AOPA Insurance Services

Pilot Disability Loss of Medical License Insurance

AOPA is always searching for the finest products and services to meet members needs. Knowing how vulnerable professional pilots are to losing their medical certificate for a small medical issue, AOPA formed a search committee. This committee was tasked with identifying and determining the best Pilot Disability Loss of Medical License Insurance for its membership. The Harvey Watt product line was the only one that was determined to be worthy of the AOPA endorsement. Longevity, quality, re-certification services, respected medical staff members, US Insurance companies, and a reputation for advocating for pilots and paying claims all made the decision easy for AOPA.


Please review the options carefully and speak with a Harvey Watt representative for more information. They are not paid on commission and are there to help with no pressure.


The risk of becoming disabled is real. According to the Council for Disability Awareness1, one-in-eight workers will be disabled for five years of more during their working careers. Harvey Watt & Co. pioneered the development of Loss of License Insurance in 1951. Today our company administers disability insurance coverage for over 65,000 pilots, the most in the US.  


Harvey Watt & Co. offers policy owners Aviation Medical Advocacy at no charge. If there's a way to help you get back in the air, our Medical Director will find it. Dr. Fred Tilton, the former Federal Air Surgeon, is here to help you.

  • Replace income if you can no longer fly due to your health.
  • Portability: Coverage and rates will not change if who you fly for, where you fly, or your union changes.
  • No Future Health Questions: Once enrolled, if your policy has not terminated, you keep your coverage with no future health questions.
  • Harvey Watt representatives are paid by salary, not commission. 
  • Our experience tells us 1 in 20 pilots are on long term disability every year.

Harvey Watt & Co. exclusively offers the following Pilot Disability Income Insurance Plans:

Pilot Short Term Disability
Three optional waiting periods. We recommend choosing a waiting period matching your savings, sick bank balance, or use this plan in lieu of sick bank to save it. Contact us to save by lengthening your waiting period as your needs change. If this and other plans pay for the same time disabled, one of those plans may be reduced. This plan pays during the first six months grounded before other Harvey Watt Insurance begins.

Lump Sum Catastrophic Disability Income Insurance2
A Lump Sum benefit is payable when you are permanently unable to fly. It allows a disabled pilot to live within the reduced monthly income that invariably follows a permanent Loss of License.

Air Health Monthly Pay Disability Income Insurance2
A Monthly Pay benefit to supplement your income on a monthly basis, including when you are temporarily disabled, but expecting to return to active flight status when your health permits. Waiting periods as short as 6 months and payable for up to 4 years. 

As the world’s largest loss of license manager, we have exclusive plans to meet needs of every type of professional pilot to supplement or be your only coverage. Contact Us to help compare options and understand your current airline’s coverage we likely also manage.



1Commissioner's Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

Lump Sum Catastrophic Benefit and Air Health Monthly Pay Benefit are provided under the Pilot Occupational Disability Income Insurance Policy (Policy Series 425) underwritten by Americo Financial Life and Annuity Insurance Company, Dallas, TX.  Administrative Offices: Kansas City, MO.  Products may not be available in all states.


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