Air Health Monthly Pay Disability Benefits

Underwritten by Great Southern Life Insurance Co. – Kansas City, MO. Policy Form #IMP-C

Cash flow is critical when you're unable to work for an extended period of time.
Air Health provides exceptional benefits at affordable rates.
Provides monthly payments to help keep your world intact until you get back on flight status.
If you are unable to fly as a result of an insured sickness or injury, our insurance pays you up to 48 monthly payments from $500 to $5,000 per month, after as little as 6 months of continuous disability, depending on the plan selected.
- 12 months wait & 48 month benefit*
- 12 months wait & 24 month benefit
- 6 months wait & 18 month benefit
Disability is the inability to perform the material duties of a commercial pilot due to sickness or accidental bodily injury.
This coverage is ideally suited to combine with Lump Sum and Long Term Disability coverage. Together, they provide blanket protection for short term and permanent disability.
You may receive up to two thirds of your lost monthly income in Air Health benefits and up to 100% from all sources. Benefits under the Air Health programs will be reduced so that total benefits from all sources do not exceed 100%.
Monthly benefits cease when the cumulative benefits reach the respective benefit termination period, you reach the limiting of the plan for which you are insured, you die (or disappear), you return to active flight status, or you meet FAA medical certification requirements, whichever comes first.
Benefits are TAX FREE¹ because you pay for them with after tax personal funds.

* The number of benefit months decrease under this plan after age 55. Review the Air Health-1 Premium Chart for complete details.

Harvey Watt & Co., The Aviation Health Association, Symetra Life Insurance, or Great Southern Life Insurance Co., do not give legal or tax advice. This is only our understanding of current tax laws. Since these laws are subject to interpretation and change, we recommend that you seek independent counsel regarding your tax situation.

View Air Health Charts

Learn about Lump Sum Disability and Extended Long-Term Disability

Coverage Exclusions

Complete exclusions are set forth in your policy, but are essentially those listed here. No benefit will be paid in the event of the following:

Disappearance of the Insured.
Death prior to the end of the disability waiting period.
(Unless covered by life endorsement)
War, directly or indirectly caused or contributed to by the Insured's participation in combat operations or in close support of combat operations during war, whether declared or undeclared.
Intentional self-injury.
Agricultural flying.
Alcoholism, psychiatric illness, drug addiction or medical conditions with no objective medical findings.
Misrepresentation in the application of any material information directly related to the cause of the disability.
Preexisting conditions, unless condition is disclosed in the application and accepted by the insurance company.
If any FAA medical certificate (before joining the plan) was obtained by misstatement or concealment.
Plan Termination

Coverage under all plans will terminate on the earliest of the following dates:

The end of the period for which premium has been paid if nonpayment of premium occurs.
The date the Insured ceases to be employed as a pilot by his employer, or takes a non-flying job.
The date the Insured's pilot certificate or flight status is suspended or revoked for nonmedical reasons.
The date the Insured begins a voluntary leave of absence in excess of 60 days.
The end of the calendar month immediately preceding the Insured's 65th birthday for Air Health-1, the Insured’s 60th birthday for all other plans.
The date the company completes payment of benefits under the policy.

Click here for complete details and to apply for this coverage

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