As far as disability goes, we have both short term and long term disability. If you become disabled, typically you burn through all of your sick leave first, then go on short-term disability (90 days) then you go on long term disability at 55% pay. No B and C fund contributions, although they pay for your medical as much as they did before. There are offsets for state disability and a few other things I don't remember off the top of my head. The disability policies cost zero dollars per month. I'm pretty sure you continue to accrue longevity. The disability stuff will be both in the contract and separate LOA's.
We recently came to an agreement with the company about pilots on long term disability being able to earn a separate income while on disability. The benefit gets reduced depending upon how much the pilot earns on the side vs. getting possibly cut off altogether. We also are fighting with the company over over age 60 pilots on disability. Our contract, written before the age 60 rule has references that the company feels allows them to cut off pilots at age 60 from disability. We feel that they should pay until age 65. The company is, however, continuing to pay the over age 60 guys on disability while we argue over that aspect of our disability.