COOPERVANE
Member since 1967
- Joined
- Mar 2, 2002
- Posts
- 2,167
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So your LTD only pays if you are unable to work at ANY OCCUPATION as opposed to unable to work as a pilot (own occupation)?Agreed. I checked into it and couldn't afford it. I took my own airline's long-term disability insurance, but if I simply lose my medical I'm SOL.
Almost EVERY LTD plan requires you to be disabled to the point where you can't hold ANY job. It's designed to be a stop-gap measure so that if you're DISABLED, you and your family don't lose your house, etc.
Read the fine print on those things; that's why most financial professionals will tell you that it's a sucker bet, wasting money you could otherwise be investing.
Almost EVERY LTD plan requires you to be disabled to the point where you can't hold ANY job. It's designed to be a stop-gap measure so that if you're DISABLED, you and your family don't lose your house, etc.
Read the fine print on those things; that's why most financial professionals will tell you that it's a sucker bet, wasting money you could otherwise be investing.