I already have disability through my pilot's union, what's different about this?

Most of our clients already have *some* disability insurance through their airline contract, union, or pilots association. However, this additional insurance stacks on top of their current company group policy. In most situations, we have seen income coverage that oftentimes does not surpass the 50% mark. Our coverage goes as high as 70% of your gross income. This is a big difference, if you are a high-income earner. Please understand that you may have a cap on your current disability coverage.

Do commercial pilots have unusually high disability rates? Is that why you have pilot specific disability insurance?

The road to being disabled is hard enough when you consider debilitating diseases such as ALS, Cancer, or any number of other illnesses or accidents that could prevent you from working and earning income. It's especially precarious if you are a pilot, because the viability of your pilot's license depends on passing an FAA Medical Examination.

What type of things would cause someone to lose their FAA License due to medical problems?

There are all sorts of things that can cause someone to fail this exam and subsequently lose their license. Here is some info from the FAA regarding situations that put you in jeaopardy with the FAA Medical Exam.

What is a pre-existing condition?

This is when someone has a medical problem prior to applying for insurance. We have a very specific policy on our disability supplement insurance. You can read about our Medical Pre-Existing Condition Policy here.

How do I apply for this insurance?

We have made applying easy. Click the link (eventually insert enrollment link) on the menu. Please make sure you select the appropriate airline.

What is the "Elimination Period"?

This is the continuous period from the time the pilot loses his medical before benefits become payable. This is also known as a “waiting period.”

What is the "Benefit Period"?

This is the period following the elimination period that the benefits are paid to the insured. Assuming the insured is still out with a loss of medical, this period can last up to a maximum of 10 years.

What is the "Premium"?

The premium is the amount of money that the insured must pay for the insurance policy.

When will the policy go into effect?

The policy will begin as soon as you sign up and enter your payment info. You will then receive a confirmation email.

Please submit all specific questions through e-mail or our online contact form. We look forward to hearing from you.