I'm shopping around for loss of license insurance and a UPS friend recommend I check out this company in Louisville KY...lots of UPS and SWA guys use them. I reached out and here is the comparison graphic they sent me. If anyone has questions or wants more info let me know and I'll reach out to the POC.

Just FYI Lloyds of London is based in London. It’s not really a company in the usual sense. It’s where people go to ensure weird things like soccer players feet.

Lloyds once wrote a policy for a business offering an award for whoever caught the Loch Ness Monster. Said company was afraid it might actually exist and wanted to be covered just in case, so they went to Lloyds.

You can really insure anything!

Take a good look at what is already provided in the contract. You may find that you don’t need additional insurance. The provision to continue paying the full DC amount to age 65 made it a easy choice for me.

https://www.businessinsider.com/10-o...olicies-2010-3

Or insuring J Lo's butt

In the case of being out on disability, Is your plan to not touch the DC money until after 65?

I’m aware the company still contributes but I see the LOL insurance as way to maintain the current lifestyle now...young kids have lots of dance / karate / soccer, lacrosse, etc and I want to minimize the thrash to their life in the event I'm out on disability where the 50% LTD pay is basically paying mortgage, utilities, food, gas, etc.

Do you know the company 401 money goes from 16% to 32% once on ltd?

Does it?

I read PWA 26.C.3.a as they take your disability amount, double it in order to approximate what a regular pilot on a active payroll status would have made, and then the company contributes the 16% as normal.

It mentions “...less income from employment that exceeds the calculated disability amount...”

Does that include military pension?

I wouldn’t think it would but wondering if anyone knows for sure.

Ok...so they double the ltd basis and pay 16%.

Tohmato-tahmato.

Mil pension dznt offset. Pbgc dz. W2 income not exceeding ltd dznt

I think ssi may