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Airlines news

Sunday, October 20, 2013

Insurance - HL 186 (4)


From: Tomtedder

Date: 10/16/2013 12:26:57 AM


Subject: Fwd: Annual Open Enrollment and Atlanta Road Show

 

Hope you will include this in your next email.

Tom Tedder tomtedder@aol.com

 

Insurance Trust for Delta Retirees –
Annual Open Enrollment and Atlanta Road Show!

October 14 – November 8:
The Trust's 2014 Annual Open Enrollment

Trust Plan enrollment kits* are scheduled to mail by October 11, including your 2014 Benefits Guide, Annual Review, and personalized election form. If you do not receive your kit by October 18, call Marsh at 1-877-325-7265, Option 1 to request a kit.

 

Click here for more information:


 

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Correction to Survivor Benefits FAQs in HL 185:  Also this correction and FAQ’s now permanently on our Survivor Page which is a great resource for you and your spouse:  http://pcn.homestead.com/DLSurv.html

 

From: evan gost

Date: 10/19/2013 3:28:38 PM


Subject: RE: Survivors Benefits

 

M-

Mark was not aware that I had replied to you. I apologize if I occasionally make an erroneous statement in my communications and welcome corrections from those who find the errors and are responsible enough to inform me. That being said, I will expand upon my last response to you.

A major problem that appears to exist is that a number of retired pilots and their potential survivors as well as existing survivors of deceased pilots do not have an understanding of their benefits. Many of them either do not have access to the relevant documentation or do not seem to be able to easily sort through legal documentation. Accordingly, we attempt to communicate in relatively simple language that is easy to comprehend.

One of the problems in communicating about the D&S Plan is that there have been a number of changes through the years. If we spell out the legal terminology of each and every change, most likely few people would be able to wade through the communication without losing concentration. For example, the attachments will reflect the changes in the definition of a spouse from the original document in 1972, the revision in 1986 and the revision in 1996. It would be wonderful if we could come up with a simple completely accurate definition that applied to all situations, but that appears to be impossible.   Alternatively, we can tell people to reference documentation that they do not understand or do not have.

In general we have opted to target the communication to the vast majority of potential surviving spouses and that happens to be the group that fall under the provisions of the 1996 revision of the D&S Plan. You have raised a valid point about the few survivors who were divorced from pilots after their retirement if the pilot retired before July 1, 1996. I already have made a correction in that regard to the recently posted FAQ's under the News section on the DDPSA website. I also believe that it is fitting to have Mark post a correction on PCN. I do not think that it would be very effective to simply tell retired pilots and their potential survivors to look at reference material. 

It would be desirable to have an expert on the definitions of eligible family members and spouses who could sort through all of the historical variations of the D&S Plan and provide answers to survivors, retired pilots and potential survivors. If you would agree to take on that responsibility, it would relieve me of some of my volunteer efforts. As it stands now, I spend a lot of hours every week answering questions as well as attempting to sort out issues relating to the D&S Plan.

You may not be aware of one of the issues that we addressed that proved to be beneficial to a number of survivors. Prior to September 1, 2001, survivors of pilots who deceased before retiring were subject to the loss of their survivor benefits if they remarried. That penalty was removed for deaths that occurred after September 1, 2001, but remained in effect for deaths that occurred before September 1, 2001. Under the threat of termination of benefits, those survivors had to certify every year that they had not married. Three DDPSA Board Members went to Atlanta in January 2011 to discuss a number of issues with ALPA. The marriage penalty was one of those issues. The outcome that ALPA discussed the issue with Delta. Delta initially refused to bend, but agreed to notify ALPA before terminating benefits. Several months later, ALPA contacted me requesting help in locating 3 survivors who had not responded to the annual certification. Fortunately, I was able to locate them with the help of a third party. One of survivors, who was in her 90's, hardly was a candidate for matrimony. Eventually ALPA was able to convince Delta that the measure was more punitive than cost savings as survivors simply were not going to marry if marriage would result in the loss of benefits. The restriction was lifted for marriages that occurred after July 1, 2012. 

This is an example of time well spent on an issue. We certainly could use some help to ensure that we do not burn out on our voluntary efforts.

Ev                                                                                                                                                                             

See below for more on this issue.

 

From: evan gost

Date: 10/14/2013 8:39:52 PM


Subject: Correction to the FAQ's on Survivor Benefits

 Hi Mark-

I received an email informing me of an error in the Frequently Asked Questions about Survivor Benefits that were posted on the last PCN Blog. Apparently the requirement that the spouse be married to the pilot continuously from the Event Date until the date of his death was not introduced until July 1, 1996. Spouses of pilots who retired before that date may want to contact Delta to confirm their eligibility for survivor benefits in the event of divorce.

Ev

More:

From: evan gost

Date: 10/20/2013 12:45:23 PM


Subject: RE: Correction to the FAQ's on Survivor Benefits

 

Mark-    Please print the following message in the next PCN.

Thanks.

Ev

"A survivor of a deceased Delta pilot brought our attention to an error in the Frequently Asked Questions published in the last PCN. Those FAQ's were focused on D&S Plan survivors' benefits. 

The requirements of a surviving spouse's eligibility for monthly income survivors benefits has changed through the years. Prior to the July 1, 1996 amendment to the D&S Plan, a spouse who met the eligibility requirements at the time of the pilot's retirement still remained eligible if divorce occurred after the date of retirement. However, there still was a requirement that the pilot provided more than 50% of the spouse's support. In the case of pilots who retired between July 1, 1996, and before January 1, 2008, the spouse must have been married to the pilot continuously from the Event Date until the date of the pilot's death in order to be eligible for monthly income survivor benefits. "

 

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From:  email withheld

Date: 10/17/13 06:47:52


Subject: Survivors Benefits

 

Question #2 - How does the D&S define an eligible surviving spouse?  Pilots have retired under different ALPA contracts with Delta.  Each contract has a different explanation of benefits.  The answer given to question 2 has many answers and addressing only one is misleading.  I would suggest all survivors read the contract under which the pilot retired in order to know who qualifies for survivor benefits.  Please do not publish my name.

Sincerely

Name withheld by request.

Addendum: Ev will be adding an informative post in this section from time to time so look for them. By the way, check out Ev’s Thanksgiving week condo in Kauai in PCN Ads at. http://pilotcommunication.net/

 

From: evan gost

Date: 10/18/13 23:42:55


Subject: RE: Published ad

 

Thanks Mark. By the way, I plan to keep sending information to PCN. Short bursts of the same information seem to work better than a long detailed article.

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Mark,

Thank you for the information you send out. I am a Widow of a retired Pilot with Delta. He made $15,000 a month for aprox 3 years. 40 years of service with Pacific Northern Airlines, Western and Delta. I receive $1,600.00 a month on the survivors benefit. You had stated $5000. In your article. I do not know with Western Survivors if there is a difference. He retired with Delta on the MD-11 flying to Narita and the east in July of 1993. I also know of another widow in the same category as myself. There may be some differences in the calculations. He also lost the retirement. I am very grateful to receive the $1,600. A month plus I get the survivors Medical plan through the Pilots.

 

Thank You,

 

Nancy Bailey

Husband: Robert T. Bailey


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RE: Survivor Benefit Web Page

From: Chris Rieder [mailto:riederc@comcast.net]
Sent: Thursday, October 17, 2013 12:35 PM
To: Kenny Kinman
Subject: locating Mark Stanzyos

 I'm a retired Delta pilot and met Mark Stanzyos (sp?) several years ago when we both worked very briefly for Eos Airlines.  A dear friend of mine, another retired Delta pilot, passed away recently and his widow is having some difficulty with Delta regarding her survivor benefits.  As I recall, Mark was quite knowledgable of such matters. I was hoping to put my friend's widow, Sandy Osborne, in touch with Mark in with the hope that he might be able to answer a few questions she has regarding the above.

 I understand that Mark work(s/ed) for you.. Could you help me out by passing along my email and telephone number to Mark with a request that he get in touch with me? 

        Chris Rieder

Editor: Chris,

I got your email from Kenny and sorry to hear about the loss of your friend.  In my newsletter Ev Gost just sent in a FAQ's for survivors and it is quite up to date and informative:

 


 

Also, I have published a "Survivor's Page" on the PCN website and here it is:

 


 

I sure hope this helps.  Please get back in touch if you need anything more.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Full post disclaimer in left column. PCN Home Page is located at: http://pcn.homestead.com/home01.html

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