32,15205,15206],{},"Employment verification",[32,15208,15209],{},"Legal matters",[19,15211,15213],{"id":15212},"returning-part-time","Returning Part-Time",[24,15215,15217],{"id":15216},"sdi-and-part-time-work","SDI and Part-Time Work",[15,15219,15220],{},"SDI has limited provisions for partial return:",[29,15222,15223,15226,15229],{},[32,15224,15225],{},"Generally, SDI is for full disability",[32,15227,15228],{},"Part-time work may affect benefits",[32,15230,15231],{},"Report all work to EDD",[24,15233,15235],{"id":15234},"ltd-and-part-time-work","LTD and Part-Time Work",[15,15237,15238],{},"Hartford may have:",[29,15240,15241,15244,15247],{},[32,15242,15243],{},"Rehabilitation provisions",[32,15245,15246],{},"Partial disability benefits",[32,15248,15249],{},"Work incentive programs",[15,15251,15252],{},"Check your policy and discuss with your claims representative.",[19,15254,15256],{"id":15255},"common-return-to-work-issues","Common Return-to-Work Issues",[24,15258,15260],{"id":15259},"my-medical-is-taking-longer-than-expected","\"My Medical Is Taking Longer Than Expected\"",[29,15262,15263,15266,15269],{},[32,15264,15265],{},"Keep benefits active until you actually return",[32,15267,15268],{},"Don't close claims prematurely",[32,15270,15271],{},"FAA medical can be unpredictable",[24,15273,15275],{"id":15274},"i-returned-but-had-a-setback","\"I Returned but Had a Setback\"",[29,15277,15278,15281,15284,15287],{},[32,15279,15280],{},"If within same condition, may be same claim",[32,15282,15283],{},"If new condition, new claim",[32,15285,15286],{},"Document what happened",[32,15288,15289],{},"Consult with benefits specialists",[24,15291,15293],{"id":15292},"my-benefits-continued-after-i-returned","\"My Benefits Continued After I Returned\"",[29,15295,15296,15299,15302,15305],{},[32,15297,15298],{},"Report immediately",[32,15300,15301],{},"Don't spend overpayments",[32,15303,15304],{},"Arrange repayment plan if needed",[32,15306,15307],{},"Document that you reported it",[19,15309,277],{"id":9600},[24,15311,15313],{"id":15312},"before-return","Before Return:",[29,15315,15317,15323,15329,15335,15341],{"className":15316},[688],[32,15318,15320,15322],{"className":15319},[692],[694,15321],{"disabled":354,"type":696}," FAA medical cleared",[32,15324,15326,15328],{"className":15325},[692],[694,15327],{"disabled":354,"type":696}," Company medical cleared",[32,15330,15332,15334],{"className":15331},[692],[694,15333],{"disabled":354,"type":696}," Training currency confirmed",[32,15336,15338,15340],{"className":15337},[692],[694,15339],{"disabled":354,"type":696}," Hartford notified of expected return date",[32,15342,15344,15346],{"className":15343},[692],[694,15345],{"disabled":354,"type":696}," EDD aware (will report on certification)",[24,15348,15350],{"id":15349},"at-return","At Return:",[29,15352,15354,15360,15366],{"className":15353},[688],[32,15355,15357,15359],{"className":15356},[692],[694,15358],{"disabled":354,"type":696}," Confirm first day back",[32,15361,15363,15365],{"className":15362},[692],[694,15364],{"disabled":354,"type":696}," Stop SDI certifications",[32,15367,15369,15371],{"className":15368},[692],[694,15370],{"disabled":354,"type":696}," Notify Hartford of actual return date",[24,15373,15375],{"id":15374},"after-return","After Return:",[29,15377,15379,15385,15391,15397],{"className":15378},[688],[32,15380,15382,15384],{"className":15381},[692],[694,15383],{"disabled":354,"type":696}," Verify final SDI payment is correct",[32,15386,15388,15390],{"className":15387},[692],[694,15389],{"disabled":354,"type":696}," Verify final LTD payment is correct",[32,15392,15394,15396],{"className":15393},[692],[694,15395],{"disabled":354,"type":696}," Check for erroneous future payments",[32,15398,15400,15402],{"className":15399},[692],[694,15401],{"disabled":354,"type":696}," Save all documentation",[19,15404,806],{"id":805},[29,15406,15407,15412,15417],{},[32,15408,15409,15411],{},[35,15410,277],{"href":276}," - Track all steps",[32,15413,15414,15416],{},[35,15415,295],{"href":294}," - EDD and Hartford contacts",[32,15418,15419,15421],{},[35,15420,286],{"href":285}," - Plan your transition",{"title":334,"searchDepth":335,"depth":335,"links":15423},[15424,15428,15433,15438,15443,15448,15452,15456,15460,15465,15470],{"id":14786,"depth":335,"text":14787,"children":15425},[15426,15427],{"id":14790,"depth":340,"text":14791},{"id":14835,"depth":340,"text":14836},{"id":14855,"depth":335,"text":14856,"children":15429},[15430,15431,15432],{"id":14859,"depth":340,"text":14860},{"id":14890,"depth":340,"text":14891},{"id":14923,"depth":340,"text":14924},{"id":14933,"depth":335,"text":14934,"children":15434},[15435,15436,15437],{"id":14937,"depth":340,"text":14860},{"id":14956,"depth":340,"text":14957},{"id":14971,"depth":340,"text":14972},{"id":14989,"depth":335,"text":14990,"children":15439},[15440,15441,15442],{"id":14993,"depth":340,"text":14994},{"id":15012,"depth":340,"text":15013},{"id":15035,"depth":340,"text":15036},{"id":15055,"depth":335,"text":15056,"children":15444},[15445,15446,15447],{"id":15059,"depth":340,"text":15060},{"id":15069,"depth":340,"text":15070},{"id":15099,"depth":340,"text":15100},{"id":15122,"depth":335,"text":15123,"children":15449},[15450,15451],{"id":15126,"depth":340,"text":15127},{"id":15147,"depth":340,"text":15148},{"id":5610,"depth":335,"text":5611,"children":15453},[15454,15455],{"id":15167,"depth":340,"text":15168},{"id":15191,"depth":340,"text":15192},{"id":15212,"depth":335,"text":15213,"children":15457},[15458,15459],{"id":15216,"depth":340,"text":15217},{"id":15234,"depth":340,"text":15235},{"id":15255,"depth":335,"text":15256,"children":15461},[15462,15463,15464],{"id":15259,"depth":340,"text":15260},{"id":15274,"depth":340,"text":15275},{"id":15292,"depth":340,"text":15293},{"id":9600,"depth":335,"text":277,"children":15466},[15467,15468,15469],{"id":15312,"depth":340,"text":15313},{"id":15349,"depth":340,"text":15350},{"id":15374,"depth":340,"text":15375},{"id":805,"depth":335,"text":806},"Transitioning from disability back to flying","i-lucide-plane-takeoff",{},{"title":249,"description":15471},"guide\u002Fspecial\u002Freturning-to-work","Zg2rZR2DAnsc94Y5zjcXR6iVqBZvNYXKsiG2iKjDqZ8",{"id":15478,"title":127,"body":15479,"description":16105,"extension":350,"icon":16106,"lastUpdated":850,"meta":16107,"navigation":354,"order":16108,"path":126,"seo":16109,"stem":16110,"__hash__":16111},"guide\u002Fguide\u002Ffiling\u002Frequired-documentation.md",{"type":8,"value":15480,"toc":16081},[15481,15484,15487,15491,15494,15498,15517,15521,15524,15548,15558,15583,15599,15603,15625,15629,15636,15640,15658,15667,15671,15674,15678,15686,15690,15696,15700,15703,15708,15722,15733,15737,15740,15772,15778,15782,15785,15791,15795,15798,15803,15823,15828,15860,15864,15867,15881,15884,15888,15893,15907,15912,15923,15927,15930,15958,15968,15972,15975,15980,16012,16017,16038,16043,16064,16066],[11,15482,127],{"id":15483},"required-documentation",[15,15485,15486],{},"A complete, accurate claim with proper documentation processes faster. Here's everything you need.",[19,15488,15490],{"id":15489},"core-required-information","Core Required Information",[15,15492,15493],{},"Have this information ready before you start your online application:",[24,15495,15497],{"id":15496},"_1-personal-details","1. Personal Details",[29,15499,15500,15503,15505,15508,15511,15514],{},[32,15501,15502],{},"Full Name (as it appears on your SSN card)",[32,15504,6040],{},[32,15506,15507],{},"Date of Birth",[32,15509,15510],{},"Driver's License or ID card number",[32,15512,15513],{},"Email address & Phone number",[32,15515,15516],{},"Mailing Address (Crucial for receiving your benefit debit card)",[24,15518,15520],{"id":15519},"_2-employment-information","2. Employment Information",[15,15522,15523],{},"When filling out state forms, use the following contact information for your supervisor and for any employment verification requirements:",[29,15525,15526,15531,15537,15543],{},[32,15527,15528,15530],{},[263,15529,2502],{},": Federal Express Corporation",[32,15532,15533,15536],{},[263,15534,15535],{},"Address",": 3620 Hacks Cross Rd, Building B, 3rd floor, Memphis, TN 38125",[32,15538,15539,15542],{},[263,15540,15541],{},"Contact Person",": Sheila Voye (Pilot Administration Center - Fleet Operations, Emp# 275964)",[32,15544,15545,15547],{},[263,15546,7522],{},": 901-434-5000",[376,15549,15551],{"title":15550,"type":574},"Contact the PAC",[15,15552,15553,15554,15557],{},"If you claim SDI benefits, contact the ",[263,15555,15556],{},"Pilot Admin Center (PAC)"," at 901-434-5000 for assistance. They can assist with contacting Pilot Benefits Administration and the payroll department if required.",[29,15559,15560,15566,15571,15577],{},[32,15561,15562,15565],{},[263,15563,15564],{},"Last Day Worked",": The date of your last flight or duty period",[32,15567,15568,15570],{},[263,15569,2271],{},": Still employed (if on leave)",[32,15572,15573,15576],{},[263,15574,15575],{},"Reason for Not Working",": Medical\u002FDisability",[32,15578,15579,15582],{},[263,15580,15581],{},"Compensation",": Be prepared to report any sick pay, vacation pay, or other income received after your last day worked.",[376,15584,15586],{"title":15585,"type":574},"Payroll Submission Address",[15,15587,15588,15589,15592,15593,15596,15598],{},"The following address is used by the FedEx payroll department specifically to ",[263,15590,15591],{},"submit CA SDI payments",". While usually not needed on the claimant form, you may need it if a representative asks for the \"Payroll address on file\":",[15594,15595],"br",{},[263,15597,10435],{},", 30 FedEx Parkway, 2nd Floor Horizontal, Collierville, TN 38017.",[24,15600,15602],{"id":15601},"_3-medical-information","3. Medical Information",[29,15604,15605,15608,15611,15614,15619,15622],{},[32,15606,15607],{},"Treating Physician's Name",[32,15609,15610],{},"Physician's Mailing Address",[32,15612,15613],{},"Physician's Phone & Fax number",[32,15615,15616],{},[263,15617,15618],{},"Physician's Medical License Number",[32,15620,15621],{},"Date the disability began",[32,15623,15624],{},"General nature of your disability",[19,15626,15628],{"id":15627},"the-physician-certification-critical-step","The Physician Certification (Critical Step)",[15,15630,15631,15632,15635],{},"The most common cause of claim delays is the lack of medical certification (Part B). Your claim is ",[263,15633,15634],{},"not complete"," until your doctor submits this.",[24,15637,15639],{"id":15638},"how-to-ensure-it-happens","How to Ensure it Happens:",[441,15641,15642,15652],{},[32,15643,15644,15647,15648,15651],{},[263,15645,15646],{},"Online (Preferred)",": After you file Part A, you will receive a ",[263,15649,15650],{},"Claim Receipt Number",". Provide this number to your doctor. They use it to link their certification to your claim in the SDI Online portal.",[32,15653,15654,15657],{},[263,15655,15656],{},"Paper (Slow)",": If using mail, you must mail the Form DE 2501 Part B to your doctor to complete and mail in.",[376,15659,15661],{"title":15660,"type":425},"Deadline for Certification",[15,15662,15663,15664,15666],{},"Both you and your doctor must submit your respective parts within ",[263,15665,385],{}," of your disability beginning.",[19,15668,15670],{"id":15669},"supporting-documentation","Supporting Documentation",[15,15672,15673],{},"These items help EDD verify your wages and pilot pay structure:",[24,15675,15677],{"id":15676},"wage-documentation","Wage Documentation",[29,15679,15680,15683],{},[32,15681,15682],{},"Your last 4 pay stubs (to prove CA SDI was withheld)",[32,15684,15685],{},"Your most recent W-2",[24,15687,15689],{"id":15688},"what-fedex-submitted-to-edd-if-issues-arise","What FedEx Submitted to EDD (If Issues Arise)",[15,15691,15692,15693,15695],{},"If your claim is denied or delayed due to wage or pay-date confusion, request a copy of the data FedEx transmitted to EDD. See ",[35,15694,72],{"href":71}," for why this matters and who to contact.",[24,15697,15699],{"id":15698},"pilot-pay-explanation-cover-letter","Pilot Pay Explanation Cover Letter",[15,15701,15702],{},"Because airline pilot pay (trips, per diem, offsets) is unusual, we recommend submitting a cover letter explaining your pay structure.",[15,15704,15705],{},[263,15706,15707],{},"What to include:",[29,15709,15710,15713,15716,15719],{},[32,15711,15712],{},"Semi-monthly pay frequency",[32,15714,15715],{},"Explanation of Trip Pay vs. Per Diem",[32,15717,15718],{},"Clarification that Sick Pay may be listed as \"Regular Pay\"",[32,15720,15721],{},"Note that light duty is not available for pilots",[376,15723,15725],{"title":15724,"type":2303},"Use the Template",[15,15726,15727,15728,15732],{},"Go to the ",[263,15729,15730],{},[35,15731,304],{"href":303}," page to download a pre-written cover letter for FedEx pilots.",[19,15734,15736],{"id":15735},"who-can-certify-your-disability","Who Can Certify Your Disability?",[15,15738,15739],{},"EDD accepts certifications from the following licensed practitioners:",[29,15741,15742,15745,15748,15751,15754,15757,15760,15763,15766,15769],{},[32,15743,15744],{},"Medical Doctors (MD)",[32,15746,15747],{},"Doctors of Osteopathy (DO)",[32,15749,15750],{},"Nurse Practitioners (NP)",[32,15752,15753],{},"Physician Assistants (PA)",[32,15755,15756],{},"Chiropractors (for musculoskeletal only)",[32,15758,15759],{},"Psychologists (for mental health)",[32,15761,15762],{},"Dentists (for dental)",[32,15764,15765],{},"Optometrists (for eye conditions)",[32,15767,15768],{},"Podiatrists (for foot)",[32,15770,15771],{},"Nurse Midwives (for pregnancy)",[376,15773,15775],{"title":15774,"type":574},"OAK Domicile Pilots",[15,15776,15777],{},"Many OAK domicile pilots use specialists in the Bay Area. Ensure your specialist is familiar with SDI Online, as it significantly speeds up processing.",[24,15779,15781],{"id":15780},"work-history-clarification","Work History Clarification",[15,15783,15784],{},"If your last months show mixed regular\u002Fsick pay:",[413,15786,15789],{"className":15787,"code":15788,"language":418},[416],"WORK HISTORY CLARIFICATION\n\nMonth       | Status          | Type of Pay\n------------|-----------------|------------------\nJanuary     | Working         | Flight Pay\nFebruary    | Working         | Flight Pay\nMarch       | Partial Sick    | Mixed\nApril       | Full Sick Leave | Sick Pay Only\nMay         | Disabled        | No Pay\n",[420,15790,15788],{"__ignoreMap":334},[19,15792,15794],{"id":15793},"documentation-for-in-person-filing","Documentation for In-Person Filing",[15,15796,15797],{},"If filing in person, bring:",[15,15799,15800],{},[263,15801,15802],{},"Required:",[29,15804,15806,15812,15818],{"className":15805},[688],[32,15807,15809,15811],{"className":15808},[692],[694,15810],{"disabled":354,"type":696}," Photo ID (driver's license or state ID)",[32,15813,15815,15817],{"className":15814},[692],[694,15816],{"disabled":354,"type":696}," Social Security number (memorized is fine)",[32,15819,15821,6260],{"className":15820},[692],[694,15822],{"disabled":354,"type":696},[15,15824,15825],{},[263,15826,15827],{},"Helpful:",[29,15829,15831,15837,15842,15848,15854],{"className":15830},[688],[32,15832,15834,15836],{"className":15833},[692],[694,15835],{"disabled":354,"type":696}," Last 3 pay stubs",[32,15838,15840,12480],{"className":15839},[692],[694,15841],{"disabled":354,"type":696},[32,15843,15845,15847],{"className":15844},[692],[694,15846],{"disabled":354,"type":696}," Written explanation of pilot pay",[32,15849,15851,15853],{"className":15850},[692],[694,15852],{"disabled":354,"type":696}," Calculator results showing your expected benefit",[32,15855,15857,15859],{"className":15856},[692],[694,15858],{"disabled":354,"type":696}," List of dates (last worked, disability start, etc.)",[19,15861,15863],{"id":15862},"what-not-to-include","What NOT to Include",[15,15865,15866],{},"Don't submit unless specifically requested:",[29,15868,15869,15872,15875,15878],{},[32,15870,15871],{},"❌ Entire medical history",[32,15873,15874],{},"❌ Every pay stub ever",[32,15876,15877],{},"❌ Irrelevant personal documents",[32,15879,15880],{},"❌ Duplicates of documents",[15,15882,15883],{},"More documents ≠ faster processing. Include what's needed and relevant.",[19,15885,15887],{"id":15886},"keeping-copies","Keeping Copies",[15,15889,15890],{},[263,15891,15892],{},"Always Keep Copies Of:",[29,15894,15895,15898,15901,15904],{},[32,15896,15897],{},"Every document you submit",[32,15899,15900],{},"Every form you complete",[32,15902,15903],{},"All correspondence from EDD",[32,15905,15906],{},"Your confirmation number and dates",[15,15908,15909],{},[263,15910,15911],{},"Organize By:",[29,15913,15914,15917,15920],{},[32,15915,15916],{},"Date submitted",[32,15918,15919],{},"Type of document",[32,15921,15922],{},"Whether it was for EDD or Hartford",[19,15924,15926],{"id":15925},"if-edd-requests-additional-documents","If EDD Requests Additional Documents",[15,15928,15929],{},"When EDD requests more documentation:",[441,15931,15932,15938,15943,15948,15953],{},[32,15933,15934,15937],{},[263,15935,15936],{},"Read the request carefully"," - What specifically do they want?",[32,15939,15940,15942],{},[263,15941,2951],{}," - Delays extend your processing time",[32,15944,15945,15947],{},[263,15946,2954],{}," - Don't overwhelm with extras",[32,15949,15950,15952],{},[263,15951,2957],{}," - Of everything you send",[32,15954,15955,15957],{},[263,15956,10698],{}," - When you responded",[376,15959,15961],{"title":15960,"type":425},"EDD May Re-Request",[15,15962,15963,15964,15967],{},"EDD sometimes requests documents you've already sent. When responding, note \"Previously submitted on ",[4969,15965,15966],{},"date","\" and send again anyway.",[19,15969,15971],{"id":15970},"document-checklist","Document Checklist",[15,15973,15974],{},"Use this checklist before filing:",[15,15976,15977],{},[263,15978,15979],{},"Core Requirements:",[29,15981,15983,15989,15995,16001,16007],{"className":15982},[688],[32,15984,15986,15988],{"className":15985},[692],[694,15987],{"disabled":354,"type":696}," Doctor's name, phone, address, license number verified",[32,15990,15992,15994],{"className":15991},[692],[694,15993],{"disabled":354,"type":696}," Social Security Number ready",[32,15996,15998,16000],{"className":15997},[692],[694,15999],{"disabled":354,"type":696}," Photo ID information ready",[32,16002,16004,16006],{"className":16003},[692],[694,16005],{"disabled":354,"type":696}," Last day worked date confirmed",[32,16008,16010,12741],{"className":16009},[692],[694,16011],{"disabled":354,"type":696},[15,16013,16014],{},[263,16015,16016],{},"Supporting Documents Ready:",[29,16018,16020,16026,16032],{"className":16019},[688],[32,16021,16023,16025],{"className":16022},[692],[694,16024],{"disabled":354,"type":696}," Recent pay stubs (if needed)",[32,16027,16029,16031],{"className":16028},[692],[694,16030],{"disabled":354,"type":696}," W-2 forms (if needed)",[32,16033,16035,16037],{"className":16034},[692],[694,16036],{"disabled":354,"type":696}," Pilot pay explanation (if including)",[15,16039,16040],{},[263,16041,16042],{},"Organized and Accessible:",[29,16044,16046,16052,16058],{"className":16045},[688],[32,16047,16049,16051],{"className":16048},[692],[694,16050],{"disabled":354,"type":696}," All documents saved digitally",[32,16053,16055,16057],{"className":16054},[692],[694,16056],{"disabled":354,"type":696}," Printed copies if filing in person",[32,16059,16061,16063],{"className":16060},[692],[694,16062],{"disabled":354,"type":696}," Contact info if EDD needs to reach you",[19,16065,806],{"id":805},[29,16067,16068,16072,16077],{},[32,16069,16070,819],{},[35,16071,120],{"href":119},[32,16073,16074,16076],{},[35,16075,6361],{"href":139}," - What to expect next",[32,16078,16079,10826],{},[35,16080,277],{"href":276},{"title":334,"searchDepth":335,"depth":335,"links":16082},[16083,16088,16091,16096,16099,16100,16101,16102,16103,16104],{"id":15489,"depth":335,"text":15490,"children":16084},[16085,16086,16087],{"id":15496,"depth":340,"text":15497},{"id":15519,"depth":340,"text":15520},{"id":15601,"depth":340,"text":15602},{"id":15627,"depth":335,"text":15628,"children":16089},[16090],{"id":15638,"depth":340,"text":15639},{"id":15669,"depth":335,"text":15670,"children":16092},[16093,16094,16095],{"id":15676,"depth":340,"text":15677},{"id":15688,"depth":340,"text":15689},{"id":15698,"depth":340,"text":15699},{"id":15735,"depth":335,"text":15736,"children":16097},[16098],{"id":15780,"depth":340,"text":15781},{"id":15793,"depth":335,"text":15794},{"id":15862,"depth":335,"text":15863},{"id":15886,"depth":335,"text":15887},{"id":15925,"depth":335,"text":15926},{"id":15970,"depth":335,"text":15971},{"id":805,"depth":335,"text":806},"Documents needed for your SDI claim","i-lucide-file-check",{},4,{"title":127,"description":16105},"guide\u002Ffiling\u002Frequired-documentation","ihPTbYKiyPYD4OK_6St_zg5EDxKVfrvQKktn5Y2rjsM",{"id":16113,"title":195,"body":16114,"description":16752,"extension":350,"icon":16753,"lastUpdated":850,"meta":16754,"navigation":354,"order":16108,"path":194,"seo":16755,"stem":16756,"__hash__":16757},"guide\u002Fguide\u002Fhartford\u002Fpbrb.md",{"type":8,"value":16115,"toc":16713},[16116,16120,16123,16127,16130,16144,16150,16154,16158,16161,16175,16179,16193,16197,16244,16248,16252,16255,16263,16267,16270,16281,16285,16288,16302,16306,16309,16323,16327,16330,16341,16345,16349,16414,16418,16423,16440,16444,16458,16462,16466,16472,16477,16491,16495,16500,16504,16530,16534,16536,16562,16564,16590,16594,16598,16611,16615,16629,16633,16635,16646,16650,16661,16663,16666,16669,16680,16683,16694,16696],[11,16117,16119],{"id":16118},"the-pbrb-process","The PBRB Process",[15,16121,16122],{},"The Pilot Benefit Review Board (PBRB) is a dispute resolution option available to FedEx pilots for certain benefit issues.",[19,16124,16126],{"id":16125},"what-is-pbrb","What Is PBRB?",[15,16128,16129],{},"The PBRB is:",[29,16131,16132,16135,16138,16141],{},[32,16133,16134],{},"A joint committee of pilots and management",[32,16136,16137],{},"Established through the collective bargaining agreement",[32,16139,16140],{},"An alternative to litigation for benefit disputes",[32,16142,16143],{},"Specific to FedEx pilots",[376,16145,16147],{"title":16146,"type":574},"Check Current CBA",[15,16148,16149],{},"PBRB procedures may change with contract negotiations. Verify current procedures with ALPA or the Master Executive Council.",[19,16151,16153],{"id":16152},"when-to-use-pbrb","When to Use PBRB",[24,16155,16157],{"id":16156},"appropriate-issues","Appropriate Issues",[15,16159,16160],{},"PBRB may be used for:",[29,16162,16163,16166,16169,16172],{},[32,16164,16165],{},"Disputes over benefit calculations",[32,16167,16168],{},"Interpretation of benefit plan language",[32,16170,16171],{},"Disagreements with Hartford on offset calculations",[32,16173,16174],{},"Policy interpretation questions",[24,16176,16178],{"id":16177},"not-appropriate-for","Not Appropriate For",[29,16180,16181,16184,16187,16190],{},[32,16182,16183],{},"Initial claim denials (use Hartford appeal first)",[32,16185,16186],{},"EDD\u002FSDI issues (state process, not PBRB)",[32,16188,16189],{},"Issues outside the benefit plan",[32,16191,16192],{},"Employment disputes",[19,16194,16196],{"id":16195},"pbrb-vs-other-options","PBRB vs. Other Options",[490,16198,16199,16210],{},[493,16200,16201],{},[496,16202,16203,16206,16208],{},[499,16204,16205],{},"Option",[499,16207,5854],{},[499,16209,286],{},[506,16211,16212,16223,16233],{},[496,16213,16214,16217,16220],{},[511,16215,16216],{},"Hartford Appeal",[511,16218,16219],{},"Initial denials",[511,16221,16222],{},"180 days to file",[496,16224,16225,16228,16231],{},[511,16226,16227],{},"PBRB",[511,16229,16230],{},"Calculation\u002Finterpretation disputes",[511,16232,8150],{},[496,16234,16235,16238,16241],{},[511,16236,16237],{},"ERISA Lawsuit",[511,16239,16240],{},"Final resort after appeals",[511,16242,16243],{},"2-3 years",[19,16245,16247],{"id":16246},"how-pbrb-works","How PBRB Works",[24,16249,16251],{"id":16250},"step-1-exhaust-other-remedies","Step 1: Exhaust Other Remedies",[15,16253,16254],{},"Before PBRB:",[29,16256,16257,16260],{},[32,16258,16259],{},"Complete Hartford's internal appeal process",[32,16261,16262],{},"Document all previous attempts to resolve",[24,16264,16266],{"id":16265},"step-2-request-pbrb-review","Step 2: Request PBRB Review",[15,16268,16269],{},"Contact ALPA or the Master Executive Council to:",[29,16271,16272,16275,16278],{},[32,16273,16274],{},"Confirm PBRB is appropriate for your issue",[32,16276,16277],{},"Obtain current procedures",[32,16279,16280],{},"Get the required forms",[24,16282,16284],{"id":16283},"step-3-submit-your-case","Step 3: Submit Your Case",[15,16286,16287],{},"Prepare and submit:",[29,16289,16290,16293,16296,16299],{},[32,16291,16292],{},"Detailed statement of the issue",[32,16294,16295],{},"All relevant documentation",[32,16297,16298],{},"Previous appeal decisions",[32,16300,16301],{},"Your requested resolution",[24,16303,16305],{"id":16304},"step-4-pbrb-review","Step 4: PBRB Review",[15,16307,16308],{},"The board:",[29,16310,16311,16314,16317,16320],{},[32,16312,16313],{},"Reviews your submission",[32,16315,16316],{},"May request additional information",[32,16318,16319],{},"Discusses with relevant parties",[32,16321,16322],{},"Makes a determination",[24,16324,16326],{"id":16325},"step-5-decision","Step 5: Decision",[15,16328,16329],{},"PBRB issues:",[29,16331,16332,16335,16338],{},[32,16333,16334],{},"Written decision",[32,16336,16337],{},"Explanation of reasoning",[32,16339,16340],{},"Direction for resolution (if in your favor)",[19,16342,16344],{"id":16343},"preparing-your-pbrb-case","Preparing Your PBRB Case",[24,16346,16348],{"id":16347},"documentation-needed","Documentation Needed",[441,16350,16351,16367,16382,16398],{},[32,16352,16353,16356],{},[263,16354,16355],{},"Complete claim file",[29,16357,16358,16361,16364],{},[32,16359,16360],{},"All correspondence with Hartford",[32,16362,16363],{},"All appeal decisions",[32,16365,16366],{},"All medical records submitted",[32,16368,16369,16371],{},[263,16370,4993],{},[29,16372,16373,16376,16379],{},[32,16374,16375],{},"LTD policy",[32,16377,16378],{},"Relevant sections highlighted",[32,16380,16381],{},"Your interpretation",[32,16383,16384,16387],{},[263,16385,16386],{},"Calculation details",[29,16388,16389,16392,16395],{},[32,16390,16391],{},"Hartford's calculation",[32,16393,16394],{},"Your calculation",[32,16396,16397],{},"Where they differ",[32,16399,16400,16403],{},[263,16401,16402],{},"Supporting evidence",[29,16404,16405,16408,16411],{},[32,16406,16407],{},"Expert opinions",[32,16409,16410],{},"Comparable cases (if available)",[32,16412,16413],{},"Anything supporting your position",[24,16415,16417],{"id":16416},"writing-your-statement","Writing Your Statement",[15,16419,16420],{},[263,16421,16422],{},"Structure:",[441,16424,16425,16428,16431,16434,16437],{},[32,16426,16427],{},"Summary of the issue (1 paragraph)",[32,16429,16430],{},"Background facts (chronological)",[32,16432,16433],{},"Hartford's position",[32,16435,16436],{},"Your position and why you're correct",[32,16438,16439],{},"Requested remedy",[15,16441,16442],{},[263,16443,13861],{},[29,16445,16446,16449,16452,16455],{},[32,16447,16448],{},"Be factual, not emotional",[32,16450,16451],{},"Quote specific policy language",[32,16453,16454],{},"Show your math if calculation dispute",[32,16456,16457],{},"Be concise but complete",[19,16459,16461],{"id":16460},"sample-pbrb-request-issues","Sample PBRB Request Issues",[24,16463,16465],{"id":16464},"offset-calculation-dispute","Offset Calculation Dispute",[15,16467,16468,16471],{},[263,16469,16470],{},"Issue:"," Hartford using incorrect SDI amount in offset",[15,16473,16474],{},[263,16475,16476],{},"Argument:",[29,16478,16479,16482,16485,16488],{},[32,16480,16481],{},"Actual SDI received: $X\u002Fmonth",[32,16483,16484],{},"Hartford offsetting: $Y\u002Fmonth",[32,16486,16487],{},"Difference: $Z\u002Fmonth",[32,16489,16490],{},"Request: Correct to actual amount",[24,16492,16494],{"id":16493},"policy-interpretation","Policy Interpretation",[15,16496,16497,16499],{},[263,16498,16470],{}," Definition of \"pre-disability earnings\"",[15,16501,16502],{},[263,16503,16476],{},[29,16505,16506,16512,16518,16524],{},[32,16507,16508,16509],{},"Policy says ",[4969,16510,16511],{},"quote",[32,16513,16514,16515],{},"Hartford interprets as ",[4969,16516,16517],{},"their interpretation",[32,16519,16520,16521],{},"Correct interpretation is ",[4969,16522,16523],{},"your interpretation",[32,16525,16526,16527],{},"Because ",[4969,16528,16529],{},"reasoning",[19,16531,16533],{"id":16532},"pbrb-advantages","PBRB Advantages",[24,16535,5921],{"id":5920},[29,16537,16538,16544,16550,16556],{},[32,16539,16540,16543],{},[263,16541,16542],{},"Pilot representation"," - Pilots on the board understand your situation",[32,16545,16546,16549],{},[263,16547,16548],{},"Faster than litigation"," - Typically quicker than federal court",[32,16551,16552,16555],{},[263,16553,16554],{},"No attorney required"," - Though you can have help",[32,16557,16558,16561],{},[263,16559,16560],{},"Binding on company"," - Decisions are enforceable",[24,16563,5936],{"id":5935},[29,16565,16566,16572,16578,16584],{},[32,16567,16568,16571],{},[263,16569,16570],{},"Limited scope"," - Not all issues qualify",[32,16573,16574,16577],{},[263,16575,16576],{},"Must exhaust appeals first"," - Can't skip Hartford process",[32,16579,16580,16583],{},[263,16581,16582],{},"Outcome uncertain"," - No guarantee of favorable decision",[32,16585,16586,16589],{},[263,16587,16588],{},"Process may vary"," - Procedures change over time",[19,16591,16593],{"id":16592},"after-pbrb-decision","After PBRB Decision",[24,16595,16597],{"id":16596},"if-favorable","If Favorable",[29,16599,16600,16603,16606,16608],{},[32,16601,16602],{},"Company must implement the decision",[32,16604,16605],{},"Work with Hartford to correct",[32,16607,1822],{},[32,16609,16610],{},"Verify corrections made",[24,16612,16614],{"id":16613},"if-unfavorable","If Unfavorable",[29,16616,16617,16620,16623,16626],{},[32,16618,16619],{},"ERISA lawsuit may still be an option",[32,16621,16622],{},"Consult with attorney",[32,16624,16625],{},"Review decision for errors",[32,16627,16628],{},"Consider if further action worthwhile",[19,16630,16632],{"id":16631},"getting-help-with-pbrb","Getting Help with PBRB",[24,16634,11238],{"id":11237},[29,16636,16637,16640,16643],{},[32,16638,16639],{},"Master Executive Council",[32,16641,16642],{},"Contract specialists",[32,16644,16645],{},"Pilots who've been through the process",[24,16647,16649],{"id":16648},"legal-assistance","Legal Assistance",[29,16651,16652,16655,16658],{},[32,16653,16654],{},"Some ERISA attorneys familiar with PBRB",[32,16656,16657],{},"Can advise on whether PBRB or litigation better",[32,16659,16660],{},"May assist with preparation even if not representing",[19,16662,15060],{"id":15059},[24,16664,16153],{"id":16665},"when-to-use-pbrb-1",[15,16667,16668],{},"Consider PBRB when:",[29,16670,16671,16674,16677],{},[32,16672,16673],{},"Issue is clearly about interpretation\u002Fcalculation",[32,16675,16676],{},"You have strong documentary support",[32,16678,16679],{},"Issue is likely to recur (sets precedent)",[15,16681,16682],{},"Consider litigation when:",[29,16684,16685,16688,16691],{},[32,16686,16687],{},"Issue requires extensive factual development",[32,16689,16690],{},"Stakes are very high",[32,16692,16693],{},"Legal complexity requires court review",[19,16695,806],{"id":805},[29,16697,16698,16703,16708],{},[32,16699,16700,16702],{},[35,16701,10864],{"href":187}," - First, exhaust appeals",[32,16704,16705,16707],{},[35,16706,295],{"href":294}," - ALPA and Hartford contact info",[32,16709,16710,16712],{},[35,16711,304],{"href":303}," - Request letter templates",{"title":334,"searchDepth":335,"depth":335,"links":16714},[16715,16716,16720,16721,16728,16732,16736,16740,16744,16748,16751],{"id":16125,"depth":335,"text":16126},{"id":16152,"depth":335,"text":16153,"children":16717},[16718,16719],{"id":16156,"depth":340,"text":16157},{"id":16177,"depth":340,"text":16178},{"id":16195,"depth":335,"text":16196},{"id":16246,"depth":335,"text":16247,"children":16722},[16723,16724,16725,16726,16727],{"id":16250,"depth":340,"text":16251},{"id":16265,"depth":340,"text":16266},{"id":16283,"depth":340,"text":16284},{"id":16304,"depth":340,"text":16305},{"id":16325,"depth":340,"text":16326},{"id":16343,"depth":335,"text":16344,"children":16729},[16730,16731],{"id":16347,"depth":340,"text":16348},{"id":16416,"depth":340,"text":16417},{"id":16460,"depth":335,"text":16461,"children":16733},[16734,16735],{"id":16464,"depth":340,"text":16465},{"id":16493,"depth":340,"text":16494},{"id":16532,"depth":335,"text":16533,"children":16737},[16738,16739],{"id":5920,"depth":340,"text":5921},{"id":5935,"depth":340,"text":5936},{"id":16592,"depth":335,"text":16593,"children":16741},[16742,16743],{"id":16596,"depth":340,"text":16597},{"id":16613,"depth":340,"text":16614},{"id":16631,"depth":335,"text":16632,"children":16745},[16746,16747],{"id":11237,"depth":340,"text":11238},{"id":16648,"depth":340,"text":16649},{"id":15059,"depth":335,"text":15060,"children":16749},[16750],{"id":16665,"depth":340,"text":16153},{"id":805,"depth":335,"text":806},"Using the Pilot Benefit Review Board for disputes","i-lucide-users",{},{"title":195,"description":16752},"guide\u002Fhartford\u002Fpbrb","GjLCipYqV4znsxK5jkYexKkw0kUx4UBlkdohZ5OGiZU",{"id":16759,"title":59,"body":16760,"description":17211,"extension":350,"icon":17212,"lastUpdated":850,"meta":17213,"navigation":354,"order":16108,"path":58,"seo":17214,"stem":17215,"__hash__":17216},"guide\u002Fguide\u002Foverview\u002Fwhy-this-guide.md",{"type":8,"value":16761,"toc":17187},[16762,16765,16768,16772,16776,16779,16811,16815,16818,16832,16835,16839,16842,16868,16872,16876,16879,16896,16900,16903,16929,16933,16937,16940,16954,16958,16961,16975,16979,16982,16996,17000,17003],[11,16763,59],{"id":16764},"why-this-guide-exists",[15,16766,16767],{},"Every pilot who has navigated the CA SDI process has had to figure it out largely from scratch. This guide exists to change that.",[19,16769,16771],{"id":16770},"the-problem","The Problem",[24,16773,16775],{"id":16774},"information-asymmetry","Information Asymmetry",[15,16777,16778],{},"When you become disabled as a California-based FedEx pilot, you encounter:",[29,16780,16781,16787,16793,16799,16805],{},[32,16782,16783,16786],{},[263,16784,16785],{},"No official documentation"," specifically for pilot claims",[32,16788,16789,16792],{},[263,16790,16791],{},"EDD systems"," designed for typical W-2 employees, not pilots",[32,16794,16795,16798],{},[263,16796,16797],{},"Pay structures"," that don't translate well to EDD's understanding",[32,16800,16801,16804],{},[263,16802,16803],{},"Two bureaucracies"," (EDD and Hartford) that don't coordinate",[32,16806,16807,16810],{},[263,16808,16809],{},"Time pressure"," when you're already dealing with health issues",[24,16812,16814],{"id":16813},"repeated-effort","Repeated Effort",[15,16816,16817],{},"Each pilot who goes through this process:",[29,16819,16820,16823,16826,16829],{},[32,16821,16822],{},"Spends dozens of hours researching and making calls",[32,16824,16825],{},"Makes mistakes that cause delays",[32,16827,16828],{},"Discovers tips and tricks that would have saved time",[32,16830,16831],{},"Eventually figures it out—then keeps the knowledge to themselves",[15,16833,16834],{},"When that pilot recovers and moves on, the institutional knowledge is lost. The next pilot starts from scratch.",[24,16836,16838],{"id":16837},"financial-consequences","Financial Consequences",[15,16840,16841],{},"Mistakes in this process can cost you:",[29,16843,16844,16850,16856,16862],{},[32,16845,16846,16849],{},[263,16847,16848],{},"Thousands of dollars"," in delayed or reduced benefits",[32,16851,16852,16855],{},[263,16853,16854],{},"Missed deadlines"," that forfeit appeal rights",[32,16857,16858,16861],{},[263,16859,16860],{},"Bureaucratic delays"," that extend financial hardship",[32,16863,16864,16867],{},[263,16865,16866],{},"Unnecessary stress"," during an already difficult time",[19,16869,16871],{"id":16870},"the-solution","The Solution",[24,16873,16875],{"id":16874},"collective-knowledge","Collective Knowledge",[15,16877,16878],{},"This guide consolidates the experience of pilots who have successfully navigated the process:",[29,16880,16881,16884,16887,16890,16893],{},[32,16882,16883],{},"Step-by-step procedures that actually work",[32,16885,16886],{},"Common pitfalls and how to avoid them",[32,16888,16889],{},"Time-saving tips from real experience",[32,16891,16892],{},"Templates for common communications",[32,16894,16895],{},"Tools to calculate benefits and track progress",[24,16897,16899],{"id":16898},"living-document","Living Document",[15,16901,16902],{},"This resource is designed to be:",[29,16904,16905,16911,16917,16923],{},[32,16906,16907,16910],{},[263,16908,16909],{},"Updated"," when laws and rates change",[32,16912,16913,16916],{},[263,16914,16915],{},"Improved"," based on pilot feedback",[32,16918,16919,16922],{},[263,16920,16921],{},"Expanded"," as new situations are documented",[32,16924,16925,16928],{},[263,16926,16927],{},"Maintained"," by the pilot community",[19,16930,16932],{"id":16931},"who-is-this-for","Who Is This For?",[24,16934,16936],{"id":16935},"active-claimants","Active Claimants",[15,16938,16939],{},"If you're currently disabled or about to become disabled, this guide provides:",[29,16941,16942,16945,16948,16951],{},[32,16943,16944],{},"Immediate, actionable guidance",[32,16946,16947],{},"Checklists to track your progress",[32,16949,16950],{},"Calculators to understand your benefits",[32,16952,16953],{},"Templates to communicate effectively",[24,16955,16957],{"id":16956},"preparing-pilots","Preparing Pilots",[15,16959,16960],{},"If you have a surgery scheduled or anticipate a disability:",[29,16962,16963,16966,16969,16972],{},[32,16964,16965],{},"Preparation steps you can take now",[32,16967,16968],{},"Documents to gather before you need them",[32,16970,16971],{},"Understanding of the process before stress hits",[32,16973,16974],{},"Optimal timing for filing claims",[24,16976,16978],{"id":16977},"healthy-pilots","Healthy Pilots",[15,16980,16981],{},"Even if you're perfectly healthy now:",[29,16983,16984,16987,16990,16993],{},[32,16985,16986],{},"Understand what you're paying for (SDI taxes)",[32,16988,16989],{},"Know what to expect if you ever need it",[32,16991,16992],{},"Save documents proactively",[32,16994,16995],{},"Help colleagues who are going through it",[19,16997,16999],{"id":16998},"what-this-guide-doesnt-do","What This Guide Doesn't Do",[15,17001,17002],{},"To be clear about the limits:",[376,17004,17006,17032,17036,17039,17053,17056,17060,17063,17067,17093,17097,17122,17126,17151,17155,17158,17184],{"title":17005,"type":425},"Important Limitations",[29,17007,17008,17014,17020,17026],{},[32,17009,17010,17013],{},[263,17011,17012],{},"Not legal advice:"," Consult an attorney for legal questions",[32,17015,17016,17019],{},[263,17017,17018],{},"Not medical advice:"," Follow your doctor's guidance",[32,17021,17022,17025],{},[263,17023,17024],{},"Not union representation:"," Contact ALPA for official union matters",[32,17027,17028,17031],{},[263,17029,17030],{},"Not guaranteed:"," Every situation is different\n::",[19,17033,17035],{"id":17034},"the-community-aspect","The Community Aspect",[15,17037,17038],{},"This guide exists because pilots helped pilots. The information here comes from:",[29,17040,17041,17044,17047,17050],{},[32,17042,17043],{},"Pilots who documented their own experiences",[32,17045,17046],{},"Subject matter experts who contributed knowledge",[32,17048,17049],{},"Colleagues who reviewed and improved content",[32,17051,17052],{},"Everyone who shared tips and warnings",[15,17054,17055],{},"If you successfully navigate this process, consider contributing your own insights to help the next pilot.",[19,17057,17059],{"id":17058},"getting-started","Getting Started",[15,17061,17062],{},"Ready to dive in? Here's where to start:",[24,17064,17066],{"id":17065},"if-youre-currently-disabled","If You're Currently Disabled",[441,17068,17069,17075,17081,17087],{},[32,17070,17071,17072,17074],{},"Check the ",[35,17073,277],{"href":276}," to see what phase you're in",[32,17076,17077,17078],{},"Read the relevant ",[35,17079,17080],{"href":356},"Guide section",[32,17082,17083,17084,17086],{},"Use the ",[35,17085,268],{"href":267}," to understand your benefits",[32,17088,17089,17090,17092],{},"Review ",[35,17091,295],{"href":294}," for important phone numbers",[24,17094,17096],{"id":17095},"if-youre-preparing","If You're Preparing",[441,17098,17099,17104,17110,17116],{},[32,17100,17101,17102],{},"Start with ",[35,17103,13391],{"href":71},[32,17105,17106,17107],{},"Gather ",[35,17108,17109],{"href":92},"documents to save now",[32,17111,17112,17113,17115],{},"Understand the ",[35,17114,286],{"href":285}," you can expect",[32,17117,17118,17119],{},"Consider your ",[35,17120,17121],{"href":85},"sick bank strategy",[24,17123,17125],{"id":17124},"if-you-just-want-to-understand","If You Just Want to Understand",[441,17127,17128,17133,17138,17144],{},[32,17129,17130,17131],{},"Read ",[35,17132,38],{"href":37},[32,17134,17135,17136],{},"Learn about ",[35,17137,52],{"href":51},[32,17139,17140,17141,17143],{},"Explore the ",[35,17142,268],{"href":267}," with sample numbers",[32,17145,17146,17147,17150],{},"Browse the ",[35,17148,17149],{"href":356},"Guide index"," for topics of interest",[19,17152,17154],{"id":17153},"questions-or-contributions","Questions or Contributions?",[15,17156,17157],{},"If you have:",[29,17159,17160,17166,17172,17178],{},[32,17161,17162,17165],{},[263,17163,17164],{},"Corrections:"," Something that's inaccurate or outdated",[32,17167,17168,17171],{},[263,17169,17170],{},"Additions:"," Knowledge that should be included",[32,17173,17174,17177],{},[263,17175,17176],{},"Questions:"," Something not covered that should be",[32,17179,17180,17183],{},[263,17181,17182],{},"Success stories:"," Examples that could help others",[15,17185,17186],{},"We welcome your input. The goal is to make this the comprehensive resource that California-based FedEx pilots need.",{"title":334,"searchDepth":335,"depth":335,"links":17188},[17189,17194,17198,17203,17204,17205,17210],{"id":16770,"depth":335,"text":16771,"children":17190},[17191,17192,17193],{"id":16774,"depth":340,"text":16775},{"id":16813,"depth":340,"text":16814},{"id":16837,"depth":340,"text":16838},{"id":16870,"depth":335,"text":16871,"children":17195},[17196,17197],{"id":16874,"depth":340,"text":16875},{"id":16898,"depth":340,"text":16899},{"id":16931,"depth":335,"text":16932,"children":17199},[17200,17201,17202],{"id":16935,"depth":340,"text":16936},{"id":16956,"depth":340,"text":16957},{"id":16977,"depth":340,"text":16978},{"id":16998,"depth":335,"text":16999},{"id":17034,"depth":335,"text":17035},{"id":17058,"depth":335,"text":17059,"children":17206},[17207,17208,17209],{"id":17065,"depth":340,"text":17066},{"id":17095,"depth":340,"text":17096},{"id":17124,"depth":340,"text":17125},{"id":17153,"depth":335,"text":17154},"The motivation behind creating this resource for FedEx pilots","i-lucide-heart",{},{"title":59,"description":17211},"guide\u002Foverview\u002Fwhy-this-guide","LIqBamp6AV2ZBSZSldJqUwrsZrcp9DeUqyDnJy835sU",{"id":17218,"title":17219,"body":17220,"description":17909,"extension":350,"icon":17910,"lastUpdated":850,"meta":17911,"navigation":354,"order":16108,"path":160,"seo":17912,"stem":17913,"__hash__":17914},"guide\u002Fguide\u002Fpost-filing\u002Fdenied.md","If Your Claim Is Denied",{"type":8,"value":17221,"toc":17873},[17222,17226,17229,17233,17237,17240,17254,17260,17264,17346,17350,17354,17361,17366,17383,17387,17390,17401,17405,17408,17419,17421,17425,17476,17478,17484,17488,17492,17498,17502,17533,17538,17549,17553,17558,17562,17573,17577,17587,17591,17596,17600,17613,17617,17628,17632,17637,17641,17646,17650,17655,17660,17671,17676,17687,17689,17693,17698,17706,17711,17719,17724,17732,17736,17741,17752,17756,17762,17768,17772,17774,17799,17803,17814,17818,17828,17832,17836,17839,17853,17855],[11,17223,17225],{"id":17224},"if-your-sdi-claim-is-denied","If Your SDI Claim Is Denied",[15,17227,17228],{},"A denial is frustrating but not the end. Many denials are overturned on appeal.",[19,17230,17232],{"id":17231},"understanding-your-denial","Understanding Your Denial",[24,17234,17236],{"id":17235},"denial-letter","Denial Letter",[15,17238,17239],{},"You'll receive a denial letter explaining:",[29,17241,17242,17245,17248,17251],{},[32,17243,17244],{},"The reason for denial",[32,17246,17247],{},"Your appeal rights",[32,17249,17250],{},"Deadline to appeal",[32,17252,17253],{},"How to appeal",[376,17255,17257],{"title":17256,"type":425},"Read Carefully",[15,17258,17259],{},"The denial reason determines your best appeal strategy. Read the entire letter carefully.",[24,17261,17263],{"id":17262},"common-denial-reasons","Common Denial Reasons",[490,17265,17266,17278],{},[493,17267,17268],{},[496,17269,17270,17273,17275],{},[499,17271,17272],{},"Reason",[499,17274,8662],{},[499,17276,17277],{},"Appeal Strength",[506,17279,17280,17291,17302,17313,17324,17335],{},[496,17281,17282,17285,17288],{},[511,17283,17284],{},"Not disabled",[511,17286,17287],{},"EDD doesn't believe you can't work",[511,17289,17290],{},"Strong if you have medical support",[496,17292,17293,17296,17299],{},[511,17294,17295],{},"Base period wages",[511,17297,17298],{},"Not enough earnings in base period",[511,17300,17301],{},"Check if correct base period was used",[496,17303,17304,17307,17310],{},[511,17305,17306],{},"Medical certification",[511,17308,17309],{},"Doctor didn't certify properly",[511,17311,17312],{},"Strong if doctor will re-certify",[496,17314,17315,17318,17321],{},[511,17316,17317],{},"Filing deadline",[511,17319,17320],{},"Filed after 49 days",[511,17322,17323],{},"Depends on circumstances",[496,17325,17326,17329,17332],{},[511,17327,17328],{},"FedEx pay data mismatch",[511,17330,17331],{},"EDD confused by pilot pay format",[511,17333,17334],{},"Strong if you can clarify pay dates",[496,17336,17337,17340,17343],{},[511,17338,17339],{},"Not covered",[511,17341,17342],{},"Job not covered by SDI",[511,17344,17345],{},"Rare for CA employees",[19,17347,17349],{"id":17348},"your-appeal-options","Your Appeal Options",[24,17351,17353],{"id":17352},"administrative-appeal","Administrative Appeal",[15,17355,17356,17357,17360],{},"First level of appeal. Must be filed within ",[263,17358,17359],{},"30 days"," of denial.",[15,17362,17363],{},[263,17364,17365],{},"How to Appeal:",[441,17367,17368,17371,17374,17377,17380],{},[32,17369,17370],{},"Read denial letter for instructions",[32,17372,17373],{},"Complete appeal form (included or online)",[32,17375,17376],{},"Explain why you disagree",[32,17378,17379],{},"Include supporting documents",[32,17381,17382],{},"Submit before deadline",[24,17384,17386],{"id":17385},"hearing","Hearing",[15,17388,17389],{},"If administrative appeal denied, request a hearing:",[29,17391,17392,17395,17398],{},[32,17393,17394],{},"Formal hearing before Administrative Law Judge",[32,17396,17397],{},"You can present evidence and testimony",[32,17399,17400],{},"Can bring representative (attorney or other)",[24,17402,17404],{"id":17403},"court-appeal","Court Appeal",[15,17406,17407],{},"If hearing decision is unfavorable:",[29,17409,17410,17413,17416],{},[32,17411,17412],{},"Can appeal to Superior Court",[32,17414,17415],{},"Consider legal representation",[32,17417,17418],{},"More formal process",[19,17420,11020],{"id":11019},[24,17422,17424],{"id":17423},"what-to-include","What to Include",[441,17426,17427,17442,17458],{},[32,17428,17429,17432],{},[263,17430,17431],{},"Your Information",[29,17433,17434,17437,17439],{},[32,17435,17436],{},"Claim number",[32,17438,6040],{},[32,17440,17441],{},"Contact information",[32,17443,17444,17447],{},[263,17445,17446],{},"Statement of Disagreement",[29,17448,17449,17452,17455],{},[32,17450,17451],{},"What you're appealing",[32,17453,17454],{},"Why you believe it's wrong",[32,17456,17457],{},"What outcome you want",[32,17459,17460,17463],{},[263,17461,17462],{},"Supporting Evidence",[29,17464,17465,17467,17470,17473],{},[32,17466,11093],{},[32,17468,17469],{},"Doctor's statements",[32,17471,17472],{},"Wage documentation",[32,17474,17475],{},"Any relevant documents",[24,17477,11050],{"id":11049},[413,17479,17482],{"className":17480,"code":17481,"language":418},[416],"[Date]\n\nEmployment Development Department\n[Address from denial letter]\n\nRE: Appeal of SDI Denial\nClaim Number: [Your claim number]\nSSN: [Last 4 digits only]\n\nDear EDD Appeals:\n\nI am writing to appeal the denial of my State Disability\nInsurance claim dated [date of denial letter].\n\nDENIAL REASON STATED:\n[Quote the reason from their letter]\n\nMY DISAGREEMENT:\n[Explain why you believe this is incorrect]\n\nSUPPORTING EVIDENCE:\n[List documents you're including]\n\nI am an airline pilot for Federal Express. [Brief\nexplanation of your situation and why you meet SDI\nrequirements]\n\nPlease reconsider my claim based on this additional\ninformation. I can be reached at [phone] or [email]\nif you need additional information.\n\nSincerely,\n[Your signature]\n[Your printed name]\n\nAttachments:\n- [List everything attached]\n",[420,17483,17481],{"__ignoreMap":334},[19,17485,17487],{"id":17486},"common-denial-situations","Common Denial Situations",[24,17489,17491],{"id":17490},"not-disabled","\"Not Disabled\"",[15,17493,17494,17497],{},[263,17495,17496],{},"What It Means:","\nEDD doesn't believe you're unable to work.",[15,17499,17500],{},[263,17501,17365],{},[441,17503,17504,17520],{},[32,17505,17506,17507],{},"Get detailed letter from doctor explaining:",[29,17508,17509,17512,17514,17517],{},[32,17510,17511],{},"Your diagnosis",[32,17513,11088],{},[32,17515,17516],{},"Expected duration",[32,17518,17519],{},"Specific limitations",[32,17521,17522,17523],{},"Explain pilot-specific issues:",[29,17524,17525,17528,17531],{},[32,17526,17527],{},"No \"light duty\" for pilots",[32,17529,17530],{},"Any restriction grounds all flying",[32,17532,11132],{},[15,17534,17535],{},[263,17536,17537],{},"Include:",[29,17539,17540,17543,17546],{},[32,17541,17542],{},"Detailed medical records",[32,17544,17545],{},"Doctor's explicit statement",[32,17547,17548],{},"FAA medical status if relevant",[24,17550,17552],{"id":17551},"insufficient-base-period-wages","\"Insufficient Base Period Wages\"",[15,17554,17555,17557],{},[263,17556,17496],{},"\nEDD doesn't see enough wages in your base period.",[15,17559,17560],{},[263,17561,17365],{},[441,17563,17564,17567,17570],{},[32,17565,17566],{},"Verify which base period they used",[32,17568,17569],{},"Calculate if you should qualify",[32,17571,17572],{},"Provide wage documentation proving earnings",[15,17574,17575],{},[263,17576,17537],{},[29,17578,17579,17582,17584],{},[32,17580,17581],{},"Pay stubs for base period",[32,17583,13553],{},[32,17585,17586],{},"Calculation showing you qualify",[24,17588,17590],{"id":17589},"medical-certification-not-received","\"Medical Certification Not Received\"",[15,17592,17593,17595],{},[263,17594,17496],{},"\nEDD didn't receive or couldn't verify doctor's certification.",[15,17597,17598],{},[263,17599,17365],{},[441,17601,17602,17604,17607,17610],{},[32,17603,13633],{},[32,17605,17606],{},"Have them re-submit certification",[32,17608,17609],{},"Verify they're using correct license number",[32,17611,17612],{},"Ask doctor to call EDD directly if needed",[15,17614,17615],{},[263,17616,17537],{},[29,17618,17619,17622,17625],{},[32,17620,17621],{},"New, complete certification",[32,17623,17624],{},"Doctor's written statement",[32,17626,17627],{},"Proof of previous attempts if applicable",[24,17629,17631],{"id":17630},"fedex-pay-data-mismatch-pilot-specific","\"FedEx Pay Data Mismatch\" (Pilot-Specific)",[15,17633,17634,17636],{},[263,17635,17496],{},"\nEDD received confusing pay information from FedEx and denied your claim based on a misunderstanding of your pay dates or wages.",[15,17638,17639],{},[263,17640,17365],{},[15,17642,641,17643,17645],{},[35,17644,72],{"href":71}," for the full step-by-step process, including how to request the data FedEx sent, identify the mismatch, and why an in-person EDD visit is often necessary to resolve this.",[24,17647,17649],{"id":17648},"filed-after-49-day-deadline","\"Filed After 49-Day Deadline\"",[15,17651,17652,17654],{},[263,17653,17496],{},"\nEDD believes you filed too late.",[15,17656,17657],{},[263,17658,17659],{},"How to Appeal (if applicable):",[441,17661,17662,17665,17668],{},[32,17663,17664],{},"Prove you filed on time (if you did)",[32,17666,17667],{},"Show \"good cause\" for late filing if late",[32,17669,17670],{},"Document any EDD delays that contributed",[15,17672,17673],{},[263,17674,17675],{},"Good Cause Examples:",[29,17677,17678,17681,17684],{},[32,17679,17680],{},"Hospitalized and unable to file",[32,17682,17683],{},"Incorrect information from EDD",[32,17685,17686],{},"System technical failures",[19,17688,10118],{"id":10117},[24,17690,17692],{"id":17691},"free-help","Free Help",[15,17694,17695],{},[263,17696,17697],{},"EDD Ombudsman:",[29,17699,17700,17703],{},[32,17701,17702],{},"Can help with complex issues",[32,17704,17705],{},"Limited resources but worth trying",[15,17707,17708],{},[263,17709,17710],{},"Legal Aid:",[29,17712,17713,17716],{},[32,17714,17715],{},"Free legal services for qualifying individuals",[32,17717,17718],{},"Can help with appeals",[15,17720,17721],{},[263,17722,17723],{},"ALPA:",[29,17725,17726,17729],{},[32,17727,17728],{},"Union may provide guidance",[32,17730,17731],{},"Connect with other pilots who've navigated this",[24,17733,17735],{"id":17734},"paid-help","Paid Help",[15,17737,17738],{},[263,17739,17740],{},"Attorney:",[29,17742,17743,17746,17749],{},[32,17744,17745],{},"Can represent you at hearing",[32,17747,17748],{},"May work on contingency",[32,17750,17751],{},"Helpful for complex cases",[19,17753,17755],{"id":17754},"appeal-timeline","Appeal Timeline",[413,17757,17760],{"className":17758,"code":17759,"language":418},[416],"Day 0:    Denial letter received\nDay 1-5:  Read and understand denial\nDay 5-15: Gather additional documentation\nDay 15-25: Write appeal letter\nDay 25-30: Submit appeal (BEFORE 30-day deadline)\n",[420,17761,17759],{"__ignoreMap":334},[376,17763,17765],{"title":17764,"type":379},"Don't Miss the Deadline",[15,17766,17767],{},"You have 30 days from denial to appeal. Mark this deadline on your calendar immediately.",[19,17769,17771],{"id":17770},"after-appealing","After Appealing",[24,17773,1669],{"id":1668},[441,17775,17776,17782,17788,17794],{},[32,17777,17778,17781],{},[263,17779,17780],{},"Acknowledgment"," - Receipt of your appeal",[32,17783,17784,17787],{},[263,17785,17786],{},"Review"," - EDD reviews your appeal and evidence",[32,17789,17790,17793],{},[263,17791,17792],{},"Decision"," - Approval, denial, or hearing scheduled",[32,17795,17796,17798],{},[263,17797,286],{}," - Usually 30-60 days for decision",[24,17800,17802],{"id":17801},"if-approved-on-appeal","If Approved on Appeal",[29,17804,17805,17808,17811],{},[32,17806,17807],{},"Benefits issued retroactively",[32,17809,17810],{},"Covers from original disability date",[32,17812,17813],{},"May take additional time to process payment",[24,17815,17817],{"id":17816},"if-denied-on-appeal","If Denied on Appeal",[29,17819,17820,17823,17825],{},[32,17821,17822],{},"Request formal hearing",[32,17824,17415],{},[32,17826,17827],{},"Stronger case presentation needed",[19,17829,17831],{"id":17830},"preventing-future-denials","Preventing Future Denials",[24,17833,17835],{"id":17834},"if-re-filing","If Re-filing",[15,17837,17838],{},"Learn from the denial:",[29,17840,17841,17844,17847,17850],{},[32,17842,17843],{},"Address the issue that caused denial",[32,17845,17846],{},"Include comprehensive documentation upfront",[32,17848,17849],{},"Follow up on doctor certification",[32,17851,17852],{},"Consider in-person filing",[19,17854,806],{"id":805},[29,17856,17857,17863,17868],{},[32,17858,17859,17862],{},[35,17860,17861],{"href":37},"Understanding SDI"," - Review basics",[32,17864,17865,17867],{},[35,17866,304],{"href":303}," - Letter templates for appeals",[32,17869,17870,17872],{},[35,17871,295],{"href":294}," - EDD contact information",{"title":334,"searchDepth":335,"depth":335,"links":17874},[17875,17879,17884,17888,17895,17899,17900,17905,17908],{"id":17231,"depth":335,"text":17232,"children":17876},[17877,17878],{"id":17235,"depth":340,"text":17236},{"id":17262,"depth":340,"text":17263},{"id":17348,"depth":335,"text":17349,"children":17880},[17881,17882,17883],{"id":17352,"depth":340,"text":17353},{"id":17385,"depth":340,"text":17386},{"id":17403,"depth":340,"text":17404},{"id":11019,"depth":335,"text":11020,"children":17885},[17886,17887],{"id":17423,"depth":340,"text":17424},{"id":11049,"depth":340,"text":11050},{"id":17486,"depth":335,"text":17487,"children":17889},[17890,17891,17892,17893,17894],{"id":17490,"depth":340,"text":17491},{"id":17551,"depth":340,"text":17552},{"id":17589,"depth":340,"text":17590},{"id":17630,"depth":340,"text":17631},{"id":17648,"depth":340,"text":17649},{"id":10117,"depth":335,"text":10118,"children":17896},[17897,17898],{"id":17691,"depth":340,"text":17692},{"id":17734,"depth":340,"text":17735},{"id":17754,"depth":335,"text":17755},{"id":17770,"depth":335,"text":17771,"children":17901},[17902,17903,17904],{"id":1668,"depth":340,"text":1669},{"id":17801,"depth":340,"text":17802},{"id":17816,"depth":340,"text":17817},{"id":17830,"depth":335,"text":17831,"children":17906},[17907],{"id":17834,"depth":340,"text":17835},{"id":805,"depth":335,"text":806},"Understanding denials and your appeal options","i-lucide-alert-circle",{},{"title":17219,"description":17909},"guide\u002Fpost-filing\u002Fdenied","LC2t2pM8HWaXpFoiwikDRHZYapygfqiUAWhSYiUXHRM",{"id":17916,"title":93,"body":17917,"description":18626,"extension":350,"icon":18627,"lastUpdated":850,"meta":18628,"navigation":354,"order":16108,"path":92,"seo":18629,"stem":18630,"__hash__":18631},"guide\u002Fguide\u002Fpreparation\u002Fwhat-to-save.md",{"type":8,"value":17918,"toc":18593},[17919,17922,17925,17929,17932,17946,17950,17954,18012,18016,18071,18075,18128,18132,18185,18189,18193,18196,18210,18214,18217,18223,18227,18230,18241,18243,18246,18252,18256,18260,18263,18281,18287,18291,18294,18308,18312,18315,18329,18333,18336,18363,18367,18371,18374,18385,18389,18392,18406,18410,18413,18417,18444,18448,18475,18479,18506,18510,18543,18547,18574,18576],[11,17920,93],{"id":17921},"what-to-save-now",[15,17923,17924],{},"The best time to gather documents is before you need them. This guide covers everything you should save proactively.",[19,17926,17928],{"id":17927},"why-prepare-now","Why Prepare Now?",[15,17930,17931],{},"When you're dealing with a disability:",[29,17933,17934,17937,17940,17943],{},[32,17935,17936],{},"Stress is high, capacity is low",[32,17938,17939],{},"Access to systems may be limited",[32,17941,17942],{},"Deadlines don't wait for your health",[32,17944,17945],{},"Having documents ready saves critical time",[19,17947,17949],{"id":17948},"documents-to-save","Documents to Save",[24,17951,17953],{"id":17952},"employment-pay","Employment & Pay",[490,17955,17956,17968],{},[493,17957,17958],{},[496,17959,17960,17962,17965],{},[499,17961,9326],{},[499,17963,17964],{},"Retention",[499,17966,17967],{},"Location",[506,17969,17970,17980,17990,18001],{},[496,17971,17972,17975,17978],{},[511,17973,17974],{},"Pay stubs",[511,17976,17977],{},"18+ months",[511,17979,9342],{},[496,17981,17982,17984,17987],{},[511,17983,13553],{},[511,17985,17986],{},"3 years",[511,17988,17989],{},"Workday\u002FIRS",[496,17991,17992,17995,17998],{},[511,17993,17994],{},"Employee ID number",[511,17996,17997],{},"Permanent",[511,17999,18000],{},"Badge\u002FWorkday",[496,18002,18003,18006,18009],{},[511,18004,18005],{},"Employment verification letter",[511,18007,18008],{},"If available",[511,18010,18011],{},"HR request",[24,18013,18015],{"id":18014},"medical","Medical",[490,18017,18018,18028],{},[493,18019,18020],{},[496,18021,18022,18024,18026],{},[499,18023,9326],{},[499,18025,17964],{},[499,18027,17967],{},[506,18029,18030,18041,18051,18060],{},[496,18031,18032,18035,18038],{},[511,18033,18034],{},"Doctor's contact information",[511,18036,18037],{},"Current",[511,18039,18040],{},"Personal records",[496,18042,18043,18046,18048],{},[511,18044,18045],{},"Doctor's license number",[511,18047,18037],{},[511,18049,18050],{},"CA Medical Board website",[496,18052,18053,18056,18058],{},[511,18054,18055],{},"Pharmacy information",[511,18057,18037],{},[511,18059,18040],{},[496,18061,18062,18065,18068],{},[511,18063,18064],{},"Medical records release form",[511,18066,18067],{},"Blank copy",[511,18069,18070],{},"Doctor's office",[24,18072,18074],{"id":18073},"insurance-benefits","Insurance & Benefits",[490,18076,18077,18087],{},[493,18078,18079],{},[496,18080,18081,18083,18085],{},[499,18082,9326],{},[499,18084,17964],{},[499,18086,17967],{},[506,18088,18089,18099,18109,18119],{},[496,18090,18091,18094,18096],{},[511,18092,18093],{},"LTD plan summary",[511,18095,18037],{},[511,18097,18098],{},"FedEx benefits site",[496,18100,18101,18104,18106],{},[511,18102,18103],{},"LTD plan document",[511,18105,18037],{},[511,18107,18108],{},"Request from HR\u002FHartford",[496,18110,18111,18114,18117],{},[511,18112,18113],{},"Sick bank balance",[511,18115,18116],{},"Monthly screenshot",[511,18118,9342],{},[496,18120,18121,18124,18126],{},[511,18122,18123],{},"DSA bank balance",[511,18125,18116],{},[511,18127,9342],{},[24,18129,18131],{"id":18130},"contact-information","Contact Information",[490,18133,18134,18144],{},[493,18135,18136],{},[496,18137,18138,18141],{},[499,18139,18140],{},"Contact",[499,18142,18143],{},"Information to Save",[506,18145,18146,18154,18162,18169,18177],{},[496,18147,18148,18151],{},[511,18149,18150],{},"FedEx HR",[511,18152,18153],{},"Phone, email, hours",[496,18155,18156,18159],{},[511,18157,18158],{},"Benefits Service Center",[511,18160,18161],{},"Phone, account info",[496,18163,18164,18166],{},[511,18165,319],{},[511,18167,18168],{},"Phone, email",[496,18170,18171,18174],{},[511,18172,18173],{},"The Hartford",[511,18175,18176],{},"Claim phone, website",[496,18178,18179,18182],{},[511,18180,18181],{},"Nearest EDD office",[511,18183,18184],{},"Address, hours",[19,18186,18188],{"id":18187},"creating-your-file","Creating Your File",[24,18190,18192],{"id":18191},"physical-file","Physical File",[15,18194,18195],{},"Consider keeping a physical folder with:",[29,18197,18198,18201,18204,18207],{},[32,18199,18200],{},"Printed key documents",[32,18202,18203],{},"Handwritten notes",[32,18205,18206],{},"Emergency contact list",[32,18208,18209],{},"Quick reference sheet",[24,18211,18213],{"id":18212},"digital-folder","Digital Folder",[15,18215,18216],{},"Create an organized digital folder:",[413,18218,18221],{"className":18219,"code":18220,"language":418},[416],"Disability_Preparation\u002F\n├── 1_Employment\u002F\n│   ├── pay_stubs\u002F\n│   ├── w2_forms\u002F\n│   └── employee_info.txt\n├── 2_Medical\u002F\n│   ├── doctor_contacts.txt\n│   └── medical_release_form.pdf\n├── 3_Benefits\u002F\n│   ├── ltd_plan_summary.pdf\n│   ├── sick_bank_screenshot.png\n│   └── dsa_bank_screenshot.png\n├── 4_Contacts\u002F\n│   └── important_contacts.txt\n└── 5_Checklists\u002F\n    └── preparation_checklist.txt\n",[420,18222,18220],{"__ignoreMap":334},[24,18224,18226],{"id":18225},"cloud-backup","Cloud Backup",[15,18228,18229],{},"Store copies in:",[29,18231,18232,18235,18238],{},[32,18233,18234],{},"Personal cloud drive (Google Drive, iCloud, etc.)",[32,18236,18237],{},"Email to yourself (for searchability)",[32,18239,18240],{},"Spouse\u002Fpartner's access (in case you can't access)",[19,18242,12940],{"id":12939},[15,18244,18245],{},"Create a card with critical information:",[413,18247,18250],{"className":18248,"code":18249,"language":418},[416],"╔══════════════════════════════════════════════════════╗\n║  DISABILITY QUICK REFERENCE                          ║\n╠══════════════════════════════════════════════════════╣\n║  Employee ID: _______________                        ║\n║  SSN (last 4): _______________                       ║\n║                                                      ║\n║  FedEx Benefits: 1-855-545-4748                      ║\n║  Hartford Claims: 1-800-549-6514                     ║\n║  CA EDD SDI: 1-800-480-3287                          ║\n║  ALPA: [your local contact]                          ║\n║                                                      ║\n║  Primary Doctor: _______________                     ║\n║  Doctor Phone: _______________                       ║\n║  Doctor License #: _______________                   ║\n║                                                      ║\n║  Current Sick Bank: _____ hours                      ║\n║  Current DSA Bank: _____ hours                       ║\n╚══════════════════════════════════════════════════════╝\n",[420,18251,18249],{"__ignoreMap":334},[19,18253,18255],{"id":18254},"verification-steps","Verification Steps",[24,18257,18259],{"id":18258},"verify-doctors-license","Verify Doctor's License",[15,18261,18262],{},"Before you need it:",[441,18264,18265,18272,18275,18278],{},[32,18266,5959,18267],{},[35,18268,18271],{"href":18269,"rel":18270},"https:\u002F\u002Fmbc.ca.gov\u002Fbreeze\u002F",[1955],"mbc.ca.gov\u002Fbreeze",[32,18273,18274],{},"Search for your doctor's name",[32,18276,18277],{},"Confirm license is active",[32,18279,18280],{},"Save the license number",[376,18282,18284],{"title":18283,"type":425},"License Issues Cause Delays",[15,18285,18286],{},"EDD takes 7-10 business days to verify doctor licenses. If there's any issue with the license, it can delay your claim significantly.",[24,18288,18290],{"id":18289},"verify-edd-has-your-records","Verify EDD Has Your Records",[15,18292,18293],{},"You can check what EDD has on file:",[441,18295,18296,18299,18302,18305],{},[32,18297,18298],{},"Create an account at edd.ca.gov",[32,18300,18301],{},"Check your wage history",[32,18303,18304],{},"Identify any discrepancies",[32,18306,18307],{},"Report issues before you need to file",[24,18309,18311],{"id":18310},"verify-hartford-information","Verify Hartford Information",[15,18313,18314],{},"Confirm with HR or Hartford:",[29,18316,18317,18320,18323,18326],{},[32,18318,18319],{},"Your exact plan terms",[32,18321,18322],{},"Your coverage level (60%\u002F50%)",[32,18324,18325],{},"Any waiting periods",[32,18327,18328],{},"Contact information for claims",[19,18330,18332],{"id":18331},"monthly-maintenance","Monthly Maintenance",[15,18334,18335],{},"Set a monthly reminder to:",[29,18337,18339,18345,18351,18357],{"className":18338},[688],[32,18340,18342,18344],{"className":18341},[692],[694,18343],{"disabled":354,"type":696}," Screenshot current sick bank balance",[32,18346,18348,18350],{"className":18347},[692],[694,18349],{"disabled":354,"type":696}," Screenshot current DSA balance",[32,18352,18354,18356],{"className":18353},[692],[694,18355],{"disabled":354,"type":696}," Download any new pay stubs",[32,18358,18360,18362],{"className":18359},[692],[694,18361],{"disabled":354,"type":696}," Update contact information if changed",[19,18364,18366],{"id":18365},"emergency-preparation","Emergency Preparation",[24,18368,18370],{"id":18369},"share-access","Share Access",[15,18372,18373],{},"Consider sharing access with:",[29,18375,18376,18379,18382],{},[32,18377,18378],{},"Spouse\u002Fpartner",[32,18380,18381],{},"Trusted family member",[32,18383,18384],{},"Power of attorney (if applicable)",[24,18386,18388],{"id":18387},"document-passwords","Document Passwords",[15,18390,18391],{},"Store securely:",[29,18393,18394,18397,18400,18403],{},[32,18395,18396],{},"Workday login",[32,18398,18399],{},"EDD account login",[32,18401,18402],{},"Hartford account (when created)",[32,18404,18405],{},"Email access",[19,18407,18409],{"id":18408},"complete-checklist","Complete Checklist",[15,18411,18412],{},"Use this checklist to verify preparation:",[24,18414,18416],{"id":18415},"employment-documents","Employment Documents",[29,18418,18420,18426,18432,18438],{"className":18419},[688],[32,18421,18423,18425],{"className":18422},[692],[694,18424],{"disabled":354,"type":696}," Last 18 months of pay stubs downloaded",[32,18427,18429,18431],{"className":18428},[692],[694,18430],{"disabled":354,"type":696}," W-2 forms for past 2-3 years saved",[32,18433,18435,18437],{"className":18434},[692],[694,18436],{"disabled":354,"type":696}," Employee ID number documented",[32,18439,18441,18443],{"className":18440},[692],[694,18442],{"disabled":354,"type":696}," Manager\u002FHR contact information saved",[24,18445,18447],{"id":18446},"medical-documents","Medical Documents",[29,18449,18451,18457,18463,18469],{"className":18450},[688],[32,18452,18454,18456],{"className":18453},[692],[694,18455],{"disabled":354,"type":696}," Primary doctor contact information",[32,18458,18460,18462],{"className":18459},[692],[694,18461],{"disabled":354,"type":696}," Doctor's medical license number verified",[32,18464,18466,18468],{"className":18465},[692],[694,18467],{"disabled":354,"type":696}," Specialist contacts (if applicable)",[32,18470,18472,18474],{"className":18471},[692],[694,18473],{"disabled":354,"type":696}," Pharmacy information",[24,18476,18478],{"id":18477},"benefits-documents","Benefits Documents",[29,18480,18482,18488,18494,18500],{"className":18481},[688],[32,18483,18485,18487],{"className":18484},[692],[694,18486],{"disabled":354,"type":696}," LTD plan summary saved",[32,18489,18491,18493],{"className":18490},[692],[694,18492],{"disabled":354,"type":696}," Current sick bank balance documented",[32,18495,18497,18499],{"className":18496},[692],[694,18498],{"disabled":354,"type":696}," Current DSA balance documented",[32,18501,18503,18505],{"className":18502},[692],[694,18504],{"disabled":354,"type":696}," Benefits center contact saved",[24,18507,18509],{"id":18508},"contacts-list","Contacts List",[29,18511,18513,18519,18525,18531,18537],{"className":18512},[688],[32,18514,18516,18518],{"className":18515},[692],[694,18517],{"disabled":354,"type":696}," FedEx Benefits phone number",[32,18520,18522,18524],{"className":18521},[692],[694,18523],{"disabled":354,"type":696}," Hartford claims phone number",[32,18526,18528,18530],{"className":18527},[692],[694,18529],{"disabled":354,"type":696}," EDD SDI phone number",[32,18532,18534,18536],{"className":18533},[692],[694,18535],{"disabled":354,"type":696}," ALPA R&I contact",[32,18538,18540,18542],{"className":18539},[692],[694,18541],{"disabled":354,"type":696}," Nearest EDD office address",[24,18544,18546],{"id":18545},"organization","Organization",[29,18548,18550,18556,18562,18568],{"className":18549},[688],[32,18551,18553,18555],{"className":18552},[692],[694,18554],{"disabled":354,"type":696}," Digital folder created and organized",[32,18557,18559,18561],{"className":18558},[692],[694,18560],{"disabled":354,"type":696}," Cloud backup in place",[32,18563,18565,18567],{"className":18564},[692],[694,18566],{"disabled":354,"type":696}," Spouse\u002Fpartner has access if needed",[32,18569,18571,18573],{"className":18570},[692],[694,18572],{"disabled":354,"type":696}," Quick reference card created",[19,18575,806],{"id":805},[29,18577,18578,18583,18588],{},[32,18579,18580,18582],{},[35,18581,14250],{"href":105}," - Understanding timing",[32,18584,18585,18587],{},[35,18586,277],{"href":276}," - Start tracking your progress",[32,18589,18590,18592],{},[35,18591,295],{"href":294}," - Full contact directory",{"title":334,"searchDepth":335,"depth":335,"links":18594},[18595,18596,18602,18607,18608,18613,18614,18618,18625],{"id":17927,"depth":335,"text":17928},{"id":17948,"depth":335,"text":17949,"children":18597},[18598,18599,18600,18601],{"id":17952,"depth":340,"text":17953},{"id":18014,"depth":340,"text":18015},{"id":18073,"depth":340,"text":18074},{"id":18130,"depth":340,"text":18131},{"id":18187,"depth":335,"text":18188,"children":18603},[18604,18605,18606],{"id":18191,"depth":340,"text":18192},{"id":18212,"depth":340,"text":18213},{"id":18225,"depth":340,"text":18226},{"id":12939,"depth":335,"text":12940},{"id":18254,"depth":335,"text":18255,"children":18609},[18610,18611,18612],{"id":18258,"depth":340,"text":18259},{"id":18289,"depth":340,"text":18290},{"id":18310,"depth":340,"text":18311},{"id":18331,"depth":335,"text":18332},{"id":18365,"depth":335,"text":18366,"children":18615},[18616,18617],{"id":18369,"depth":340,"text":18370},{"id":18387,"depth":340,"text":18388},{"id":18408,"depth":335,"text":18409,"children":18619},[18620,18621,18622,18623,18624],{"id":18415,"depth":340,"text":18416},{"id":18446,"depth":340,"text":18447},{"id":18477,"depth":340,"text":18478},{"id":18508,"depth":340,"text":18509},{"id":18545,"depth":340,"text":18546},{"id":805,"depth":335,"text":806},"Documents to collect before you need them","i-lucide-folder-archive",{},{"title":93,"description":18626},"guide\u002Fpreparation\u002Fwhat-to-save","vHRxerFP6i2t-TmPqI24Spxsgp7z2Gy4nzAY-DsKT3g",{"id":18633,"title":18634,"body":18635,"description":19746,"extension":350,"icon":19747,"lastUpdated":850,"meta":19748,"navigation":354,"order":19749,"path":8246,"seo":19750,"stem":19751,"__hash__":19752},"guide\u002Fguide\u002Fhartford\u002Fcooperation.md","LTD Cooperation Requirements",{"type":8,"value":18636,"toc":19706},[18637,18640,18643,18647,18650,18655,18661,18672,18674,18678,18682,18685,18722,18726,18731,18748,18753,18768,18773,18787,18792,18806,18810,18815,18829,18846,18850,18855,18941,18943,18947,18951,18954,18968,18972,18976,18993,18998,19009,19013,19018,19032,19037,19051,19056,19070,19074,19077,19108,19113,19124,19126,19130,19134,19141,19146,19184,19188,19193,19207,19212,19223,19227,19232,19235,19240,19243,19247,19251,19271,19276,19290,19292,19297,19308,19313,19324,19329,19340,19342,19346,19350,19355,19369,19373,19378,19392,19396,19401,19412,19414,19418,19421,19425,19460,19464,19481,19483,19485,19489,19492,19509,19511,19539,19541,19545,19549,19635,19639,19644,19660,19665,19671,19673,19675,19700],[11,18638,18634],{"id":18639},"ltd-cooperation-requirements",[15,18641,18642],{},"Your continued eligibility for LTD benefits depends on meeting specific cooperation requirements. Failure to cooperate can result in suspension or termination of your benefits.",[19,18644,18646],{"id":18645},"cba-requirements-section-27j4","CBA Requirements (Section 27.J.4)",[15,18648,18649],{},"According to the Collective Bargaining Agreement:",[4078,18651,18652],{},[15,18653,18654],{},"\"In order for a pilot to continue to be eligible for a disability benefit under the LTD Plan, the pilot must fully cooperate with the Claims Paying Administrator, in coordination with the Aeromedical Advisor, and must diligently seek restoration of any required license or medical certificate to allow the pilot to return to work.\"",[15,18656,18657,18658,892],{},"This establishes ",[263,18659,18660],{},"three core requirements",[441,18662,18663,18666,18669],{},[32,18664,18665],{},"Cooperate with Claims Paying Administrator",[32,18667,18668],{},"Coordinate with Aeromedical Advisor",[32,18670,18671],{},"Diligently seek medical certificate restoration",[3959,18673],{},[19,18675,18677],{"id":18676},"_1-cooperate-with-claims-paying-administrator","1. Cooperate with Claims Paying Administrator",[24,18679,18681],{"id":18680},"what-full-cooperation-means","What \"Full Cooperation\" Means",[15,18683,18684],{},"You must:",[29,18686,18687,18692,18698,18704,18710,18716],{},[32,18688,18689,18691],{},[263,18690,2951],{}," to all information requests",[32,18693,18694,18697],{},[263,18695,18696],{},"Provide complete information"," when asked",[32,18699,18700,18703],{},[263,18701,18702],{},"Submit to examinations"," when reasonably requested",[32,18705,18706,18709],{},[263,18707,18708],{},"Allow access"," to medical records (with proper authorization)",[32,18711,18712,18715],{},[263,18713,18714],{},"Report changes"," in your condition or circumstances",[32,18717,18718,18721],{},[263,18719,18720],{},"Attend appointments"," scheduled by the administrator",[24,18723,18725],{"id":18724},"typical-requests-youll-receive","Typical Requests You'll Receive",[15,18727,18728],{},[263,18729,18730],{},"Regular updates (every 30-90 days):",[29,18732,18733,18736,18739,18742,18745],{},[32,18734,18735],{},"Current medical status",[32,18737,18738],{},"Treatment received",[32,18740,18741],{},"Changes in condition",[32,18743,18744],{},"Work status",[32,18746,18747],{},"Other income sources",[15,18749,18750],{},[263,18751,18752],{},"Medical documentation:",[29,18754,18755,18758,18760,18763,18766],{},[32,18756,18757],{},"Doctor visit notes",[32,18759,11098],{},[32,18761,18762],{},"Treatment plans",[32,18764,18765],{},"Medication lists",[32,18767,11109],{},[15,18769,18770],{},[263,18771,18772],{},"Independent Medical Examinations (IMEs):",[29,18774,18775,18778,18781,18784],{},[32,18776,18777],{},"Administrator may request you see their doctor",[32,18779,18780],{},"Travel may be required (they typically cover expenses)",[32,18782,18783],{},"Must attend unless medically contraindicated",[32,18785,18786],{},"Doctor will evaluate your condition and restrictions",[15,18788,18789],{},[263,18790,18791],{},"Functional Capacity Evaluations (FCEs):",[29,18793,18794,18797,18800,18803],{},[32,18795,18796],{},"Physical testing of your abilities",[32,18798,18799],{},"Typically conducted by occupational therapist",[32,18801,18802],{},"Duration: 4-8 hours",[32,18804,18805],{},"Measures what you can\u002Fcannot do physically",[24,18807,18809],{"id":18808},"response-timeframes","Response Timeframes",[15,18811,18812],{},[263,18813,18814],{},"Typical deadlines:",[29,18816,18817,18820,18823,18826],{},[32,18818,18819],{},"Written requests: 10-15 business days",[32,18821,18822],{},"Phone requests: 5 business days",[32,18824,18825],{},"Urgent requests: 24-48 hours",[32,18827,18828],{},"IME appointments: Must attend as scheduled",[376,18830,18832,18835],{"title":18831,"type":425},"Missing Deadlines Has Consequences",[15,18833,18834],{},"Failure to respond within specified timeframes may result in:",[29,18836,18837,18840,18843],{},[32,18838,18839],{},"Benefit suspension pending response",[32,18841,18842],{},"Denial of continued benefits",[32,18844,18845],{},"Requirement to appeal any adverse decision",[24,18847,18849],{"id":18848},"how-to-cooperate-effectively","How to Cooperate Effectively",[15,18851,18852],{},[263,18853,18854],{},"Best practices:",[441,18856,18857,18876,18893,18909,18925],{},[32,18858,18859,18862,18863],{},[263,18860,18861],{},"Keep a log"," of all communications",[29,18864,18865,18868,18870,18873],{},[32,18866,18867],{},"Date and time",[32,18869,4637],{},[32,18871,18872],{},"Summary of discussion",[32,18874,18875],{},"Follow-up items",[32,18877,18878,18881,18882],{},[263,18879,18880],{},"Respond in writing"," when possible",[29,18883,18884,18887,18890],{},[32,18885,18886],{},"Creates documentation",[32,18888,18889],{},"Allows you to be thorough",[32,18891,18892],{},"Provides proof of compliance",[32,18894,18895,18898],{},[263,18896,18897],{},"Meet deadlines",[29,18899,18900,18903,18906],{},[32,18901,18902],{},"Set calendar reminders",[32,18904,18905],{},"Don't wait until last day",[32,18907,18908],{},"Request extensions if needed (before deadline)",[32,18910,18911,18914],{},[263,18912,18913],{},"Be thorough but concise",[29,18915,18916,18919,18922],{},[32,18917,18918],{},"Answer all questions asked",[32,18920,18921],{},"Don't volunteer unnecessary information",[32,18923,18924],{},"Stick to medical facts",[32,18926,18927,18930],{},[263,18928,18929],{},"Keep copies of everything",[29,18931,18932,18935,18938],{},[32,18933,18934],{},"All forms submitted",[32,18936,18937],{},"All letters received",[32,18939,18940],{},"All medical records sent",[3959,18942],{},[19,18944,18946],{"id":18945},"_2-coordinate-with-aeromedical-advisor","2. Coordinate with Aeromedical Advisor",[24,18948,18950],{"id":18949},"who-is-the-aeromedical-advisor","Who Is the Aeromedical Advisor?",[15,18952,18953],{},"The Aeromedical Advisor is:",[29,18955,18956,18959,18962,18965],{},[32,18957,18958],{},"A physician employed by or contracted with FedEx",[32,18960,18961],{},"Specializes in aviation medicine",[32,18963,18964],{},"Advises on return-to-work planning",[32,18966,18967],{},"Coordinates with FAA on medical certification issues",[24,18969,18971],{"id":18970},"your-responsibilities","Your Responsibilities",[15,18973,18974],{},[263,18975,18684],{},[29,18977,18978,18981,18984,18987,18990],{},[32,18979,18980],{},"Respond to Aeromedical Advisor requests",[32,18982,18983],{},"Attend appointments when scheduled",[32,18985,18986],{},"Provide medical records as requested",[32,18988,18989],{},"Discuss your medical certification path",[32,18991,18992],{},"Follow reasonable recommendations",[15,18994,18995],{},[263,18996,18997],{},"You do NOT have to:",[29,18999,19000,19003,19006],{},[32,19001,19002],{},"Accept the Aeromedical Advisor as your treating physician",[32,19004,19005],{},"Follow treatment recommendations from Aeromedical Advisor",[32,19007,19008],{},"Disclose information beyond what's relevant to work capacity",[24,19010,19012],{"id":19011},"typical-interactions","Typical Interactions",[15,19014,19015],{},[263,19016,19017],{},"Initial contact:",[29,19019,19020,19023,19026,19029],{},[32,19021,19022],{},"Usually occurs early in disability",[32,19024,19025],{},"Review of medical condition",[32,19027,19028],{},"Discussion of prognosis",[32,19030,19031],{},"Identification of barriers to return to work",[15,19033,19034],{},[263,19035,19036],{},"Ongoing coordination:",[29,19038,19039,19042,19045,19048],{},[32,19040,19041],{},"Updates on medical status",[32,19043,19044],{},"Discussion of treatment progress",[32,19046,19047],{},"Planning for medical certification",[32,19049,19050],{},"Identification of work restrictions",[15,19052,19053],{},[263,19054,19055],{},"Return-to-work planning:",[29,19057,19058,19061,19064,19067],{},[32,19059,19060],{},"Assessment of work capacity",[32,19062,19063],{},"Discussion of accommodations",[32,19065,19066],{},"Coordination with flight operations",[32,19068,19069],{},"FAA medical certification strategy",[24,19071,19073],{"id":19072},"protecting-your-interests","Protecting Your Interests",[15,19075,19076],{},"While cooperating:",[441,19078,19079,19085,19091,19097,19102],{},[32,19080,19081,19084],{},[263,19082,19083],{},"Understand the role"," - Aeromedical Advisor works for FedEx, not for you",[32,19086,19087,19090],{},[263,19088,19089],{},"Have your own doctor"," - Maintain independent medical care",[32,19092,19093,19096],{},[263,19094,19095],{},"Know your rights"," - You can decline treatment recommendations",[32,19098,19099,19101],{},[263,19100,1822],{}," - Keep records of all interactions",[32,19103,19104,19107],{},[263,19105,19106],{},"Seek second opinions"," - If medical opinions differ significantly",[15,19109,19110],{},[263,19111,19112],{},"Consider ALPA assistance:",[29,19114,19115,19118,19121],{},[32,19116,19117],{},"ALPA Aeromedical Office can advise you",[32,19119,19120],{},"ALPA can help navigate FAA certification",[32,19122,19123],{},"ALPA R&I committee can address disputes",[3959,19125],{},[19,19127,19129],{"id":19128},"_3-diligently-seek-medical-certificate-restoration","3. Diligently Seek Medical Certificate Restoration",[24,19131,19133],{"id":19132},"what-diligent-effort-means","What \"Diligent Effort\" Means",[15,19135,19136,19137,19140],{},"You must ",[263,19138,19139],{},"actively work"," toward restoring your FAA medical certificate when it is possible to do so.",[15,19142,19143],{},[263,19144,19145],{},"Required efforts:",[29,19147,19148,19154,19160,19166,19172,19178],{},[32,19149,19150,19153],{},[263,19151,19152],{},"Comply with treatment"," recommended by your treating physicians",[32,19155,19156,19159],{},[263,19157,19158],{},"Follow up with specialists"," as needed",[32,19161,19162,19165],{},[263,19163,19164],{},"Work with AMEs"," (Aviation Medical Examiners) on certification path",[32,19167,19168,19171],{},[263,19169,19170],{},"Pursue FAA Special Issuance"," if available",[32,19173,19174,19177],{},[263,19175,19176],{},"Engage with HIMS"," if substance-related issue",[32,19179,19180,19183],{},[263,19181,19182],{},"Document all efforts"," made toward certification",[24,19185,19187],{"id":19186},"when-this-applies","When This Applies",[15,19189,19190],{},[263,19191,19192],{},"You must seek restoration if:",[29,19194,19195,19198,19201,19204],{},[32,19196,19197],{},"Your condition is potentially improvable",[32,19199,19200],{},"Treatment options are available",[32,19202,19203],{},"FAA certification pathways exist",[32,19205,19206],{},"Your disability may be temporary",[15,19208,19209],{},[263,19210,19211],{},"You are NOT required to:",[29,19213,19214,19217,19220],{},[32,19215,19216],{},"Undergo high-risk experimental treatments",[32,19218,19219],{},"Accept treatments that contradict your doctor's advice",[32,19221,19222],{},"Pursue certification if condition is permanent and untreatable",[24,19224,19226],{"id":19225},"what-counts-as-diligent-effort","What Counts as \"Diligent Effort\"",[15,19228,19229],{},[263,19230,19231],{},"Examples of compliance:",[15,19233,19234],{},"✅ Attending all scheduled doctor appointments\n✅ Following prescribed treatment plans\n✅ Taking medications as prescribed\n✅ Completing physical therapy\n✅ Meeting with AME to discuss certification path\n✅ Submitting FAA Special Issuance applications\n✅ Gathering required medical documentation\n✅ Participating in HIMS program (if applicable)\n✅ Consulting with specialists as recommended",[15,19236,19237],{},[263,19238,19239],{},"Examples of non-compliance:",[15,19241,19242],{},"❌ Missing medical appointments without cause\n❌ Refusing recommended treatment without valid reason\n❌ Not taking prescribed medications\n❌ Failing to follow up with specialists\n❌ Not engaging with AME or FAA process\n❌ Refusing to provide medical documentation",[24,19244,19246],{"id":19245},"documenting-your-efforts","Documenting Your Efforts",[15,19248,19249],{},[263,19250,1317],{},[29,19252,19253,19256,19259,19262,19265,19268],{},[32,19254,19255],{},"All medical appointments (dates, providers, purpose)",[32,19257,19258],{},"Treatment compliance (medications, therapy, etc.)",[32,19260,19261],{},"AME consultations and recommendations",[32,19263,19264],{},"FAA correspondence and applications",[32,19266,19267],{},"Specialist evaluations",[32,19269,19270],{},"HIMS participation (if applicable)",[15,19272,19273],{},[263,19274,19275],{},"Why documentation matters:",[29,19277,19278,19281,19284,19287],{},[32,19279,19280],{},"Proves you're meeting requirements",[32,19282,19283],{},"Protects against benefit termination",[32,19285,19286],{},"Supports appeals if benefits are denied",[32,19288,19289],{},"Demonstrates good faith effort",[24,19291,770],{"id":769},[15,19293,19294],{},[263,19295,19296],{},"Condition is permanent:",[29,19298,19299,19302,19305],{},[32,19300,19301],{},"Provide medical documentation showing permanence",[32,19303,19304],{},"May not be required to pursue certification",[32,19306,19307],{},"Focus on managing condition and quality of life",[15,19309,19310],{},[263,19311,19312],{},"Multiple treatment options:",[29,19314,19315,19318,19321],{},[32,19316,19317],{},"Must pursue reasonable options",[32,19319,19320],{},"Can choose among equivalent treatments",[32,19322,19323],{},"Can decline high-risk or experimental treatments",[15,19325,19326],{},[263,19327,19328],{},"Financial barriers:",[29,19330,19331,19334,19337],{},[32,19332,19333],{},"Medical costs typically covered by insurance",[32,19335,19336],{},"Administrator may assist with certification costs",[32,19338,19339],{},"Contact ALPA if financial issues prevent compliance",[3959,19341],{},[19,19343,19345],{"id":19344},"consequences-of-non-cooperation","Consequences of Non-Cooperation",[24,19347,19349],{"id":19348},"benefit-suspension","Benefit Suspension",[15,19351,19352],{},[263,19353,19354],{},"First consequence:",[29,19356,19357,19360,19363,19366],{},[32,19358,19359],{},"Administrator sends warning letter",[32,19361,19362],{},"Specifies what's needed",[32,19364,19365],{},"Provides deadline to comply",[32,19367,19368],{},"Benefits may continue pending response",[24,19370,19372],{"id":19371},"benefit-termination","Benefit Termination",[15,19374,19375],{},[263,19376,19377],{},"If non-cooperation continues:",[29,19379,19380,19383,19386,19389],{},[32,19381,19382],{},"Benefits terminated",[32,19384,19385],{},"Must appeal to restore",[32,19387,19388],{},"Burden on you to prove cooperation",[32,19390,19391],{},"May lose benefits permanently",[24,19393,19395],{"id":19394},"repayment-requirements","Repayment Requirements",[15,19397,19398],{},[263,19399,19400],{},"In some cases:",[29,19402,19403,19406,19409],{},[32,19404,19405],{},"May be required to repay benefits received",[32,19407,19408],{},"Especially if non-cooperation was fraudulent",[32,19410,19411],{},"Can create significant financial hardship",[3959,19413],{},[19,19415,19417],{"id":19416},"your-rights","Your Rights",[15,19419,19420],{},"While you must cooperate, you also have rights:",[24,19422,19424],{"id":19423},"you-can","You Can:",[29,19426,19427,19433,19439,19445,19450,19455],{},[32,19428,19429,19432],{},[263,19430,19431],{},"Question requests"," that seem unreasonable",[32,19434,19435,19438],{},[263,19436,19437],{},"Request clarification"," of requirements",[32,19440,19441,19444],{},[263,19442,19443],{},"Seek extensions"," when needed",[32,19446,19447],{},[263,19448,19449],{},"Refuse unreasonable demands",[32,19451,19452],{},[263,19453,19454],{},"Appeal adverse decisions",[32,19456,19457],{},[263,19458,19459],{},"Get ALPA representation",[24,19461,19463],{"id":19462},"you-cannot-be-required-to","You Cannot Be Required To:",[29,19465,19466,19469,19472,19475,19478],{},[32,19467,19468],{},"Accept specific medical treatment against your will",[32,19470,19471],{},"See specific doctors (beyond IMEs)",[32,19473,19474],{},"Disclose information unrelated to work capacity",[32,19476,19477],{},"Travel excessive distances without accommodation",[32,19479,19480],{},"Take actions that violate your doctor's orders",[3959,19482],{},[19,19484,10118],{"id":10117},[24,19486,19488],{"id":19487},"when-to-seek-assistance","When to Seek Assistance",[15,19490,19491],{},"Contact ALPA R&I committee if:",[29,19493,19494,19497,19500,19503,19506],{},[32,19495,19496],{},"You're unsure whether a request is reasonable",[32,19498,19499],{},"You're having trouble meeting requirements",[32,19501,19502],{},"You've received a warning letter",[32,19504,19505],{},"Benefits have been suspended or terminated",[32,19507,19508],{},"You believe requirements are being applied unfairly",[24,19510,1389],{"id":1388},[29,19512,19513,19523,19529,19533],{},[32,19514,19515,19518,19519],{},[263,19516,19517],{},"ALPA Retirement & Insurance:"," ",[35,19520,19522],{"href":19521},"mailto:ri@alpa.org","ri@alpa.org",[32,19524,19525,19528],{},[263,19526,19527],{},"ALPA Aeromedical Office:"," For FAA certification guidance",[32,19530,19531,1397],{},[263,19532,1396],{},[32,19534,19535,19538],{},[263,19536,19537],{},"Disability attorney:"," If facing benefit termination",[3959,19540],{},[19,19542,19544],{"id":19543},"best-practices-for-compliance","Best Practices for Compliance",[24,19546,19548],{"id":19547},"create-a-system","Create a System",[441,19550,19551,19567,19586,19601,19617],{},[32,19552,19553,19556],{},[263,19554,19555],{},"Use a calendar",[29,19557,19558,19561,19564],{},[32,19559,19560],{},"Mark all deadlines",[32,19562,19563],{},"Set reminders 1 week before",[32,19565,19566],{},"Track all appointments",[32,19568,19569,19572],{},[263,19570,19571],{},"Maintain a binder",[29,19573,19574,19577,19580,19583],{},[32,19575,19576],{},"Section for LTD correspondence",[32,19578,19579],{},"Section for medical records",[32,19581,19582],{},"Section for FAA documents",[32,19584,19585],{},"Communication log",[32,19587,19588,19590],{},[263,19589,2951],{},[29,19591,19592,19595,19598],{},[32,19593,19594],{},"Don't procrastinate",[32,19596,19597],{},"Address requests as soon as received",[32,19599,19600],{},"Request extensions early if needed",[32,19602,19603,19606],{},[263,19604,19605],{},"Be proactive",[29,19607,19608,19611,19614],{},[32,19609,19610],{},"Provide updates without being asked",[32,19612,19613],{},"Inform administrator of changes",[32,19615,19616],{},"Demonstrate active engagement",[32,19618,19619,19621],{},[263,19620,1822],{},[29,19622,19623,19626,19629,19632],{},[32,19624,19625],{},"Every phone call",[32,19627,19628],{},"Every letter",[32,19630,19631],{},"Every appointment",[32,19633,19634],{},"Every effort made",[24,19636,19638],{"id":19637},"communication-tips","Communication Tips",[15,19640,19641],{},[263,19642,19643],{},"When responding to requests:",[29,19645,19646,19649,19651,19653,19656,19658],{},[32,19647,19648],{},"Be professional and courteous",[32,19650,18918],{},[32,19652,18696],{},[32,19654,19655],{},"Don't volunteer irrelevant details",[32,19657,18929],{},[32,19659,13908],{},[15,19661,19662],{},[263,19663,19664],{},"Sample response structure:",[413,19666,19669],{"className":19667,"code":19668,"language":418},[416],"Dear [Claims Administrator],\n\nI received your request dated [date] for [specific items].\n\n1. [First item requested]: [Your response\u002Fattached document]\n2. [Second item requested]: [Your response\u002Fattached document]\n3. [Third item requested]: [Your response\u002Fattached document]\n\nI have attached the following documents:\n- [List all attachments]\n\nPlease confirm receipt of this information. If you need any\nadditional information, please contact me at [phone\u002Femail].\n\nSincerely,\n[Your name]\n[Claim number]\n",[420,19670,19668],{"__ignoreMap":334},[3959,19672],{},[19,19674,806],{"id":805},[29,19676,19677,19684,19692],{},[32,19678,19679,7184,19682],{},[263,19680,19681],{},"Understand duration limits",[35,19683,12266],{"href":8301},[32,19685,19686,7184,19689],{},[263,19687,19688],{},"Know your company access rights",[35,19690,19691],{"href":8428},"System access while disabled",[32,19693,19694,7184,19697],{},[263,19695,19696],{},"Maintain your records",[35,19698,19699],{"href":92},"Document organization tips",[376,19701,19703],{"title":19702,"type":574},"Questions About Requirements?",[15,19704,19705],{},"Contact ALPA R&I committee if you're unsure about any cooperation requirements or believe requests are unreasonable.",{"title":334,"searchDepth":335,"depth":335,"links":19707},[19708,19709,19715,19721,19728,19733,19737,19741,19745],{"id":18645,"depth":335,"text":18646},{"id":18676,"depth":335,"text":18677,"children":19710},[19711,19712,19713,19714],{"id":18680,"depth":340,"text":18681},{"id":18724,"depth":340,"text":18725},{"id":18808,"depth":340,"text":18809},{"id":18848,"depth":340,"text":18849},{"id":18945,"depth":335,"text":18946,"children":19716},[19717,19718,19719,19720],{"id":18949,"depth":340,"text":18950},{"id":18970,"depth":340,"text":18971},{"id":19011,"depth":340,"text":19012},{"id":19072,"depth":340,"text":19073},{"id":19128,"depth":335,"text":19129,"children":19722},[19723,19724,19725,19726,19727],{"id":19132,"depth":340,"text":19133},{"id":19186,"depth":340,"text":19187},{"id":19225,"depth":340,"text":19226},{"id":19245,"depth":340,"text":19246},{"id":769,"depth":340,"text":770},{"id":19344,"depth":335,"text":19345,"children":19729},[19730,19731,19732],{"id":19348,"depth":340,"text":19349},{"id":19371,"depth":340,"text":19372},{"id":19394,"depth":340,"text":19395},{"id":19416,"depth":335,"text":19417,"children":19734},[19735,19736],{"id":19423,"depth":340,"text":19424},{"id":19462,"depth":340,"text":19463},{"id":10117,"depth":335,"text":10118,"children":19738},[19739,19740],{"id":19487,"depth":340,"text":19488},{"id":1388,"depth":340,"text":1389},{"id":19543,"depth":335,"text":19544,"children":19742},[19743,19744],{"id":19547,"depth":340,"text":19548},{"id":19637,"depth":340,"text":19638},{"id":805,"depth":335,"text":806},"What you must do to maintain your Long-Term Disability benefits","i-lucide-handshake",{},5,{"title":18634,"description":19746},"guide\u002Fhartford\u002Fcooperation","EF_aMWDLU1mKRqgbpSfuIL-5xghzzINlAwt-9f2HUnQ",{"id":19754,"title":19755,"body":19756,"description":20717,"extension":350,"icon":849,"lastUpdated":850,"meta":20718,"navigation":354,"order":20719,"path":8301,"seo":20720,"stem":20721,"__hash__":20722},"guide\u002Fguide\u002Fhartford\u002Fduration.md","LTD Duration Limits",{"type":8,"value":19757,"toc":20678},[19758,19761,19764,19768,19771,19834,19836,19840,19844,19849,19863,19868,19872,19892,19896,19899,19916,19922,19926,19931,19942,19947,19961,19966,19980,19982,19986,19990,19998,20003,20007,20010,20015,20041,20046,20057,20063,20067,20072,20083,20088,20102,20106,20111,20114,20126,20131,20136,20142,20147,20153,20158,20164,20168,20171,20203,20205,20209,20213,20218,20224,20230,20241,20247,20251,20256,20270,20275,20286,20290,20295,20298,20315,20320,20337,20343,20347,20352,20358,20361,20365,20370,20396,20401,20412,20414,20418,20422,20428,20432,20438,20442,20448,20452,20458,20460,20464,20468,20473,20505,20510,20527,20529,20534,20551,20553,20558,20571,20573,20577,20581,20586,20616,20618,20623,20641,20643,20647,20672],[11,19759,19755],{"id":19760},"ltd-duration-limits",[15,19762,19763],{},"Not all disabilities have the same maximum benefit duration. Understanding the limits for your specific condition type is essential for long-term financial planning.",[19,19765,19767],{"id":19766},"duration-by-condition-type","Duration by Condition Type",[15,19769,19770],{},"The CBA establishes different maximum benefit periods depending on your diagnosis:",[490,19772,19773,19783],{},[493,19774,19775],{},[496,19776,19777,19779,19781],{},[499,19778,8260],{},[499,19780,2148],{},[499,19782,8100],{},[506,19784,19785,19797,19809,19821],{},[496,19786,19787,19792,19794],{},[511,19788,19789],{},[263,19790,19791],{},"General Physical",[511,19793,8272],{},[511,19795,19796],{},"No fixed time limit",[496,19798,19799,19804,19806],{},[511,19800,19801],{},[263,19802,19803],{},"Mental Health",[511,19805,8282],{},[511,19807,19808],{},"5 years maximum",[496,19810,19811,19816,19818],{},[511,19812,19813],{},[263,19814,19815],{},"Substance Abuse",[511,19817,8293],{},[511,19819,19820],{},"12 base + 6 recertification",[496,19822,19823,19828,19831],{},[511,19824,19825],{},[263,19826,19827],{},"Substance Abuse (Legacy)",[511,19829,19830],{},"26 weeks",[511,19832,19833],{},"For disabilities before Nov 2, 2015",[3959,19835],{},[19,19837,19839],{"id":19838},"general-physical-disabilities","General Physical Disabilities",[24,19841,19843],{"id":19842},"duration-cba-section-27j2","Duration (CBA Section 27.J.2)",[15,19845,19846],{},[263,19847,19848],{},"Benefits continue until:",[441,19850,19851,19857],{},[32,19852,19853,19854],{},"You recover and return to work, ",[263,19855,19856],{},"OR",[32,19858,19859,19860],{},"You reach ",[263,19861,19862],{},"age 65",[15,19864,19865,19867],{},[263,19866,19796],{}," for most physical conditions.",[24,19869,19871],{"id":19870},"examples-of-general-physical-disabilities","Examples of General Physical Disabilities",[29,19873,19874,19877,19880,19883,19886,19889],{},[32,19875,19876],{},"Back injuries",[32,19878,19879],{},"Heart conditions",[32,19881,19882],{},"Cancer",[32,19884,19885],{},"Neurological disorders (non-mental)",[32,19887,19888],{},"Orthopedic injuries",[32,19890,19891],{},"Most FAA-disqualifying medical conditions",[24,19893,19895],{"id":19894},"what-until-recovery-means","What \"Until Recovery\" Means",[15,19897,19898],{},"Benefits continue as long as:",[29,19900,19901,19904,19907,19910,19913],{},[32,19902,19903],{},"You meet the disability definition",[32,19905,19906],{},"You're unable to perform your occupation (first 24 months)",[32,19908,19909],{},"You're unable to perform any occupation (after 24 months)",[32,19911,19912],{},"You're under active medical care",[32,19914,19915],{},"You meet cooperation requirements",[376,19917,19919],{"title":19918,"type":574},"Most Pilot Disabilities",[15,19920,19921],{},"Most medical conditions that prevent pilots from flying fall into this category and have no fixed time limit before age 65.",[24,19923,19925],{"id":19924},"age-65-limit","Age 65 Limit",[15,19927,19928],{},[263,19929,19930],{},"Why age 65?",[29,19932,19933,19936,19939],{},[32,19934,19935],{},"Standard retirement age for many plans",[32,19937,19938],{},"Social Security full retirement age (for many)",[32,19940,19941],{},"CBA-specified end point",[15,19943,19944],{},[263,19945,19946],{},"At age 65:",[29,19948,19949,19952,19955,19958],{},[32,19950,19951],{},"LTD benefits cease",[32,19953,19954],{},"Medicare becomes available",[32,19956,19957],{},"Social Security retirement benefits begin",[32,19959,19960],{},"May have pension benefits",[15,19962,19963],{},[263,19964,19965],{},"Planning for age 65:",[29,19967,19968,19971,19974,19977],{},[32,19969,19970],{},"Ensure Social Security is in order",[32,19972,19973],{},"Review Medicare enrollment",[32,19975,19976],{},"Confirm pension benefits",[32,19978,19979],{},"Consider supplemental insurance",[3959,19981],{},[19,19983,19985],{"id":19984},"mental-health-conditions","Mental Health Conditions",[24,19987,19989],{"id":19988},"_60-month-maximum-cba-section-27j10","60-Month Maximum (CBA Section 27.J.10)",[15,19991,19992,19995,19996,8283],{},[263,19993,19994],{},"Duration:"," Maximum of ",[263,19997,8282],{},[4078,19999,20000],{},[15,20001,20002],{},"\"The duration of the LTD Plan benefits for mental disorders, as currently defined in the LTD Plan, shall remain at a maximum of 60 months.\"",[24,20004,20006],{"id":20005},"what-qualifies-as-mental-disorder","What Qualifies as \"Mental Disorder\"",[15,20008,20009],{},"The LTD Plan document defines mental disorders. Typically includes:",[15,20011,20012],{},[263,20013,20014],{},"Commonly included:",[29,20016,20017,20020,20023,20026,20029,20032,20035,20038],{},[32,20018,20019],{},"Depression",[32,20021,20022],{},"Anxiety disorders",[32,20024,20025],{},"Bipolar disorder",[32,20027,20028],{},"Schizophrenia",[32,20030,20031],{},"Personality disorders",[32,20033,20034],{},"PTSD (if primary diagnosis)",[32,20036,20037],{},"Eating disorders",[32,20039,20040],{},"Other DSM-defined mental illnesses",[15,20042,20043],{},[263,20044,20045],{},"May be excluded:",[29,20047,20048,20051,20054],{},[32,20049,20050],{},"Dementia (often treated as physical\u002Fneurological)",[32,20052,20053],{},"Brain injury (physical cause)",[32,20055,20056],{},"Neurological disorders with psychiatric symptoms",[376,20058,20060],{"title":20059,"type":425},"Check Your Diagnosis",[15,20061,20062],{},"The specific classification of your condition matters. A condition with both physical and mental components may be classified either way.",[24,20064,20066],{"id":20065},"after-60-months","After 60 Months",[15,20068,20069],{},[263,20070,20071],{},"Benefits end even if:",[29,20073,20074,20077,20080],{},[32,20075,20076],{},"You remain disabled",[32,20078,20079],{},"You're still unable to work",[32,20081,20082],{},"You haven't recovered",[15,20084,20085],{},[263,20086,20087],{},"Options after 60 months:",[29,20089,20090,20093,20096,20099],{},[32,20091,20092],{},"Social Security Disability (if eligible)",[32,20094,20095],{},"ALPA supplemental disability (if applicable)",[32,20097,20098],{},"Personal disability insurance (if you have it)",[32,20100,20101],{},"Return to work if able",[24,20103,20105],{"id":20104},"mixed-diagnoses","Mixed Diagnoses",[15,20107,20108],{},[263,20109,20110],{},"If you have both physical and mental conditions:",[15,20112,20113],{},"The administrator will determine:",[29,20115,20116,20123],{},[32,20117,20118,20119,20122],{},"Which is the ",[263,20120,20121],{},"primary"," disabling condition",[32,20124,20125],{},"Whether the 60-month limit applies",[15,20127,20128],{},[263,20129,20130],{},"Example scenarios:",[15,20132,20133],{},[263,20134,20135],{},"Scenario 1: Mental health primary",[413,20137,20140],{"className":20138,"code":20139,"language":418},[416],"Diagnoses: Depression (primary) + back pain (secondary)\nDuration: 60-month limit applies\n",[420,20141,20139],{"__ignoreMap":334},[15,20143,20144],{},[263,20145,20146],{},"Scenario 2: Physical primary",[413,20148,20151],{"className":20149,"code":20150,"language":418},[416],"Diagnoses: Back injury (primary) + depression (secondary)\nDuration: No fixed limit (until recovery or age 65)\n",[420,20152,20150],{"__ignoreMap":334},[15,20154,20155],{},[263,20156,20157],{},"Scenario 3: Sequential conditions",[413,20159,20162],{"className":20160,"code":20161,"language":418},[416],"Years 1-3: Back injury (physical)\nYear 4: Depression develops\nDuration: Depression gets its own 60-month clock\n",[420,20163,20161],{"__ignoreMap":334},[24,20165,20167],{"id":20166},"challenging-the-classification","Challenging the Classification",[15,20169,20170],{},"If you believe your condition is wrongly classified as mental health:",[441,20172,20173,20179,20185,20191,20197],{},[32,20174,20175,20178],{},[263,20176,20177],{},"Get medical documentation"," showing physical basis",[32,20180,20181,20184],{},[263,20182,20183],{},"Neuropsychological testing"," may help",[32,20186,20187,20190],{},[263,20188,20189],{},"Independent medical evaluation"," from specialist",[32,20192,20193,20196],{},[263,20194,20195],{},"Appeal the classification"," through administrator",[32,20198,20199,20202],{},[263,20200,20201],{},"Use PBRB process"," if needed",[3959,20204],{},[19,20206,20208],{"id":20207},"substance-abuse-disabilities","Substance Abuse Disabilities",[24,20210,20212],{"id":20211},"current-rule-18-month-maximum-cba-section-27j11","Current Rule: 18-Month Maximum (CBA Section 27.J.11)",[15,20214,20215],{},[263,20216,20217],{},"For disabilities beginning after November 2, 2015:",[15,20219,20220,20223],{},[263,20221,20222],{},"Base duration:"," 12 months",[15,20225,20226,20229],{},[263,20227,20228],{},"Extension available:"," Up to 6 additional months if:",[29,20231,20232,20235,20238],{},[32,20233,20234],{},"You're actively seeking FAA medical recertification",[32,20236,20237],{},"You're participating in required programs (e.g., HIMS)",[32,20239,20240],{},"You're complying with treatment",[15,20242,20243,20246],{},[263,20244,20245],{},"Total maximum:"," 18 months",[24,20248,20250],{"id":20249},"what-qualifies","What Qualifies",[15,20252,20253],{},[263,20254,20255],{},"Substance abuse includes:",[29,20257,20258,20261,20264,20267],{},[32,20259,20260],{},"Alcohol use disorder",[32,20262,20263],{},"Drug abuse or dependence",[32,20265,20266],{},"Prescription medication abuse",[32,20268,20269],{},"Any substance-related FAA medical disqualification",[15,20271,20272],{},[263,20273,20274],{},"Verification requirements:",[29,20276,20277,20280,20283],{},[32,20278,20279],{},"Diagnosis from qualified professional",[32,20281,20282],{},"May require substance abuse evaluation",[32,20284,20285],{},"HIMS evaluation if seeking medical recertification",[24,20287,20289],{"id":20288},"the-6-month-recertification-extension","The 6-Month Recertification Extension",[15,20291,20292],{},[263,20293,20294],{},"To qualify for the additional 6 months:",[15,20296,20297],{},"Must demonstrate:",[29,20299,20300,20303,20306,20309,20312],{},[32,20301,20302],{},"Active participation in HIMS program (or equivalent)",[32,20304,20305],{},"Regular attendance at required meetings\u002Fcounseling",[32,20307,20308],{},"Compliance with monitoring requirements",[32,20310,20311],{},"Active pursuit of FAA Special Issuance",[32,20313,20314],{},"Progress toward medical recertification",[15,20316,20317],{},[263,20318,20319],{},"Documentation required:",[29,20321,20322,20325,20328,20331,20334],{},[32,20323,20324],{},"HIMS program enrollment",[32,20326,20327],{},"Attendance records",[32,20329,20330],{},"Monitoring reports (e.g., drug testing)",[32,20332,20333],{},"AME reports",[32,20335,20336],{},"FAA correspondence",[376,20338,20340],{"title":20339,"type":574},"HIMS Program",[15,20341,20342],{},"HIMS (Human Intervention Motivation Study) is the FAA-approved program for pilots seeking medical certification after substance-related issues.",[24,20344,20346],{"id":20345},"legacy-rule-26-week-maximum","Legacy Rule: 26-Week Maximum",[15,20348,20349],{},[263,20350,20351],{},"For disabilities beginning before November 2, 2015:",[15,20353,20354,20357],{},[263,20355,20356],{},"Maximum:"," 26 weeks (approximately 6 months)",[15,20359,20360],{},"No extension available under the old rule.",[24,20362,20364],{"id":20363},"after-benefits-end","After Benefits End",[15,20366,20367],{},[263,20368,20369],{},"Options when 18-month (or 26-week) limit is reached:",[441,20371,20372,20378,20384,20390],{},[32,20373,20374,20377],{},[263,20375,20376],{},"Return to work"," - If FAA medical certificate restored",[32,20379,20380,20383],{},[263,20381,20382],{},"SSDI"," - If condition continues and you qualify",[32,20385,20386,20389],{},[263,20387,20388],{},"ALPA supplemental"," - If you have coverage",[32,20391,20392,20395],{},[263,20393,20394],{},"Career transition"," - Consider non-flying positions",[15,20397,20398],{},[263,20399,20400],{},"Even if still disabled:",[29,20402,20403,20406,20409],{},[32,20404,20405],{},"LTD benefits end at 18 months",[32,20407,20408],{},"This is a hard stop regardless of continued disability",[32,20410,20411],{},"Plan accordingly during your benefit period",[3959,20413],{},[19,20415,20417],{"id":20416},"timeline-examples","Timeline Examples",[24,20419,20421],{"id":20420},"example-1-back-injury-general-physical","Example 1: Back Injury (General Physical)",[413,20423,20426],{"className":20424,"code":20425,"language":418},[416],"Age at disability: 45\nCondition: Herniated disc, unable to hold FAA medical\n\nBenefit timeline:\n  Months 1-24:   60% of monthly earnings\n  Months 25+:    50% of monthly earnings\n  Until:         Recovery or age 65 (20 years possible)\n",[420,20427,20425],{"__ignoreMap":334},[24,20429,20431],{"id":20430},"example-2-depression-mental-health","Example 2: Depression (Mental Health)",[413,20433,20436],{"className":20434,"code":20435,"language":418},[416],"Age at disability: 50\nCondition: Major depressive disorder\n\nBenefit timeline:\n  Months 1-24:   60% of monthly earnings\n  Months 25-60:  50% of monthly earnings\n  Month 61:      Benefits end (5-year limit)\n  Age at end:    54 years, 2 months\n",[420,20437,20435],{"__ignoreMap":334},[24,20439,20441],{"id":20440},"example-3-alcohol-use-disorder-substance-abuse","Example 3: Alcohol Use Disorder (Substance Abuse)",[413,20443,20446],{"className":20444,"code":20445,"language":418},[416],"Age at disability: 48\nCondition: Alcohol dependence\nHIMS participation: Yes\n\nBenefit timeline:\n  Months 1-12:   60% of monthly earnings (base period)\n  Months 13-18:  60% of monthly earnings (extension due to HIMS)\n  Month 19:      Benefits end (18-month limit)\n  Age at end:    49 years, 6 months\n",[420,20447,20445],{"__ignoreMap":334},[24,20449,20451],{"id":20450},"example-4-mixed-condition","Example 4: Mixed Condition",[413,20453,20456],{"className":20454,"code":20455,"language":418},[416],"Age at disability: 52\nPrimary: Cardiac condition\nSecondary: Anxiety disorder\n\nClassification: Physical (primary)\n\nBenefit timeline:\n  Months 1-24:   60% of monthly earnings\n  Months 25+:    50% of monthly earnings\n  Until:         Recovery or age 65 (13 years possible)\n\nNote: Anxiety is secondary and doesn't trigger 60-month limit\n",[420,20457,20455],{"__ignoreMap":334},[3959,20459],{},[19,20461,20463],{"id":20462},"planning-considerations","Planning Considerations",[24,20465,20467],{"id":20466},"if-you-have-a-mental-health-or-substance-abuse-condition","If You Have a Mental Health or Substance Abuse Condition",[15,20469,20470],{},[263,20471,20472],{},"Start planning early:",[441,20474,20475,20481,20487,20493,20499],{},[32,20476,20477,20480],{},[263,20478,20479],{},"Month 1:"," Understand your time limit",[32,20482,20483,20486],{},[263,20484,20485],{},"Month 12:"," Begin exploring backup plans",[32,20488,20489,20492],{},[263,20490,20491],{},"Month 24:"," Actively pursue alternatives",[32,20494,20495,20498],{},[263,20496,20497],{},"Month 48:"," (Mental health) Finalize transition plan",[32,20500,20501,20504],{},[263,20502,20503],{},"Month 16:"," (Substance abuse) Finalize transition plan",[15,20506,20507],{},[263,20508,20509],{},"Consider:",[29,20511,20512,20515,20518,20521,20524],{},[32,20513,20514],{},"SSDI application (can take 12-24 months)",[32,20516,20517],{},"ALPA supplemental insurance",[32,20519,20520],{},"Vocational rehabilitation",[32,20522,20523],{},"Career transition planning",[32,20525,20526],{},"Return-to-work options",[24,20528,15056],{"id":15055},[15,20530,20531],{},[263,20532,20533],{},"With time-limited benefits:",[29,20535,20536,20539,20542,20545,20548],{},[32,20537,20538],{},"Budget based on shorter duration",[32,20540,20541],{},"Don't assume benefits will continue indefinitely",[32,20543,20544],{},"Plan for income gap at end of benefits",[32,20546,20547],{},"Consider working with financial advisor",[32,20549,20550],{},"Explore other income sources",[24,20552,1278],{"id":1277},[15,20554,20555],{},[263,20556,20557],{},"Before benefits end:",[29,20559,20560,20563,20566,20569],{},[32,20561,20562],{},"Try to restore FAA medical if possible",[32,20564,20565],{},"Consider alternative positions",[32,20567,20568],{},"Explore accommodated return to work",[32,20570,19182],{},[3959,20572],{},[19,20574,20576],{"id":20575},"appealing-duration-limit-decisions","Appealing Duration Limit Decisions",[24,20578,20580],{"id":20579},"if-you-disagree-with-classification","If You Disagree with Classification",[15,20582,20583],{},[263,20584,20585],{},"Steps to take:",[441,20587,20588,20594,20599,20605,20611],{},[32,20589,20590,20593],{},[263,20591,20592],{},"Request detailed explanation"," of classification",[32,20595,20596],{},[263,20597,20598],{},"Obtain supporting medical opinions",[32,20600,20601,20604],{},[263,20602,20603],{},"Gather evidence"," of physical basis (if applicable)",[32,20606,20607,20610],{},[263,20608,20609],{},"Submit appeal"," with documentation",[32,20612,20613,20615],{},[263,20614,20201],{}," if internal appeal fails",[24,20617,10118],{"id":10117},[15,20619,20620],{},[263,20621,20622],{},"Resources:",[29,20624,20625,20630,20635],{},[32,20626,20627,20629],{},[263,20628,1402],{}," For CBA interpretation",[32,20631,20632,20634],{},[263,20633,19537],{}," For complex cases",[32,20636,20637,20640],{},[263,20638,20639],{},"Medical specialists:"," For diagnosis clarification",[3959,20642],{},[19,20644,20646],{"id":20645},"related-topics","Related Topics",[29,20648,20649,20657,20665],{},[32,20650,20651,7184,20654],{},[263,20652,20653],{},"Eligibility triggers",[35,20655,20656],{"href":1454},"When LTD begins",[32,20658,20659,7184,20662],{},[263,20660,20661],{},"Benefit calculations",[35,20663,20664],{"href":1374},"How much you'll receive",[32,20666,20667,7184,20670],{},[263,20668,20669],{},"Cooperation requirements",[35,20671,12258],{"href":8246},[376,20673,20675],{"title":20674,"type":425},"Know Your Time Limit",[15,20676,20677],{},"Understanding your specific duration limit is critical for financial planning. Don't assume your benefits will continue indefinitely—verify your condition classification early.",{"title":334,"searchDepth":335,"depth":335,"links":20679},[20680,20681,20687,20694,20701,20707,20712,20716],{"id":19766,"depth":335,"text":19767},{"id":19838,"depth":335,"text":19839,"children":20682},[20683,20684,20685,20686],{"id":19842,"depth":340,"text":19843},{"id":19870,"depth":340,"text":19871},{"id":19894,"depth":340,"text":19895},{"id":19924,"depth":340,"text":19925},{"id":19984,"depth":335,"text":19985,"children":20688},[20689,20690,20691,20692,20693],{"id":19988,"depth":340,"text":19989},{"id":20005,"depth":340,"text":20006},{"id":20065,"depth":340,"text":20066},{"id":20104,"depth":340,"text":20105},{"id":20166,"depth":340,"text":20167},{"id":20207,"depth":335,"text":20208,"children":20695},[20696,20697,20698,20699,20700],{"id":20211,"depth":340,"text":20212},{"id":20249,"depth":340,"text":20250},{"id":20288,"depth":340,"text":20289},{"id":20345,"depth":340,"text":20346},{"id":20363,"depth":340,"text":20364},{"id":20416,"depth":335,"text":20417,"children":20702},[20703,20704,20705,20706],{"id":20420,"depth":340,"text":20421},{"id":20430,"depth":340,"text":20431},{"id":20440,"depth":340,"text":20441},{"id":20450,"depth":340,"text":20451},{"id":20462,"depth":335,"text":20463,"children":20708},[20709,20710,20711],{"id":20466,"depth":340,"text":20467},{"id":15055,"depth":340,"text":15056},{"id":1277,"depth":340,"text":1278},{"id":20575,"depth":335,"text":20576,"children":20713},[20714,20715],{"id":20579,"depth":340,"text":20580},{"id":10117,"depth":340,"text":10118},{"id":20645,"depth":335,"text":20646},"How long LTD benefits last based on condition type",{},6,{"title":19755,"description":20717},"guide\u002Fhartford\u002Fduration","I1gQZdXL2f4Mh2Mka6OEvS4mh9l8OhX5GR-ZNotfQJ0",{"id":20724,"title":20725,"body":20726,"description":21813,"extension":350,"icon":21814,"lastUpdated":850,"meta":21815,"navigation":354,"order":21816,"path":8428,"seo":21817,"stem":21818,"__hash__":21819},"guide\u002Fguide\u002Fhartford\u002Fcompany-access.md","Company System Access While Disabled",{"type":8,"value":20727,"toc":21765},[20728,20731,20734,20738,20740,20745,20748,20766,20768,20770,20774,20779,20793,20798,20812,20816,20821,20838,20842,20847,20861,20865,20870,20884,20886,20890,20893,20898,20918,20923,20937,20940,20945,20962,20966,20980,20984,20989,21006,21010,21024,21026,21030,21032,21037,21051,21055,21060,21066,21071,21074,21085,21090,21093,21141,21143,21147,21164,21167,21169,21173,21177,21182,21196,21201,21215,21219,21224,21241,21246,21260,21262,21267,21281,21286,21298,21303,21314,21316,21320,21324,21329,21346,21350,21361,21365,21370,21387,21392,21406,21410,21415,21432,21434,21436,21440,21445,21459,21463,21468,21482,21486,21491,21502,21504,21508,21512,21517,21528,21532,21537,21548,21552,21557,21568,21572,21577,21588,21590,21594,21598,21603,21611,21617,21621,21626,21640,21645,21656,21658,21662,21666,21671,21730,21732,21734,21759],[11,20729,20725],{"id":20730},"company-system-access-while-disabled",[15,20732,20733],{},"One of the important but often overlooked provisions in the CBA ensures you maintain access to company systems while on disability.",[19,20735,20737],{"id":20736},"your-rights-cba-section-27j19","Your Rights (CBA Section 27.J.19)",[15,20739,18649],{},[4078,20741,20742],{},[15,20743,20744],{},"\"During the period that a pilot is on disability, the pilot shall have access to Company communications systems including pilot.fedex.com, PRISM and Company email.\"",[15,20746,20747],{},"This guarantees your continued access to:",[441,20749,20750,20755,20760],{},[32,20751,20752,20754],{},[263,20753,8412],{}," - Company pilot portal",[32,20756,20757,20759],{},[263,20758,8415],{}," - Scheduling and bid system",[32,20761,20762,20765],{},[263,20763,20764],{},"Company email"," - Your @fedex.com email address",[3959,20767],{},[19,20769,6517],{"id":6516},[24,20771,20773],{"id":20772},"stay-informed","Stay Informed",[15,20775,20776],{},[263,20777,20778],{},"Company communications:",[29,20780,20781,20784,20787,20790],{},[32,20782,20783],{},"Policy updates and changes",[32,20785,20786],{},"Benefit information",[32,20788,20789],{},"Union communications",[32,20791,20792],{},"Return-to-work opportunities",[15,20794,20795],{},[263,20796,20797],{},"Critical during disability:",[29,20799,20800,20803,20806,20809],{},[32,20801,20802],{},"Changes to benefit plans",[32,20804,20805],{},"Updates to sick bank policies",[32,20807,20808],{},"Medical certification requirements",[32,20810,20811],{},"Company reorganizations",[24,20813,20815],{"id":20814},"access-important-information","Access Important Information",[15,20817,20818],{},[263,20819,20820],{},"Through these systems you can:",[29,20822,20823,20826,20829,20832,20835],{},[32,20824,20825],{},"View and download pay stubs",[32,20827,20828],{},"Access tax documents (W-2s)",[32,20830,20831],{},"Check sick bank balances",[32,20833,20834],{},"Review benefit enrollments",[32,20836,20837],{},"Monitor company announcements",[24,20839,20841],{"id":20840},"plan-your-return","Plan Your Return",[15,20843,20844],{},[263,20845,20846],{},"PRISM access allows:",[29,20848,20849,20852,20855,20858],{},[32,20850,20851],{},"View bid schedules",[32,20853,20854],{},"Monitor seat availability",[32,20856,20857],{},"Plan return-to-work timing",[32,20859,20860],{},"Understand current operations",[24,20862,20864],{"id":20863},"maintain-connection","Maintain Connection",[15,20866,20867],{},[263,20868,20869],{},"Staying connected helps:",[29,20871,20872,20875,20878,20881],{},[32,20873,20874],{},"Maintain professional relationships",[32,20876,20877],{},"Stay current on company culture",[32,20879,20880],{},"Remain engaged with your profession",[32,20882,20883],{},"Reduce feeling of isolation",[3959,20885],{},[19,20887,20889],{"id":20888},"what-you-can-access","What You Can Access",[24,20891,8412],{"id":20892},"pilotfedexcom",[15,20894,20895],{},[263,20896,20897],{},"Portal includes:",[29,20899,20900,20903,20906,20909,20912,20915],{},[32,20901,20902],{},"Company news and updates",[32,20904,20905],{},"Flight operations information",[32,20907,20908],{},"Training resources",[32,20910,20911],{},"Safety information",[32,20913,20914],{},"Benefits information",[32,20916,20917],{},"Contact directories",[15,20919,20920],{},[263,20921,20922],{},"Use for:",[29,20924,20925,20928,20931,20934],{},[32,20926,20927],{},"Staying informed on company policies",[32,20929,20930],{},"Accessing training materials for return prep",[32,20932,20933],{},"Contacting appropriate departments",[32,20935,20936],{},"Reviewing operational updates",[24,20938,8415],{"id":20939},"prism",[15,20941,20942],{},[263,20943,20944],{},"System provides:",[29,20946,20947,20950,20953,20956,20959],{},[32,20948,20949],{},"Crew scheduling information",[32,20951,20952],{},"Bid results and seat assignments",[32,20954,20955],{},"Trip trading (when applicable)",[32,20957,20958],{},"Schedule preferences",[32,20960,20961],{},"Contact with crew scheduling",[15,20963,20964],{},[263,20965,20922],{},[29,20967,20968,20971,20974,20977],{},[32,20969,20970],{},"Planning return to work",[32,20972,20973],{},"Understanding current seat availability",[32,20975,20976],{},"Monitoring bid cycles",[32,20978,20979],{},"Preparing for return-to-duty scheduling",[24,20981,20983],{"id":20982},"company-email-fedexcom","Company Email (@fedex.com)",[15,20985,20986],{},[263,20987,20988],{},"Email access allows:",[29,20990,20991,20994,20997,21000,21003],{},[32,20992,20993],{},"Receive company-wide communications",[32,20995,20996],{},"Contact HR and benefits departments",[32,20998,20999],{},"Correspond with chief pilots",[32,21001,21002],{},"Receive union communications",[32,21004,21005],{},"Stay connected with colleagues",[15,21007,21008],{},[263,21009,20922],{},[29,21011,21012,21015,21018,21021],{},[32,21013,21014],{},"Official correspondence",[32,21016,21017],{},"Benefits questions",[32,21019,21020],{},"Return-to-work coordination",[32,21022,21023],{},"Maintaining professional connections",[3959,21025],{},[19,21027,21029],{"id":21028},"what-if-access-is-lost","What If Access Is Lost?",[24,21031,2904],{"id":2903},[15,21033,21034],{},[263,21035,21036],{},"Your access may be disabled if:",[29,21038,21039,21042,21045,21048],{},[32,21040,21041],{},"IT systems automatically deactivate inactive accounts",[32,21043,21044],{},"Administrative error occurs",[32,21046,21047],{},"Extended disability triggers automatic lockout",[32,21049,21050],{},"System doesn't recognize disability status",[24,21052,21054],{"id":21053},"how-to-restore-access","How to Restore Access",[15,21056,21057],{},[263,21058,21059],{},"Step 1: Contact IT Help Desk",[413,21061,21064],{"className":21062,"code":21063,"language":418},[416],"Phone: [FedEx IT number from internal directory]\nEmail: [IT support email]\n\nInformation needed:\n- Employee ID\n- Name and contact information\n- Systems affected\n- Disability start date\n",[420,21065,21063],{"__ignoreMap":334},[15,21067,21068],{},[263,21069,21070],{},"Step 2: Reference CBA Section 27.J.19",[15,21072,21073],{},"Inform them:",[29,21075,21076,21079,21082],{},[32,21077,21078],{},"You're on approved disability leave",[32,21080,21081],{},"CBA Section 27.J.19 guarantees access",[32,21083,21084],{},"Request immediate restoration",[15,21086,21087],{},[263,21088,21089],{},"Step 3: Escalate If Needed",[15,21091,21092],{},"If IT doesn't restore access immediately:",[441,21094,21095,21111,21126],{},[32,21096,21097,21100],{},[263,21098,21099],{},"Contact your supervisor or chief pilot",[29,21101,21102,21105,21108],{},[32,21103,21104],{},"Explain situation",[32,21106,21107],{},"Reference CBA provision",[32,21109,21110],{},"Request intervention",[32,21112,21113,21116],{},[263,21114,21115],{},"Contact HR\u002FBenefits",[29,21117,21118,21120,21123],{},[32,21119,5009],{},[32,21121,21122],{},"Explain access issue",[32,21124,21125],{},"Reference disability status and CBA",[32,21127,21128,21130],{},[263,21129,9228],{},[29,21131,21132,21135,21138],{},[32,21133,21134],{},"ALPA R&I committee",[32,21136,21137],{},"File grievance if needed",[32,21139,21140],{},"Request expedited resolution",[24,21142,5611],{"id":5610},[15,21144,21145],{},[263,21146,1317],{},[29,21148,21149,21152,21155,21158,21161],{},[32,21150,21151],{},"When access was lost",[32,21153,21154],{},"Who you contacted",[32,21156,21157],{},"When you contacted them",[32,21159,21160],{},"Responses received",[32,21162,21163],{},"Steps taken to restore",[15,21165,21166],{},"This documentation may be needed for grievance or to show good-faith effort.",[3959,21168],{},[19,21170,21172],{"id":21171},"best-practices-while-on-disability","Best Practices While on Disability",[24,21174,21176],{"id":21175},"regular-check-ins","Regular Check-Ins",[15,21178,21179],{},[263,21180,21181],{},"Maintain routine:",[29,21183,21184,21187,21190,21193],{},[32,21185,21186],{},"Check email weekly",[32,21188,21189],{},"Review pilot portal monthly",[32,21191,21192],{},"Monitor PRISM for relevant updates",[32,21194,21195],{},"Stay current on company news",[15,21197,21198],{},[263,21199,21200],{},"Benefits:",[29,21202,21203,21206,21209,21212],{},[32,21204,21205],{},"Ensures you don't miss important deadlines",[32,21207,21208],{},"Keeps you informed of changes",[32,21210,21211],{},"Maintains your connection",[32,21213,21214],{},"Eases return-to-work transition",[24,21216,21218],{"id":21217},"security-considerations","Security Considerations",[15,21220,21221],{},[263,21222,21223],{},"Protect your access:",[29,21225,21226,21229,21232,21235,21238],{},[32,21227,21228],{},"Don't share login credentials",[32,21230,21231],{},"Use secure connections",[32,21233,21234],{},"Log out when finished",[32,21236,21237],{},"Report suspicious activity",[32,21239,21240],{},"Update passwords regularly",[15,21242,21243],{},[263,21244,21245],{},"Remember:",[29,21247,21248,21251,21254,21257],{},[32,21249,21250],{},"Your access is for legitimate purposes",[32,21252,21253],{},"Don't violate company policies",[32,21255,21256],{},"Maintain confidentiality",[32,21258,21259],{},"Use systems appropriately",[24,21261,19638],{"id":19637},[15,21263,21264],{},[263,21265,21266],{},"When using company email:",[29,21268,21269,21272,21275,21278],{},[32,21270,21271],{},"Maintain professional tone",[32,21273,21274],{},"Use for work-related communication",[32,21276,21277],{},"Be mindful you're still employed",[32,21279,21280],{},"Document important correspondence",[15,21282,21283],{},[263,21284,21285],{},"Appropriate uses:",[29,21287,21288,21290,21292,21295],{},[32,21289,21017],{},[32,21291,21020],{},[32,21293,21294],{},"Policy clarification",[32,21296,21297],{},"Official company business",[15,21299,21300],{},[263,21301,21302],{},"Avoid:",[29,21304,21305,21308,21311],{},[32,21306,21307],{},"Personal use beyond reasonable limits",[32,21309,21310],{},"Controversial communications",[32,21312,21313],{},"Anything that could jeopardize your position",[3959,21315],{},[19,21317,21319],{"id":21318},"using-access-for-your-benefit","Using Access for Your Benefit",[24,21321,21323],{"id":21322},"document-your-employment","Document Your Employment",[15,21325,21326],{},[263,21327,21328],{},"Before access is lost (precautionary):",[29,21330,21331,21334,21337,21340,21343],{},[32,21332,21333],{},"Download pay stubs (last 36 months)",[32,21335,21336],{},"Save W-2 forms",[32,21338,21339],{},"Screenshot sick bank balances",[32,21341,21342],{},"Save benefits summaries",[32,21344,21345],{},"Download relevant policies",[15,21347,21348],{},[263,21349,18391],{},[29,21351,21352,21355,21358],{},[32,21353,21354],{},"Cloud storage (encrypted)",[32,21356,21357],{},"External hard drive",[32,21359,21360],{},"Physical copies of critical documents",[24,21362,21364],{"id":21363},"monitor-your-benefits","Monitor Your Benefits",[15,21366,21367],{},[263,21368,21369],{},"Regular checks:",[29,21371,21372,21375,21378,21381,21384],{},[32,21373,21374],{},"Sick bank balances",[32,21376,21377],{},"Benefits enrollment status",[32,21379,21380],{},"Life insurance status",[32,21382,21383],{},"Health insurance status",[32,21385,21386],{},"Pension contributions",[15,21388,21389],{},[263,21390,21391],{},"Why it matters:",[29,21393,21394,21397,21400,21403],{},[32,21395,21396],{},"Catch errors early",[32,21398,21399],{},"Verify deductions",[32,21401,21402],{},"Ensure continuity of benefits",[32,21404,21405],{},"Plan financially",[24,21407,21409],{"id":21408},"prepare-for-return","Prepare for Return",[15,21411,21412],{},[263,21413,21414],{},"Use access to:",[29,21416,21417,21420,21423,21426,21429],{},[32,21418,21419],{},"Review current procedures",[32,21421,21422],{},"Update emergency contacts",[32,21424,21425],{},"Review training requirements",[32,21427,21428],{},"Understand return-to-duty process",[32,21430,21431],{},"Contact appropriate departments",[3959,21433],{},[19,21435,770],{"id":769},[24,21437,21439],{"id":21438},"long-term-disability-years","Long-Term Disability (Years)",[15,21441,21442],{},[263,21443,21444],{},"Even on extended disability:",[29,21446,21447,21450,21453,21456],{},[32,21448,21449],{},"Access should continue",[32,21451,21452],{},"May need periodic reauthorization",[32,21454,21455],{},"Contact IT if issues arise",[32,21457,21458],{},"Reference CBA if challenged",[24,21460,21462],{"id":21461},"partial-return-to-work","Partial Return to Work",[15,21464,21465],{},[263,21466,21467],{},"If working part-time or modified duty:",[29,21469,21470,21473,21476,21479],{},[32,21471,21472],{},"Full access should continue",[32,21474,21475],{},"May need adjustment to PRISM based on schedule",[32,21477,21478],{},"Coordinate with crew scheduling",[32,21480,21481],{},"Maintain email access",[24,21483,21485],{"id":21484},"leave-of-absence-vs-disability","Leave of Absence vs. Disability",[15,21487,21488],{},[263,21489,21490],{},"CBA provision is specific to disability:",[29,21492,21493,21496,21499],{},[32,21494,21495],{},"Other leaves may have different rules",[32,21497,21498],{},"Disability status gives you stronger rights",[32,21500,21501],{},"Ensure your status is properly documented",[3959,21503],{},[19,21505,21507],{"id":21506},"troubleshooting-common-issues","Troubleshooting Common Issues",[24,21509,21511],{"id":21510},"password-reset-problems","Password Reset Problems",[15,21513,21514],{},[263,21515,21516],{},"If you can't reset password:",[29,21518,21519,21522,21525],{},[32,21520,21521],{},"Contact IT help desk directly",[32,21523,21524],{},"May need to verify identity by phone",[32,21526,21527],{},"Reference employee ID and disability status",[24,21529,21531],{"id":21530},"vpn-access","VPN Access",[15,21533,21534],{},[263,21535,21536],{},"For remote access:",[29,21538,21539,21542,21545],{},[32,21540,21541],{},"You may need VPN credentials",[32,21543,21544],{},"Contact IT to verify VPN is enabled",[32,21546,21547],{},"Follow standard security procedures",[24,21549,21551],{"id":21550},"multi-factor-authentication","Multi-Factor Authentication",[15,21553,21554],{},[263,21555,21556],{},"If MFA is required:",[29,21558,21559,21562,21565],{},[32,21560,21561],{},"Ensure phone number is current",[32,21563,21564],{},"Set up backup authentication methods",[32,21566,21567],{},"Contact IT if token issues occur",[24,21569,21571],{"id":21570},"mobile-app-access","Mobile App Access",[15,21573,21574],{},[263,21575,21576],{},"pilot.fedex.com mobile app:",[29,21578,21579,21582,21585],{},[32,21580,21581],{},"Should continue working",[32,21583,21584],{},"May need to re-authenticate",[32,21586,21587],{},"Update app if not working",[3959,21589],{},[19,21591,21593],{"id":21592},"rights-vs-privileges","Rights vs. Privileges",[24,21595,21597],{"id":21596},"whats-guaranteed","What's Guaranteed",[15,21599,21600],{},[263,21601,21602],{},"CBA-protected access:",[29,21604,21605,21607,21609],{},[32,21606,8412],{},[32,21608,8415],{},[32,21610,20764],{},[15,21612,21613,21616],{},[263,21614,21615],{},"Must be maintained"," during disability",[24,21618,21620],{"id":21619},"whats-not-guaranteed","What's Not Guaranteed",[15,21622,21623],{},[263,21624,21625],{},"Other systems may be restricted:",[29,21627,21628,21631,21634,21637],{},[32,21629,21630],{},"Active flight line access",[32,21632,21633],{},"Certain operational systems",[32,21635,21636],{},"Training systems requiring currency",[32,21638,21639],{},"Systems limited to active flying status",[15,21641,21642],{},[263,21643,21644],{},"Use discretion:",[29,21646,21647,21650,21653],{},[32,21648,21649],{},"Access only what you need",[32,21651,21652],{},"Don't attempt to access restricted systems",[32,21654,21655],{},"Follow company policies",[3959,21657],{},[19,21659,21661],{"id":21660},"if-access-is-denied","If Access Is Denied",[24,21663,21665],{"id":21664},"grievance-process","Grievance Process",[15,21667,21668],{},[263,21669,21670],{},"If company refuses access:",[441,21672,21673,21689,21702,21717],{},[32,21674,21675,21678],{},[263,21676,21677],{},"Document the denial",[29,21679,21680,21683,21686],{},[32,21681,21682],{},"Who denied access",[32,21684,21685],{},"When and how communicated",[32,21687,21688],{},"Reason given",[32,21690,21691,21694],{},[263,21692,21693],{},"Reference CBA",[29,21695,21696,21699],{},[32,21697,21698],{},"Section 27.J.19 is clear",[32,21700,21701],{},"Access is a right, not a privilege",[32,21703,21704,21706],{},[263,21705,9228],{},[29,21707,21708,21711,21714],{},[32,21709,21710],{},"File formal grievance",[32,21712,21713],{},"Request expedited process",[32,21715,21716],{},"Document impact of denial",[32,21718,21719,21722],{},[263,21720,21721],{},"Escalate quickly",[29,21723,21724,21727],{},[32,21725,21726],{},"This is an active rights violation",[32,21728,21729],{},"Should be resolved immediately",[3959,21731],{},[19,21733,1389],{"id":1388},[29,21735,21736,21744,21748,21753],{},[32,21737,21738,19518,21741],{},[263,21739,21740],{},"FedEx IT Help Desk:",[4969,21742,21743],{},"Internal directory",[32,21745,21746,1397],{},[263,21747,1396],{},[32,21749,21750,21752],{},[263,21751,1402],{}," For CBA enforcement",[32,21754,21755,21758],{},[263,21756,21757],{},"CBA Section 27.J.19:"," Full text of access provision",[376,21760,21762],{"title":21761,"type":574},"Your Right to Access",[15,21763,21764],{},"Company system access during disability is not a courtesy—it's a contractual right. If access is denied or lost, take immediate action to restore it.",{"title":334,"searchDepth":335,"depth":335,"links":21766},[21767,21768,21774,21779,21784,21789,21794,21799,21805,21809,21812],{"id":20736,"depth":335,"text":20737},{"id":6516,"depth":335,"text":6517,"children":21769},[21770,21771,21772,21773],{"id":20772,"depth":340,"text":20773},{"id":20814,"depth":340,"text":20815},{"id":20840,"depth":340,"text":20841},{"id":20863,"depth":340,"text":20864},{"id":20888,"depth":335,"text":20889,"children":21775},[21776,21777,21778],{"id":20892,"depth":340,"text":8412},{"id":20939,"depth":340,"text":8415},{"id":20982,"depth":340,"text":20983},{"id":21028,"depth":335,"text":21029,"children":21780},[21781,21782,21783],{"id":2903,"depth":340,"text":2904},{"id":21053,"depth":340,"text":21054},{"id":5610,"depth":340,"text":5611},{"id":21171,"depth":335,"text":21172,"children":21785},[21786,21787,21788],{"id":21175,"depth":340,"text":21176},{"id":21217,"depth":340,"text":21218},{"id":19637,"depth":340,"text":19638},{"id":21318,"depth":335,"text":21319,"children":21790},[21791,21792,21793],{"id":21322,"depth":340,"text":21323},{"id":21363,"depth":340,"text":21364},{"id":21408,"depth":340,"text":21409},{"id":769,"depth":335,"text":770,"children":21795},[21796,21797,21798],{"id":21438,"depth":340,"text":21439},{"id":21461,"depth":340,"text":21462},{"id":21484,"depth":340,"text":21485},{"id":21506,"depth":335,"text":21507,"children":21800},[21801,21802,21803,21804],{"id":21510,"depth":340,"text":21511},{"id":21530,"depth":340,"text":21531},{"id":21550,"depth":340,"text":21551},{"id":21570,"depth":340,"text":21571},{"id":21592,"depth":335,"text":21593,"children":21806},[21807,21808],{"id":21596,"depth":340,"text":21597},{"id":21619,"depth":340,"text":21620},{"id":21660,"depth":335,"text":21661,"children":21810},[21811],{"id":21664,"depth":340,"text":21665},{"id":1388,"depth":335,"text":1389},"Your rights to access FedEx systems during disability leave","i-lucide-monitor",{},7,{"title":20725,"description":21813},"guide\u002Fhartford\u002Fcompany-access","D2jLvJ9nVsCXdi_7M_im_MWe_44NsDrpaQrLAa5O2IY",{"id":21821,"title":174,"body":21822,"description":22477,"extension":350,"icon":22478,"lastUpdated":850,"meta":22479,"navigation":354,"order":22480,"path":173,"seo":22481,"stem":22482,"__hash__":22483},"guide\u002Fguide\u002Fhartford\u002Fwhen-ltd-begins.md",{"type":8,"value":21823,"toc":22441},[21824,21827,21830,21848,21852,21856,21863,21869,21875,21879,21893,21895,21900,21908,21913,21923,21927,21931,21980,21984,22004,22011,22015,22019,22025,22039,22043,22046,22059,22065,22069,22073,22079,22090,22094,22127,22131,22136,22147,22152,22168,22173,22187,22191,22195,22198,22212,22217,22223,22226,22229,22239,22243,22247,22253,22257,22277,22281,22283,22297,22300,22304,22308,22311,22326,22330,22333,22347,22351,22354,22372,22376,22379,22422,22424],[11,21825,174],{"id":21826},"when-ltd-begins",[15,21828,21829],{},"Understanding when Long-Term Disability (LTD) kicks in is essential for financial planning during your disability.",[376,21831,21833],{"title":21832,"type":425},"CBA Eligibility Triggers",[15,21834,21835,21837,21838,21841,21842,21845,21846,7993],{},[263,21836,4737],{}," The FedEx LTD Plan has specific eligibility triggers beyond the 180-day elimination period. LTD benefits begin when you ",[263,21839,21840],{},"exhaust sick banks"," OR experience a ",[263,21843,21844],{},"disability-related seat\u002Fposition change",". See ",[35,21847,858],{"href":1454},[19,21849,21851],{"id":21850},"the-waiting-period","The Waiting Period",[24,21853,21855],{"id":21854},"_180-day-elimination-period","180-Day Elimination Period",[15,21857,21858,21859,21862],{},"LTD has a ",[263,21860,21861],{},"180-day elimination period"," (also called \"waiting period\"):",[413,21864,21867],{"className":21865,"code":21866,"language":418},[416],"Day 1-180:   Elimination period (no LTD payments)\nDay 181:     LTD benefits begin (if approved and eligibility met)\n",[420,21868,21866],{"__ignoreMap":334},[376,21870,21872],{"title":21871,"type":574},"Six Full Months",[15,21873,21874],{},"180 days = approximately 6 months. During this time, you rely on sick banks and SDI.",[24,21876,21878],{"id":21877},"what-the-180-days-means","What the 180 Days Means",[29,21880,21881,21884,21887,21890],{},[32,21882,21883],{},"You must be continuously disabled for 180 days",[32,21885,21886],{},"LTD does not pay during this period",[32,21888,21889],{},"Your sick banks and SDI cover this time",[32,21891,21892],{},"Day 181 is when LTD payments can start",[24,21894,10950],{"id":10949},[15,21896,21897],{},[263,21898,21899],{},"Day 1 starts:",[29,21901,21902,21905],{},[32,21903,21904],{},"The first day you cannot work due to disability",[32,21906,21907],{},"Usually the day after your last day worked",[15,21909,21910],{},[263,21911,21912],{},"Days continue if:",[29,21914,21915,21917,21920],{},[32,21916,20076],{},[32,21918,21919],{},"You don't return to work",[32,21921,21922],{},"Your doctor continues to certify disability",[19,21924,21926],{"id":21925},"ltd-vs-sdi-timing","LTD vs. SDI Timing",[24,21928,21930],{"id":21929},"overlap-and-coordination","Overlap and Coordination",[490,21932,21933,21946],{},[493,21934,21935],{},[496,21936,21937,21940,21943],{},[499,21938,21939],{},"Period",[499,21941,21942],{},"SDI Status",[499,21944,21945],{},"LTD Status",[506,21947,21948,21959,21969],{},[496,21949,21950,21953,21956],{},[511,21951,21952],{},"Days 1-7",[511,21954,21955],{},"Waiting period",[511,21957,21958],{},"Elimination period",[496,21960,21961,21964,21967],{},[511,21962,21963],{},"Days 8-180",[511,21965,21966],{},"Paying",[511,21968,21958],{},[496,21970,21971,21974,21977],{},[511,21972,21973],{},"Days 181+",[511,21975,21976],{},"May continue",[511,21978,21979],{},"Now paying",[24,21981,21983],{"id":21982},"how-they-work-together","How They Work Together",[441,21985,21986,21992,21998],{},[32,21987,21988,21991],{},[263,21989,21990],{},"Months 1-6:"," SDI is your primary income (plus sick banks)",[32,21993,21994,21997],{},[263,21995,21996],{},"Month 7+:"," LTD begins, SDI may continue",[32,21999,22000,22003],{},[263,22001,22002],{},"Offset applies:"," LTD reduces payment by SDI amount",[15,22005,22006,22007,22010],{},"This is where the ",[35,22008,22009],{"href":51},"offset problem"," becomes critical.",[19,22012,22014],{"id":22013},"qualifying-for-ltd","Qualifying for LTD",[24,22016,22018],{"id":22017},"own-occupation-period","Own Occupation Period",[15,22020,22021,22022,22024],{},"For the first ",[263,22023,6621],{}," of LTD benefits:",[29,22026,22027,22033,22036],{},[32,22028,22029,22030],{},"Disabled means unable to perform your ",[263,22031,22032],{},"own occupation",[32,22034,22035],{},"For pilots: unable to fly as a pilot",[32,22037,22038],{},"Any restriction preventing flight qualifies",[24,22040,22042],{"id":22041},"any-occupation-period","Any Occupation Period",[15,22044,22045],{},"After 24 months:",[29,22047,22048,22053,22056],{},[32,22049,22050,22051],{},"Disabled means unable to perform ",[263,22052,8018],{},[32,22054,22055],{},"More restrictive standard",[32,22057,22058],{},"Must be unable to do any work you're qualified for",[376,22060,22062],{"title":22061,"type":425},"Different Standards",[15,22063,22064],{},"You might qualify during the \"own occupation\" period but not the \"any occupation\" period. Plan accordingly.",[19,22066,22068],{"id":22067},"applying-for-hartford-ltd","Applying for Hartford LTD",[24,22070,22072],{"id":22071},"when-to-apply","When to Apply",[15,22074,22075,22078],{},[263,22076,22077],{},"Apply early:"," Don't wait until day 180",[29,22080,22081,22084,22087],{},[32,22082,22083],{},"Apply around day 90-120",[32,22085,22086],{},"Processing takes time",[32,22088,22089],{},"Ensures payments start promptly at day 181",[24,22091,22093],{"id":22092},"how-to-apply","How to Apply",[441,22095,22096,22102,22107,22112,22117,22122],{},[32,22097,22098,22101],{},[263,22099,22100],{},"Contact Hartford"," directly at 1-888-563-1124",[32,22103,22104],{},[263,22105,22106],{},"Request claim forms",[32,22108,22109],{},[263,22110,22111],{},"Complete employee section",[32,22113,22114],{},[263,22115,22116],{},"Have doctor complete medical section",[32,22118,22119],{},[263,22120,22121],{},"Have FedEx complete employer section",[32,22123,22124],{},[263,22125,22126],{},"Submit and follow up",[24,22128,22130],{"id":22129},"required-information","Required Information",[15,22132,22133],{},[263,22134,22135],{},"Personal:",[29,22137,22138,22141,22143,22145],{},[32,22139,22140],{},"Full name and address",[32,22142,6040],{},[32,22144,10247],{},[32,22146,17441],{},[15,22148,22149],{},[263,22150,22151],{},"Employment:",[29,22153,22154,22157,22160,22163,22165],{},[32,22155,22156],{},"Employee ID",[32,22158,22159],{},"Hire date",[32,22161,22162],{},"Job title and description",[32,22164,8972],{},[32,22166,22167],{},"Current salary information",[15,22169,22170],{},[263,22171,22172],{},"Medical:",[29,22174,22175,22178,22181,22184],{},[32,22176,22177],{},"Treating physician information",[32,22179,22180],{},"Diagnosis and prognosis",[32,22182,22183],{},"Treatment plan",[32,22185,22186],{},"Work restrictions",[19,22188,22190],{"id":22189},"your-ltd-policy-details","Your LTD Policy Details",[24,22192,22194],{"id":22193},"benefit-amount","Benefit Amount",[15,22196,22197],{},"Hartford LTD pays:",[29,22199,22200,22206,22209],{},[32,22201,22202,22205],{},[263,22203,22204],{},"66.67%"," of your pre-disability earnings",[32,22207,22208],{},"Subject to IRS 401(a)(17) limit ($350,000 for 2026)",[32,22210,22211],{},"Reduced by other income (SDI, other disability payments)",[15,22213,22214],{},[263,22215,22216],{},"Maximum Monthly Benefit Calculation:",[413,22218,22221],{"className":22219,"code":22220,"language":418},[416],"$350,000 × 66.67% ÷ 12 = $19,446\u002Fmonth (before offsets)\n",[420,22222,22220],{"__ignoreMap":334},[24,22224,4009],{"id":22225},"taxability",[15,22227,22228],{},"Hartford premiums are employer-paid, so:",[29,22230,22231,22234,22236],{},[32,22232,22233],{},"LTD benefits are taxable income",[32,22235,4771],{},[32,22237,22238],{},"State income tax may apply",[19,22240,22242],{"id":22241},"planning-for-the-transition","Planning for the Transition",[24,22244,22246],{"id":22245},"financial-timeline","Financial Timeline",[413,22248,22251],{"className":22249,"code":22250,"language":418},[416],"Months 1-6:  Sick banks + SDI\nMonth 7+:    LTD + possibly SDI\n",[420,22252,22250],{"__ignoreMap":334},[24,22254,22256],{"id":22255},"key-considerations","Key Considerations",[441,22258,22259,22265,22271],{},[32,22260,22261,22264],{},[263,22262,22263],{},"Cash flow gap:"," Ensure you can cover first 180 days",[32,22266,22267,22270],{},[263,22268,22269],{},"First LTD payment:"," May take additional processing time",[32,22272,22273,22276],{},[263,22274,22275],{},"Offset impact:"," LTD payment will be reduced by SDI",[24,22278,22280],{"id":22279},"documenting-for-hartford","Documenting for Hartford",[15,22282,1317],{},[29,22284,22285,22288,22291,22294],{},[32,22286,22287],{},"All SDI payments received",[32,22289,22290],{},"Sick bank usage",[32,22292,22293],{},"Any other disability income",[32,22295,22296],{},"Medical treatment and documentation",[15,22298,22299],{},"Hartford will ask for this information and verify it.",[19,22301,22303],{"id":22302},"common-ltd-issues","Common LTD Issues",[24,22305,22307],{"id":22306},"claim-denied","Claim Denied",[15,22309,22310],{},"If Hartford denies your LTD claim:",[29,22312,22313,22316,22321,22324],{},[32,22314,22315],{},"Review denial reason carefully",[32,22317,10942,22318,22320],{},[263,22319,10945],{}," to appeal",[32,22322,22323],{},"Gather additional medical evidence",[32,22325,17415],{},[24,22327,22329],{"id":22328},"delayed-approval","Delayed Approval",[15,22331,22332],{},"If approval takes too long:",[29,22334,22335,22338,22341,22344],{},[32,22336,22337],{},"Follow up regularly",[32,22339,22340],{},"Document all contacts",[32,22342,22343],{},"Escalate if necessary",[32,22345,22346],{},"Consider contacting ALPA",[24,22348,22350],{"id":22349},"offset-disputes","Offset Disputes",[15,22352,22353],{},"If you disagree with the administrator's offset calculation:",[29,22355,22356,22359,22362,22367],{},[32,22357,22358],{},"Request detailed calculation",[32,22360,22361],{},"Compare to policy language",[32,22363,17089,22364],{},[35,22365,22366],{"href":1384},"comprehensive offset rules",[32,22368,22369,22370,20202],{},"Use ",[35,22371,11213],{"href":194},[19,22373,22375],{"id":22374},"additional-ltd-topics","Additional LTD Topics",[15,22377,22378],{},"For complete CBA-based information about LTD benefits:",[29,22380,22381,22387,22394,22401,22408,22415],{},[32,22382,22383,8485],{},[263,22384,22385],{},[35,22386,858],{"href":1454},[32,22388,22389,22393],{},[263,22390,22391],{},[35,22392,8492],{"href":1374}," - How benefits are calculated",[32,22395,22396,22400],{},[263,22397,22398],{},[35,22399,8500],{"href":1384}," - CA SDI, SSDI, and outside income offsets",[32,22402,22403,22407],{},[263,22404,22405],{},[35,22406,8247],{"href":8246}," - What's required to maintain benefits",[32,22409,22410,22414],{},[263,22411,22412],{},[35,22413,8302],{"href":8301}," - How long benefits last by condition type",[32,22416,22417,22421],{},[263,22418,22419],{},[35,22420,8429],{"href":8428}," - Your right to access company systems",[19,22423,806],{"id":805},[29,22425,22426,22431,22436],{},[32,22427,22428,22430],{},[35,22429,10164],{"href":180}," - Understanding the math",[32,22432,22433,22435],{},[35,22434,268],{"href":267}," - Calculate your expected benefits",[32,22437,22438,22440],{},[35,22439,14957],{"href":294}," - Hartford phone and details",{"title":334,"searchDepth":335,"depth":335,"links":22442},[22443,22448,22452,22456,22461,22465,22470,22475,22476],{"id":21850,"depth":335,"text":21851,"children":22444},[22445,22446,22447],{"id":21854,"depth":340,"text":21855},{"id":21877,"depth":340,"text":21878},{"id":10949,"depth":340,"text":10950},{"id":21925,"depth":335,"text":21926,"children":22449},[22450,22451],{"id":21929,"depth":340,"text":21930},{"id":21982,"depth":340,"text":21983},{"id":22013,"depth":335,"text":22014,"children":22453},[22454,22455],{"id":22017,"depth":340,"text":22018},{"id":22041,"depth":340,"text":22042},{"id":22067,"depth":335,"text":22068,"children":22457},[22458,22459,22460],{"id":22071,"depth":340,"text":22072},{"id":22092,"depth":340,"text":22093},{"id":22129,"depth":340,"text":22130},{"id":22189,"depth":335,"text":22190,"children":22462},[22463,22464],{"id":22193,"depth":340,"text":22194},{"id":22225,"depth":340,"text":4009},{"id":22241,"depth":335,"text":22242,"children":22466},[22467,22468,22469],{"id":22245,"depth":340,"text":22246},{"id":22255,"depth":340,"text":22256},{"id":22279,"depth":340,"text":22280},{"id":22302,"depth":335,"text":22303,"children":22471},[22472,22473,22474],{"id":22306,"depth":340,"text":22307},{"id":22328,"depth":340,"text":22329},{"id":22349,"depth":340,"text":22350},{"id":22374,"depth":335,"text":22375},{"id":805,"depth":335,"text":806},"Understanding when Long-Term Disability coverage starts","i-lucide-calendar-check",{},10,{"title":174,"description":22477},"guide\u002Fhartford\u002Fwhen-ltd-begins","5nd1HjjCB9lO2Qa_TV8gLSXtJ5I1eDx7ZZK_Gcx4sgQ",{"id":22485,"title":10164,"body":22486,"description":23038,"extension":350,"icon":7253,"lastUpdated":850,"meta":23039,"navigation":354,"order":23040,"path":180,"seo":23041,"stem":23042,"__hash__":23043},"guide\u002Fguide\u002Fhartford\u002Foffset-calculated.md",{"type":8,"value":22487,"toc":23009},[22488,22492,22495,22509,22513,22516,22522,22526,22530,22536,22543,22547,22553,22557,22563,22567,22573,22576,22580,22583,22644,22648,22652,22656,22667,22672,22737,22742,22755,22759,22764,22776,22782,22786,22790,22795,22803,22807,22812,22820,22825,22828,22832,22835,22840,22843,22847,22851,22854,22880,22884,22887,22898,22901,22914,22918,22923,22937,22941,22945,22950,22961,22966,22977,22981,22984,22990,22992],[11,22489,22491],{"id":22490},"how-the-ltd-offset-is-calculated","How the LTD Offset Is Calculated",[15,22493,22494],{},"Understanding the offset calculation is crucial for knowing what you'll actually receive.",[376,22496,22498],{"title":22497,"type":574},"Comprehensive Offset Guide Available",[15,22499,22500,22501,22504,22505,22508],{},"For complete details on ",[263,22502,22503],{},"all offset types"," (CA SDI, SSDI with 70% rule, and outside income), see the ",[35,22506,22507],{"href":1384},"comprehensive LTD Offsets guide",". This page provides a simplified overview.",[19,22510,22512],{"id":22511},"the-basic-concept","The Basic Concept",[15,22514,22515],{},"The LTD administrator reduces your LTD payment by the amount of \"other income\" you receive, including SDI.",[376,22517,22519],{"title":22518,"type":425},"This Is The Core Problem",[15,22520,22521],{},"You pay California SDI tax on your full earnings. But the administrator reduces your LTD by that same SDI amount. You're effectively paying for a benefit that doesn't increase your total income.",[19,22523,22525],{"id":22524},"step-by-step-calculation","Step-by-Step Calculation",[24,22527,22529],{"id":22528},"step-1-calculate-gross-ltd-benefit","Step 1: Calculate Gross LTD Benefit",[413,22531,22534],{"className":22532,"code":22533,"language":418},[416],"Pre-disability earnings: $350,000 (capped at IRS limit)\nLTD percentage: 60% (first 24 months)\nGross monthly LTD: $350,000 × 60% ÷ 12 = $17,500\n",[420,22535,22533],{"__ignoreMap":334},[15,22537,22538,22540,22541,8430],{},[263,22539,6883],{}," Percentage drops to 50% after 24 months. See ",[35,22542,8492],{"href":1374},[24,22544,22546],{"id":22545},"step-2-determine-sdi-weekly-benefit","Step 2: Determine SDI Weekly Benefit",[413,22548,22551],{"className":22549,"code":22550,"language":418},[416],"Highest quarterly earnings: $87,500\nWeekly benefit: ~60-70% of highest weekly wage\nMaximum weekly SDI: $1,765 (2026)\nMonthly SDI: $1,765 × 4.33 = ~$7,642\n",[420,22552,22550],{"__ignoreMap":334},[24,22554,22556],{"id":22555},"step-3-apply-the-offset","Step 3: Apply the Offset",[413,22558,22561],{"className":22559,"code":22560,"language":418},[416],"Gross LTD benefit:       $17,500\u002Fmonth\nLess: SDI offset:        -$7,642\u002Fmonth\nNet LTD payment:         $9,858\u002Fmonth\n",[420,22562,22560],{"__ignoreMap":334},[24,22564,22566],{"id":22565},"your-total-income","Your Total Income",[413,22568,22571],{"className":22569,"code":22570,"language":418},[416],"SDI payment:             $7,015\u002Fmonth\nNet LTD payment:         $12,431\u002Fmonth\nTotal monthly income:    $19,446\u002Fmonth\n",[420,22572,22570],{"__ignoreMap":334},[15,22574,22575],{},"The total is the same whether you receive SDI or not. This is the offset problem.",[19,22577,22579],{"id":22578},"what-counts-as-offset-income","What Counts as Offset Income",[15,22581,22582],{},"Hartford offsets your LTD benefit by:",[490,22584,22585,22595],{},[493,22586,22587],{},[496,22588,22589,22592],{},[499,22590,22591],{},"Income Source",[499,22593,22594],{},"Offset?",[506,22596,22597,22603,22609,22615,22622,22630,22637],{},[496,22598,22599,22601],{},[511,22600,8107],{},[511,22602,9921],{},[496,22604,22605,22607],{},[511,22606,4356],{},[511,22608,9921],{},[496,22610,22611,22613],{},[511,22612,8147],{},[511,22614,9921],{},[496,22616,22617,22620],{},[511,22618,22619],{},"Other state disability",[511,22621,9921],{},[496,22623,22624,22627],{},[511,22625,22626],{},"Retirement pension",[511,22628,22629],{},"Sometimes",[496,22631,22632,22635],{},[511,22633,22634],{},"Investment income",[511,22636,9910],{},[496,22638,22639,22642],{},[511,22640,22641],{},"Spouse's income",[511,22643,9910],{},[19,22645,22647],{"id":22646},"detailed-offset-example","Detailed Offset Example",[24,22649,22651],{"id":22650},"pilot-scenario","Pilot Scenario",[15,22653,22654],{},[263,22655,10002],{},[29,22657,22658,22661,22664],{},[32,22659,22660],{},"Annual earnings: $400,000",[32,22662,22663],{},"LTD cap: $350,000 (IRS limit)",[32,22665,22666],{},"SDI weekly max: $1,620 (2026)",[15,22668,22669],{},[263,22670,22671],{},"Monthly Calculation:",[490,22673,22674,22684],{},[493,22675,22676],{},[496,22677,22678,22681],{},[499,22679,22680],{},"Line Item",[499,22682,22683],{},"Amount",[506,22685,22686,22694,22701,22709,22717,22725],{},[496,22687,22688,22691],{},[511,22689,22690],{},"Earnings (capped at $350K)",[511,22692,22693],{},"$350,000\u002Fyear",[496,22695,22696,22699],{},[511,22697,22698],{},"LTD rate",[511,22700,22204],{},[496,22702,22703,22706],{},[511,22704,22705],{},"Gross annual LTD",[511,22707,22708],{},"$233,345",[496,22710,22711,22714],{},[511,22712,22713],{},"Gross monthly LTD",[511,22715,22716],{},"$19,446",[496,22718,22719,22722],{},[511,22720,22721],{},"SDI monthly (max)",[511,22723,22724],{},"$7,015",[496,22726,22727,22732],{},[511,22728,22729],{},[263,22730,22731],{},"Net LTD payment",[511,22733,22734],{},[263,22735,22736],{},"$12,431",[15,22738,22739],{},[263,22740,22741],{},"What You Receive:",[29,22743,22744,22747,22750],{},[32,22745,22746],{},"From SDI: $7,015\u002Fmonth",[32,22748,22749],{},"From Hartford: $12,431\u002Fmonth",[32,22751,22752],{},[263,22753,22754],{},"Total: $19,446\u002Fmonth",[24,22756,22758],{"id":22757},"what-if-you-didnt-get-sdi","What If You Didn't Get SDI?",[15,22760,22761],{},[263,22762,22763],{},"Without SDI:",[29,22765,22766,22769,22772],{},[32,22767,22768],{},"From SDI: $0",[32,22770,22771],{},"From Hartford: $19,446\u002Fmonth",[32,22773,22774],{},[263,22775,22754],{},[376,22777,22779],{"title":22778,"type":379},"Same Total Either Way",[15,22780,22781],{},"Whether you receive SDI or not, your total income is the same. But you're still paying SDI tax—that's money you'll never see benefit from.",[19,22783,22785],{"id":22784},"the-sdi-tax-cost","The SDI Tax Cost",[24,22787,22789],{"id":22788},"what-you-pay","What You Pay",[15,22791,22792],{},[263,22793,22794],{},"2026 SDI Tax:",[29,22796,22797,22800],{},[32,22798,22799],{},"Rate: 1.3% (uncapped)",[32,22801,22802],{},"On $400,000 earnings: $5,200\u002Fyear",[24,22804,22806],{"id":22805},"what-you-get","What You \"Get\"",[15,22808,22809],{},[263,22810,22811],{},"SDI Benefit:",[29,22813,22814,22817],{},[32,22815,22816],{},"$7,015\u002Fmonth while disabled",[32,22818,22819],{},"BUT: Hartford offsets this amount",[15,22821,22822],{},[263,22823,22824],{},"Net Value: $0",[15,22826,22827],{},"You pay $5,200\u002Fyear for SDI tax, but due to offset, it doesn't increase your actual disability income.",[19,22829,22831],{"id":22830},"policy-language","Policy Language",[15,22833,22834],{},"The Hartford policy typically states something like:",[4078,22836,22837],{},[15,22838,22839],{},"\"Monthly benefit will be reduced by Other Income Benefits, including but not limited to state disability benefits...\"",[15,22841,22842],{},"The specific language matters. Request your complete policy to review exact offset provisions.",[19,22844,22846],{"id":22845},"fighting-the-offset","Fighting the Offset",[24,22848,22850],{"id":22849},"options-are-limited","Options Are Limited",[15,22852,22853],{},"The offset is a policy provision, not a Hartford error. However:",[441,22855,22856,22862,22868,22874],{},[32,22857,22858,22861],{},[263,22859,22860],{},"Verify the calculation"," - Ensure Hartford calculated correctly",[32,22863,22864,22867],{},[263,22865,22866],{},"Check policy language"," - Look for any exceptions",[32,22869,22870,22873],{},[263,22871,22872],{},"Consider PBRB"," - For calculation disputes",[32,22875,22876,22879],{},[263,22877,22878],{},"Advocate for change"," - Through union for future policies",[24,22881,22883],{"id":22882},"when-hartford-makes-errors","When Hartford Makes Errors",[15,22885,22886],{},"Hartford may miscalculate if:",[29,22888,22889,22892,22895],{},[32,22890,22891],{},"Wrong SDI amount used",[32,22893,22894],{},"Incorrect timing of offset application",[32,22896,22897],{},"Misunderstanding of when SDI pays",[15,22899,22900],{},"If you believe there's an error:",[441,22902,22903,22905,22908,22911],{},[32,22904,22358],{},[32,22906,22907],{},"Compare to actual SDI payments",[32,22909,22910],{},"Dispute in writing",[32,22912,22913],{},"Escalate as needed",[19,22915,22917],{"id":22916},"estimating-your-offset","Estimating Your Offset",[15,22919,2596,22920,22922],{},[35,22921,268],{"href":267}," to estimate:",[29,22924,22925,22928,22931,22934],{},[32,22926,22927],{},"Your expected SDI weekly benefit",[32,22929,22930],{},"Your expected LTD monthly benefit",[32,22932,22933],{},"The offset amount",[32,22935,22936],{},"Your total expected income",[19,22938,22940],{"id":22939},"timing-of-offsets","Timing of Offsets",[24,22942,22944],{"id":22943},"when-offsets-apply","When Offsets Apply",[15,22946,22947],{},[263,22948,22949],{},"During LTD elimination period (Days 1-180):",[29,22951,22952,22955,22958],{},[32,22953,22954],{},"No LTD payments",[32,22956,22957],{},"No offset (nothing to offset from)",[32,22959,22960],{},"SDI pays independently",[15,22962,22963],{},[263,22964,22965],{},"After LTD begins (Day 181+):",[29,22967,22968,22971,22974],{},[32,22969,22970],{},"LTD payments begin",[32,22972,22973],{},"Offset applies to each payment",[32,22975,22976],{},"Monthly reconciliation may occur",[24,22978,22980],{"id":22979},"if-sdi-ends-before-ltd","If SDI Ends Before LTD",[15,22982,22983],{},"SDI maximum duration is typically 52 weeks. LTD can continue longer.",[413,22985,22988],{"className":22986,"code":22987,"language":418},[416],"Months 1-12:  SDI + LTD (offset applied)\nMonths 13+:   LTD only (no offset, full LTD amount)\n",[420,22989,22987],{"__ignoreMap":334},[19,22991,806],{"id":805},[29,22993,22994,22999,23004],{},[32,22995,22996,22998],{},[35,22997,268],{"href":267}," - Calculate your specific situation",[32,23000,23001,23003],{},[35,23002,10864],{"href":187}," - If you need to dispute",[32,23005,23006,23008],{},[35,23007,195],{"href":194}," - Pilot Benefit Review Board option",{"title":334,"searchDepth":335,"depth":335,"links":23010},[23011,23012,23018,23019,23023,23027,23028,23032,23033,23037],{"id":22511,"depth":335,"text":22512},{"id":22524,"depth":335,"text":22525,"children":23013},[23014,23015,23016,23017],{"id":22528,"depth":340,"text":22529},{"id":22545,"depth":340,"text":22546},{"id":22555,"depth":340,"text":22556},{"id":22565,"depth":340,"text":22566},{"id":22578,"depth":335,"text":22579},{"id":22646,"depth":335,"text":22647,"children":23020},[23021,23022],{"id":22650,"depth":340,"text":22651},{"id":22757,"depth":340,"text":22758},{"id":22784,"depth":335,"text":22785,"children":23024},[23025,23026],{"id":22788,"depth":340,"text":22789},{"id":22805,"depth":340,"text":22806},{"id":22830,"depth":335,"text":22831},{"id":22845,"depth":335,"text":22846,"children":23029},[23030,23031],{"id":22849,"depth":340,"text":22850},{"id":22882,"depth":340,"text":22883},{"id":22916,"depth":335,"text":22917},{"id":22939,"depth":335,"text":22940,"children":23034},[23035,23036],{"id":22943,"depth":340,"text":22944},{"id":22979,"depth":340,"text":22980},{"id":805,"depth":335,"text":806},"Understanding the LTD offset calculation",{},20,{"title":10164,"description":23038},"guide\u002Fhartford\u002Foffset-calculated","W0wjsxv198MK52AmBijxNxGHk5HB_pwzbVeabm2ikdo",1777262047595]