What kind of loss of medical insurance is offered at the various major airlines? Is it just whatever ALPA offers paid for by the individuals or do any of the airlines offer it as a free benefit? What is the duration of the coverage (a couple of years after medical loss or until age 60/65)? Does anyone know what insurance companies the airlines use for this insurance if they aren't using the ALPA coverage? I've checked out the Harvey Watt stuff that is offered for non-airline pilots and it is all based on the Social Security definition of disabled (total inability to work any job, versus just loss of pilot medical) and that isn't the kind of coverage I'm interested in. Does anybody know any other companies to check out other than Harvey Watt? I work for NetJets and I am trying to help the new union to find a product to offer us that goes beyond the 2 years of coverage we already have for a reasonable price that doesn't go strictly by the fully disabled definition that is the only supplemental thing I've seen so far. We tried this on the fractionals forum, but it hasn't gotten very far and I'm guessing I'll get some more useful info here.