ALPA Disability Plans Open Enrollment—Now Boarding!

Pilots are more likely to suffer a loss of medical certification than death during their working years. That’s why ALPA offers voluntary, member-paid income replacement programs designed to provide income in the event that you are unable to work or exercise the privileges of your FAA medical certificate. We encourage all of our members to conduct a regular review of their income replacement needs, including a review of policy terms, conditions, exclusions, and limitations, and this open enrollment offers a great opportunity to review your plans and add coverage as necessary.

As part of the open enrollment, now through May 15, eligible members can enroll in a monthly loss of license plan (up to $1,200) and/or a short-term disability plan (50 percent of salary up to $1,000 per week) on a guarantee issue basis.

ALPA’s new short-term disability plan (as of Nov. 1, 2012) includes some enhancements. For example, there are no offsets for sick leave, vacation, salary continuation payments, other insurance, statutory disability benefits (in Calif., Hawaii, N.Y., N.J., P.R., and R.I.), or employer-provided benefits.

It is important to note that while ALPA’s Member Insurance plans have no offsets, some employer-provided plans and other group or individual programs may offset the amount of benefits that they pay by the amount of income or benefits you receive from other sources, including amounts you receive from ALPA’s disability plans. Therefore, we recommend that you carefully review the terms of your employer-provided and other disability benefit programs and insurance policies.

An enrollment package was mailed to all members earlier this month, and you can also find the application to increase or add coverage at Act fast as this open-enrollment opportunity ends on May 15, 2013.