Aircraft Pilot Disability And Loss of License Insurance 

According to the American Safety Council, a disabling injury occurs once every 1.5 seconds in the United States. If you became unable to work for a year or longer due to illness or injury, could you meet your financial responsibilities?

Statistically, pilots experience a higher disability rate than other work groups due to the stringent health requirements imposed by the FAA. Even a slight medical deficiency can cause certification problems with one’s medical, a requirement to fly airplanes for a living.

Safeguard yourself and your family with financial protection from Transport Risk Managment, Inc. Should any medical issues arise, our insurers provide the coverage you deserve at the time of your greatest need.

Pilot Disability and Loss of Medical Coverage

Pilot disability insurance is financial protection should a pilot be unable to continue flying due to health issues and loss of medical. Our policies provide professional pilots with tax-free, monthly or lump sum benefits should they be unable to continue employment due to the loss of his or her medical.

All policies are considered an “own occupation” disability policies. This is an extremely important feature; it means that one is considered disabled if unable to perform the job functions specifically as a pilot. The policy language is designed solely for professional pilots and disability is triggered at the loss of one’s FAA Medical Certificate either temporarily or permanently.

What are some health issues that cause a pilot to permanent lose their FAA medical certificate?

*This is not restricted solely to this list but the most common reasons are:

• Diabetes
  
• Psychosis
• Coronary Heart Disease
  
• Bipolar Disorder
• Heart Replacement
• Substance Dependence or Abuse
• Cardiac Valve Replacement 10. Epilepsy
• Angina (Chest Pains)
  
• Loss of Consciousness (Within Limits)
• Myocardial Infarction (Heart Attack)
• Transient Losses of Nervous System

Qualifying Pilots:

• Agricultural Pilots 
• Corporate and Business Aviation Pilots
• Helicopter Pilots
• Film Production Pilots 
• Air Cargo Pilots
  
• Aircraft Test Pilots
• Air Ambulance Pilots
• Airline Pilots
• Airshow Pilots
  
• Flight Instructors
  

Coverage Periods and Benefits:

• Monthly Benefit Amounts up to $25,000 Per Month

• Monthly Benefit Periods up to 60 months.

• Elimination Periods up to 180 Days or Longer

• Considered an “own occupation” disability insurance and policy wording is designed specifically for professional airline, cargo, corporate, helicopter, and 135/charter pilots.

• Supplements any additional disability payments from other sources with no reduction of benefits. One can receive full Pilot Protection Plan benefits in addition to employer offered Long Term Disability payments without restrictions.