Making a claim

Submitting a disability report will not jeopardise renewal of your policy, nor will it prejudice your flying career. It does not necessarily mean you think you will make a claim, but it will help protect your interests if your sickness lasts longer than expected, and qualifies as a claim. The following information is to assist you in understanding what we require of you, what you need to do and when you need to do it.

We provide Loss of Licence policies with different benefit structures. For payment of a lump sum benefit, we must be satisfied that there is no reasonable prospect that you will return to flying duties for at least 5 years. For payment of a monthly benefit, we must be satisfied that you do not meet the minimum health standards required for your licence.

Suspension of your medical

You need to tell us if your medical certificate has been suspended or you have been off sick for more than 30 consecutive days, and must do so within 60 days of the start of your sick period. That said, if you have a short deferment period, please notify us as soon as possible. If information is not provided in a prompt and efficient manner, it will slow down our ability to reach a decision on your claim or in extreme cases may invalidate it.

 

Your responsibilities during a period of disability

You and your attending physicians will need to demonstrate to us that:

  • You are under the care of appropriately qualified medical professionals who are treating your health problems in a diligent and timely manner.
  • You are following a course of treatment that will, if at all possible, regain your medical certificate and enable you to return to flying duties with your employer.
  • You are attending for treatment in a timely manner as and when required by your doctors unless you have a reasonable excuse.
  • You are complying with your employer’s sickness reporting procedure.

We may require detailed medical reports from your attending physicians and may require you to attend an independent medical assessment. In most cases, provided that you are in regular contact with your employer and your attending physicians you will not need to take any further action. It is therefore in your interests to ensure that you do this. If your physicians feel that there is a course of treatment available which could assist in restoring your medical certificate(s) but that the treatment is not appropriate in your case, it is very important that this is explained to us with full reasons at the earliest possible opportunity.

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