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What's Pilot Disability Insurance?

What's Pilot Disability Insurance?

Pilot disability insurance, also known as loss of license insurance, provides income protection for professional pilots. If the pilot becomes disabled and unable to work, these insurance benefits provides income during the period in which the pilot is unable to work.

Requirements for Pilots Insurance

Pilots must meet the medical certificate requirements established by the Federal Aviation Administration in order to maintain their license. If they are unable to meet the minimum health requirements or have become disabled, their medical certificate may be suspended. During this suspension period, pilots are unable to work and may be left without a source of income. Loss of license insurance protects pilots in such situations by providing monthly benefit amounts so that the pilot can maintain his/her living conditions. 

Pilots disability insurance covers professional pilots including commercial, corporate, cargo, agricultural, and stunt pilots, among others. This insurance is available to both individuals and groups. It covers temporary and permanent loss of pilot licenses, providing monthly or lump sum benefits depending on the situation. 

Whether or not a pilot can continue working is up to their employers' licensing authority. A pilot may have his/her medical certificate suspended without much notice. This is why it's so important for pilots to have disability insurance.

The Benefits of Pilots Disability Insurance

  •  Income protection. As stated, a pilot's license may be revoked swiftly and without much notice. Unfortunately, rent, mortgage payments and childcare bills will keep on coming. Income protection allows the pilot to maintain a portion of his or her income.
  • Career-ending benefit. If the pilots disability prevents them from piloting permanently, loss of license insurance may offer a final benefit to compensate for the loss of future income.

To learn more about pilots disability insurance, check out our Pilots Disability Insurance FAQs or visit our extensive knowledge center. If you have questions, our Customer Success Team is happy to help.


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.