Originally Posted by
Qotsaautopilot
This is incorrect and verified straight form the R&I committee.
If after two years you cannot be defined as disabled by the social security definition (not the definition of holding a first class FAA medical) you are done getting paid by our policy. It's a joke.
I needs to pay as long as you can't get a medical. And any money you make that doesn't use a medical should not count against your benefit payments.
I copied this from the policy dated 2007. I don't have the current one. Perhaps they removed the clause in Contract 2010.
Test of Disability
From the date that you first become disabled and until Monthly Benefits are payable for 24 months, you will be deemed to be
disabled on any day if:
•
you are not able to perform the material duties of your own occupation solely because of: disease or injury; and
•
your work earnings are 80% or less of your adjusted predisability earnings.
After the first 24 months that any Monthly Benefit is payable during a period of disability, you will be deemed to be disabled
on any day if you are not able to work at any
reasonable occupation solely because of:
•
disease; or
• injury.
Reasonable Occupation
This is any gainful activity for which you are; or may reasonably become; fitted by: education; training; or experience; and
which results in; or can be expected to result in; an income of more than 80% of your adjusted predisability earnings.
Im not defending our policy or suggesting it doesn't need improvement. Im just correcting the belief about the 2 year limitation.