What is Extended Long Term Disability?

This plan provides disability coverage after the benefits cease from the Long Term Disability plan and will continue paying a benefit until the airman turns 65 or beyond if the pilot is disabled in his/her 60’s.  Pilots can choose a loss of medical license definition of disability (Option 4 or 5) or a more traditional definition of disability (Options 1-3) that will provide benefits if unable to return to work and earn at least 60% of pre-disability earnings. Cost and benefits are based on the earnings you report.

Regardless of the plan purchased, all policyholders receive unlimited FAA Medical Certification Services to assist in all levels of FAA Medical issues from a small medication question to having us present the pilot’s case to the FAA Cardiac Review Board for recertification. Our experience shows 1 in 20 pilots are on disability every year whereas traditional disability insurance sees utilization rates of 3 in 1000 covered persons on LTD each year. These are confidential and voluntary services overseen by our Medical Director, Dr. Fred Tilton, the former US Federal Air Surgeon.