How many corporate pilots out there get disibility insurance through there employer? Or can anyone give me an idea of what the norm is for what a benefits package should look like? I fly for a one airplane company flying about 200 days a year in a LJ45. Any help would be appreciated.

 

There's not really going to be any "standard" benefits package...

At my part 91 job, I get medical/dental/vision (HMO or PPO, my choice), basic life insurance (equal to 1 year pay), accidental death and dismemberment insurance (equal to upto 1 year pay), and company paid long term disability (payouts through age 65, provided that you become disabled before age 60. Payout is equal to 60% of your monthly gross per month, up to a maximum of 20,833 per month. Must be disabled 180 days before payouts begin.)

The company also pays for short term disability insurance, however I don't know the specifics off the top of my head and can't find the benefits book for the coverage. I think there's a 2-4 week waiting period (you must burn off accrued sick/vacation time). After that waiting period, benefits run through 180 days when long term disability kicks in.

Coverage is through MetLife for both short and long term disability.

LEAR45,

When you get enough posts to be able to send/receive PM's send me a note. I'd be happy to share some more info on my overall benefits package, however I'd rather not post details on the general forums.

 

Speaking of corporate benefits. My FO and I were wandering about this the other day. What would happen if you are on an overnight, I do a lot of them on a 7-7 schedule and got hurt. Say you slipped on the ice on the way home from the bar? I say the company covers it because I am not at home and am on company time. What do you guys think?

 

Either way, it's going to be covered by insurance. The real question is which insurance- your company provided health insurance or your company provided workman's compensation.

Personally, I would choose the former if I had a choice. Workman's Comp can be a royal PITA.

 

We get the same as Josh, only short term is free and I pay extra for long term.

 

My employer provides a benefit credit above and beyond salary. Employees then choose from a list of options for medical, dental vision, etc... The amount is enough to cover med, dental, and vision with credit amount adjusted for married or single. Life insurance, disability and the like are additional charges which can be deducted from paycheck. Any unused credit is treated as regular pay and divided among regular paychecks.