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a pilot; after 10 years as a pilot, you have (1) permanent protection in the form of an income if you are permanently and totally disabled, no matter what the cause, our whether or not you are still a pilot, (2) you have an immediate income if you have to quit flying because you're disqualified as an air line pilot; and (3) your family has permanent insurance protection; and after 18 months as an air line pilot, and as long as you work as such your family is protected by insurance, which, when you've served 10 years, becomes permanent. Try taking 20 percent of your income and see how much of this you can buy on your own. Most of it you can't buy at any price. If I pay my social security tax and get my full social security benefit, why can't I get my $200 without having any part of it come from social security at 65? You could be paying a higher tax. In calculating the tax or the ALPA system, account is taken of the social security offset at 65, and the tax is cut accordingly. Even if I didn't mind paying 10 percent of my pay into the pot I want it back if I decide to quit flying. Can I get it back if I quit? No you can't. And it wouldn't be much of a plan if you could. The plan is intended to pay annuities--or give incomes to your wife and minor children if you die. If you could draw your money back every time you quit maybe you could buy another Rolls-Royce while you were young but it's a cinch you wouldn't have any annuity. 17