In this episode, we dive into the details of LOA 24-05 and its impact on United pilots’ retirement benefits. Together, we discuss the Market-Based Cash Balance Plan, why it was introduced, and how it compares to the Retiree Health Account (RHA). We break down key concepts like IRS contribution limits, the contingent benefit rule, and the company’s plan to implement interim changes while awaiting IRS approval. We also explore the pros and cons of voting yes or no based on your career stage, R...