Some folks carry a Loss of License (which is basically loss of medical) policy as a bridge for insufficient STD or LTD. I wondered if the changes that had occurred in the last few years made such coverage a necessity.
I recommend having loss of license insurance. I lost my medical and it essentially paid my mortgage for 4 years. I only had the lowest coverage amount but it was well worth it. I believe it only covers 4 years unless the policies have changed.
Picture yourself at the ME's office and walking out without that "little piece of paper". What are you going to financially meet your needs?
I was not with AA but with another ALPA represented carrier.
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