Virgin Pilot Disability Insurance

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 more than 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.
  • 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 12 months and payable for up to 4 years.

Extended Long-Term Disability & Loss of License Plan

These options are designed to provide extended disability income protection after your Harvey Watt Air Health and Lump Sum plans (sold separately) have paid the number of monthly payments you choose (up to 48 mo.) Unlike the Air Health plans, if this plan and others pay for the same time period disabled, one of those plans may reduce benefits.

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 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.


CLICK A PDF BELOW to View our Pilot Disability Enrollment Package below: