regionals that offer loss of flight medical
 

Looking to move onto my first airline job, but I'm hitting my 40s and I've known a few people to lose their flight medicals. Which regionals offer this kind of insurance and what are the terms, payouts and gotchas?

SkyWest offers through H&W but you have to pay for it.

Is that the only one? I know I can get H&W through aopa, but I was hoping it would be available as part of the benefits package. I figured that some pilots have spent decades at a regional would at least push for loss of medical insurance.

ALPA offers coverage for purchase that is fairly inexpensive and has good coverage.

I think it would be available at any ALPA carrier.

The Union at NetJets offers a plan administered by HW. I'm on it now, it saved me from having to be the greeter at Walmart. My premiums were just over $300/month.

IMO it's actually better if you pay for it yourself...

If the company provides it, the benefit is taxable.

If you pay the premium, the benefit is not taxable.

Ours is imputed income. Best of both worlds.

As in you pay taxes on the premium so that the benies (if needed) are tax free? Yes, that would be good.

Exactly.

(before someone comments, I should say ours will be, it should be implemented in a month or so).

My LOM plan was administered by HW, but once I transitioned from paid Company provided Med LOA I only dealt with the Underwriter which is Symetra Life Ins. 2021 was the 1st full year I was on the Symetra plan and my monthly benefit has zero deductions. I was careful to not deduct my premiums from my taxes because then my benefit would be taxable. Symetra does send me a tax form showing 2% of my benefit as taxable, I assume that's some kind of imputed income.