When it comes to disability coverage for the commercial pilot community, one quickly realizes the unique challenges that this profession brings to the table. Yes, disability through accident or illness is a risk, but so is failing the FAA Medical Exam for any multitude of reasons. In fact, one could "feel fine" and still fail the medical. If that happens, the pilot can not work, and usually, can not make money.
As a pilot for any commercial entity, passenger or cargo, you may be privy to a handful of overlapping benefits from your corporate employer, your pilot's association (if you are a member of one), and individual coverage that you can buy on your own. There are lots of resources on line that describe these benefits.
Since this webpage is dedicated to disability insurance for independent pilots and those not working for specifically named carriers elsewhere on this site, let's talk about what choices you have: First off, you will notice that this issue is oftentimes a "side show" compared to sick leave, 401k's, and stock options. We find this unsettling because what is the greatest risk to your income? Answer: disability, and for pilots it is even more precarious because it is a matter of passing your FAA Medical. Did you know that sometimes you feel fine, can most likely do your job, and then fail the FAA Medical? Don't believe it can happen to you? We suggest you read and watch this.
Oftentimes, disability insurance is "OPTIONAL" for your pilot group. If you don't "buy it" by paying premiums out of your paycheck, you are not covered. Sometimes, the employer will have small amounts of disability insurance, or coverage that is lacking in several different ways. The question you have to ask yourself is: "can I live on that disability payment?" or "can I maintain my current lifestyle if I become disabled?". If I don't consider myself disabled, but fail my FAA medical, will that insurance pay?
These are all great questions and we suggest you immediately call us if you are not sure on these issues. Our professionals are very well-versed on the different carriers and related disability policies and coverages. They know the important questions to ask so you get straight answers and protect your family.
Whether we talk on the phone or in person, the objective is to MAKE SURE that you have the right policy for you. This includes making sure there are no conflicts or double-coverage with the benefits package you currently have.
Each quote can vary depending on your current income, the nature of your exact job, flight frequency, and other factors. If you want to save money, you get a custom quote. That's how we stay competitive and can proudly say we have the best disability program in the airline pilot community.
We are here. If you ever have a question, simply call us. The people that sell it, are also the people that service your account. We consider you family, so why would we send you to a call center with an anonymous voice somewhere? If you need something, call us directly.
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Weekends: By Appointment