insurance is great if you can use it, many ways you cant. when you first hire you will be told you have it but cant use it if you try, also if you get laid off when you come back you will be told you have it but cant use it,, because abf reports hours to team care on the 19 of the month after you worked, so it takes 2 months for hours to catch you up in system for team care to say yes you are able to use. also the 3 tours rule on road drivers. for example i went in hospital on tuesday, only had one tour on sunday. on wed. i was told by steward i needed check out hospital and run friday and saturday or insurance would not pay as i had no sick days left to use. 25,000 dollars was billed for 3 days. i told doctor sorry i need leave and go to work, if you get a heart attack before you got 3 tours in, you better suck it up and go to work. its a horrible thing to take away your insurance just when you need it. dont understand why teamsters would ever agree to 3 tours or lose insurance that week. i guess they all thought they would get sick on friday. if you have any medical problems your sick days will be gone fast. i had used mine to extend a vacation. then sick later. your sick days wont even cover 2 weeks out for covid. you need six for 2 weeks. this needs changed in contract but drivers dont think about these things until they are in the situation.