Originally Posted by
BlueJetDork
During your career there is a very good chance you could medical out.
LTD?
Regionals - 2 years of LTD coverage.
Majors - to mandatory retirement age or longer!
Agreed. In my career, I had two times I was out on medical disability for a few weeks. I have know people who went out on LTD.
Needing disability insurance is a lot higher probability than needing life insurance. (If you consider life important to your family, you should definitely have disability, in all fields, not just pilots.)