At Disability Insurance Law Group, our Florida and nationwide airline pilot disability insurance lawyers know that flying is what our clients do best. When they are in the air, transporting passengers from coast to coast or country to country, they are providing a service that not just anyone can deliver.
It is estimated that around 617,000 pilots hold active pilot certificates, with around 110,000 pilots working in commercial aviation. While there is no doubt that pilots are crucial to business and recreational travel, their health and well-being are vital to their ability to accurately do their jobs.
When their health is compromised by injury or illness, their career and financial stability are at risk. That is where pilot disability insurance comes in. For airline pilots, a disability is defined as the inability to perform the substantial and material duties of a commercial pilot because of injury or sickness. The disability insurance pilots carry is often available in stand-alone or supplemental disability insurance protection through private policies or employer-provided coverage. The problem is collecting the benefits outlined in their coverage when an injury or illness grounds them from working.
Whether your plan is a monthly pay benefit or a lump sum allotment for a career-ending injury or illness, our disability insurance attorneys in Florida represent pilots across the nation and want to help ensure they get the coverage they are entitled to from their insurance carriers.
Pilot disability insurance provides financial support to pilots in the event of a disabling injury or illness. The benefits may be used for living expenses, medical bills, and other costs when pilots are unable to work for extended periods — or again going forward.
Because of their occupation, pilots face unique challenges and risks that can put their financial stability and well-being in jeopardy. Pilots are at a higher risk of injury or illness due to their jobs’ physical and mental demands, consistent exposure to high altitudes, and other hazardous conditions.
However, even when they are not acting as aviators, they can also fall victim to accidents and illnesses that other people face in their daily lives.
If a pilot becomes disabled and cannot work, their income may be severely impacted and the limited coverage from other sources — like workers’ compensation or social security — may not fill their overall financial support needs.
Our pilot disability insurance lawyers represent aviators throughout the United States whose claims are being challenged by their coverage providers, so they can pursue the benefits they are entitled to and continue to live their lives with confidence on the ground.
Like most disability insurance policies, there are several types designed specifically for pilots, each with its unique benefits, limitations, and requirements.
They include:
The difference in these coverages will be fully outlined in a pilot’s policy, which is often difficult to decipher, even for well-educated aviators across the nation. Even when pilots believe they understand the terms of their disability insurance policy, their provider may dispute their claims.
Our job, as U.S. disability insurance attorneys for airline pilots, is to help you maximize the benefits under your disability policy, whether you are permanently unable to work, or would like to step away from the aviation industry and engage in another type of work that accommodates your abilities.
Contact us today to learn how we can help you pursue your airline pilot disability insurance for your complete benefit needs, so you can get back to enjoying life as an individual, instead of a policy number.
Unlike many other professions, before airline pilots can collect disability benefits, they must be ruled unfit to fly by the Federal Aviation Association (FAA) and its Aviation Medical Expert (AME). When this is true, this ruling may give a pilot exactly what he or she needs to pursue disability benefits — as the FAA typically has the final word on a pilot’s physical or mental wellness. However, this does not mean the insurance company will not dispute the claim anyway.
In other cases, another physician or group of physicians — not affiliated with the FAA — may deem a pilot unfit to fly because of an injury or illness. While this medical threshold is typically sound evidence when pursuing a disability claim, the insurance company may deny the claim because it did not come from the FAA or AME.
This is not only unfair but forcing a pilot to return to work — to maintain their financial stability in the face of a disability insurance claim denial — may place hundreds of thousands of people in danger.
If there has been a change in your ability to work as an airline pilot, no matter where you are in the U.S., we can help you pursue your disability insurance for your complete coverage needs, despite their initial denial.
Our disability insurance attorneys see your claim differently, and we want to help by reviewing your case during a free consultation. From there we will outline the medical evidence and other crucial documentation that supports your disability claim and present it to your insurance company to pursue the disability benefits you are entitled to from your unique policy.
We are more than disability insurance lawyers for airline pilots in Florida and throughout the U.S.: We are client advocates who represent real people, not case numbers, who have a real need to pursue their disability insurance policies for the coverage they have paid for as airline pilots.
Do not allow your disability insurance company to diminish the reality of how your injury or illness impacts your ability to be an airline pilot. Allow us to take the lead in your case and pursue real results that allow you to enjoy the quality of life that comes with putting your claim behind you, just as we have successfully done for thousands of professionals across the nation.
Contact our skilled disability insurance attorneys for airline pilots in today by calling (954)-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you — no matter where you work or live in the U.S.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.
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