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Old 11-05-2019, 07:53 AM   #1  
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Default Harvey Watt

Hey all. That time of year again.Curious what most do in regards to company vs HW LTD and STD. I've flown with some guys who use company provided STD and HW LTD, and vice versa...

Jut wondering what experienced guys and gals in the industry have done or any tips? Anyone have any experience with either and wish they had done something different? Thanks!
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Old 11-05-2019, 04:34 PM   #2  
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I think it’s a no brainer to go with HW as it protects against loss of medical. You will be hard pressed to find another insurance that will cover you if you lose your medical. The HW short term is expensive, but I still think it’s worth it unless have enough money stashed away to self insure.
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Old 11-05-2019, 04:37 PM   #3  
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Originally Posted by glassnpowder98 View Post
I think it’s a no brainer to go with HW as it protects against loss of medical. You will be hard pressed to find another insurance that will cover you if you lose your medical.
ALPA offers LT and ST loss of license / medical and also options for lump sum and monthly payout.
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Old 11-05-2019, 04:41 PM   #4  
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ALPA offers LT and ST loss of license / medical and also options for lump sum and monthly payout.
Yes but, correct me if I’m wrong, being a Teamster I don’t have access to ALPA insurance. Talking to my financial advisor, she wasn’t able to find anything on the open market that would insure against loss of medical.
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Old 11-05-2019, 05:28 PM   #5  
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Originally Posted by amberdash View Post
Hey all. That time of year again.Curious what most do in regards to company vs HW LTD and STD. I've flown with some guys who use company provided STD and HW LTD, and vice versa...

Jut wondering what experienced guys and gals in the industry have done or any tips? Anyone have any experience with either and wish they had done something different? Thanks!
Does our insurance cover against “company provided STD’s”!?
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Old 11-06-2019, 06:30 AM   #6  
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Does our insurance cover against “company provided STD’s”!?
Your health insurance might be a better bet there, dude.
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Old 11-06-2019, 10:41 AM   #7  
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Does our insurance cover against “company provided STD’s”!?
Keeping your pen out of company ink will help you avoid that issue.
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Old 11-06-2019, 07:46 PM   #8  
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Does our insurance cover against “company provided STD’s”!?
Only above 18,000 feet.
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