Pilot Disability Planner

Your assumptions

Private to your browser: values are saved locally and are not uploaded by this app. Do not enter confidential identifiers.

Current annual pilot compensation

Age during 2026

Retirement age

POD monthly election

PMA monthly election

Salary increase in year

New annual salary

Federal marginal tax estimate

State income tax estimate

Medicare tax on imputed value

Annual LTD-imputed income

Hourly crew rate for ESB

ESB hours used over first 60 days

ESB combined withholding estimate (%)

Generic defaults are provided. Enter your own pay, elected coverage, ESB assumptions, and taxes. Use Reset to restore generic defaults; private values are not built into this website.

Projected benefit paychecks monthly

ESB • first 60 days—

Estimated NET/month if ESB hours can be used

LTD only—

Tax-free if election applies

LTD + PMA—

Up to 12 PMA payments

LTD + POD—

After applicable POD wait

Assumes current salary is the plan's qualifying average compensation. PMA's tax-free status is unverified; its displayed combined figure is a before-tax planning amount, not a confirmed NET payment. POD payments are subject to plan benefit limits and age restrictions.

Your cost each year published 2025 rate table

POD premiumPMA contributionEst. LTD election tax

Year / age	AA salary	POD	PMA	LTD tax est.	Total cost

The salary column reflects the selected raise but does not imply LTD qualifying average pay rises immediately. 2026 uses a full-year illustration at the published April 2025 rates. For 2027 the model applies current rates in January, then doubled rates from February through December, following adopted resolution R2026-51. 2028 onward assumes doubled rates remain unchanged. Actual premiums, eligibility, and future schedules may change. LTD tax cost is not an insurance premium.

Disability income at different salaries

Annual income	LTD / mo	+ PMA / mo	+ POD / mo

The salary model assumes the stated annual earnings have fully entered LTD Average Monthly Compensation; that need not happen immediately after a raise.

Benefit timeline illustrative

Days 1–60ESBbridge

After day 60LTDsubject to leave

PMA period+ electedup to 12 pays

After 14 moPODage limits

PMA's precise elimination-period start date is not established by the available PMA overview. Do not interpret these phases as mutually exclusive or guaranteed consecutive payment periods. The 14-month POD elimination period applies to new claims filed from February 1, 2027, under the adopted resolution you supplied.

Coverage value vs. cost

One year of POD—

If all 12 monthly benefits are payable

One year of PMA—

If all 12 monthly benefits are payable

This is a premium-versus-benefit comparison, not a probability-weighted ROI. Actual value requires likelihood of a qualifying disability, remaining eligible duration, claim exclusions, and your own financial reserves.

Your source documents

Reference model: January 2026 PMA summary, April 2025 POD age-rate schedule, American Airlines 2023 CBA Rev. 1 (Jan. 2026), and adopted 2027 POD rate/waiting-period resolution. No personal enrollment or payroll documents are included in this site. Verify redistribution rights for underlying materials before sharing.

Known limits: PMA up to 12 monthly payments per disability (age 65 cutoff and lifetime limitations), POD maximum selected coverage up to 40% of average monthly crew pay, LTD 50% of qualifying average monthly compensation, and ESB 180-hour maximum per qualifying event. POD's basic benefit duration and any extended benefits depend on the full plan booklet, beyond the two-page overview.