Pilots are far more likely to lose their medical certificate during their working years than they are to die. However, even if the organization has group disability coverage, the problem isn't solved because group policies often aren't occupation specific in their definition of disability - especially as it relates to pilots. We can't make this problem go away, but we can make it easier - financially.

So why is this an organization problem?
From our more than 50 years of experience, we know that nearly all pilot disabilities lasting for over 24 months become permanent for purposes of flying. One must remember that the vast majority of disabled pilots could go to work in another job or industry. They just can't fly. As a result, the organization can easily have an employee who can't do the job they were hired for - but doesn't qualify for disability benefits from social security or the group LTD plan.

So why is this your problem? Because if this happens, the organization now has to:

• employ pilots in another capacity at their flying income - a bad position for the organization
• employ them at a lower income - a bad position for the former pilot (in either case, you've got employees doing a job they really don't want to do)
• terminate the former pilot

Additionally there are significant increases in operations costs to the organization when pilots are disabled. Training cost, reserved time, management and systems costs all go up. So it's in everyone's best interest to keep pilots in the cockpit or minimize their downtime whenever possible. Improved productivity helps everyone's bottom line.

We Understand
We understand the pilot's problem and the organization's problem. Further, we offer some truly unique solutions.
 

We are as well known for helping pilots return to flying as we are for payment of claims. We have over fifty years of experience working exclusively in your marketplace. In addition to insured plans, we offer experienced marketing, underwriting, claims, administrative and medical support systems. We can provide turnkey services or individual service elements as your needs dictate. In any event, our objective is to add value to your plan and help assure its success through enhanced pilot acceptance and lower claims costs.
 

Monthly Benefits - Our monthly pay policies provide monthly benefits for temporary disabilities. The intent is to replace or supplement income until a pilot gets back on flying status, or begins receiving Long Term Disability benefits.

Lump Sum Benefits - This unique benefit is not available from any other source. It is a permanent disability benefit, providing up to $250,000 in one tax-free installment. It is designed to help pay off debt and/or finance re-education into a non flying career

Experience -The position of leadership in the pilot disability business, the medical expertise available to pilots, and the peripheral benefits that Harvey Watt & Co. brings to the relationship create peace of mind unavailable elsewhere.