Your Income Matters
Air traffic controllers are absolutely crucial to the operation of airports throughout the nation. They work in major national and international airports, within regional airports, in private airstrips, and within government facilities alike.
As an air traffic controller, you’ll earn between $27,000 and $138,000 per year for your efforts. Out of that salary, you’ll pay for everything you need. That includes your home’s mortgage payment or your rent, your car loan payment, your health insurance, and more. You probably also have other family expenses, including your children’s tuition.
The issue here is this – how will you make those payments if you find yourself disabled and out of work?
Why Air Traffic Controller Disability Insurance?
If you find yourself unable to keep going to work, whether due to an injury or illness, who will take over the financing stern during these times? Will your savings be enough to satisfy your and your family’s needs for several months? Will you be able to keep paying the rent, mortgage, or car loan? If the answer to these questions is no, then you’re under risk of default, and you surely don’t want that to happen.
The best way to prevent it from happening is by purchasing air traffic controller disability insurance. By doing this, you will create a financial safety net for you and your family.
How Does This Type of Insurance Work?
Air traffic controller disability insurance works quite simply. If you are injured or become ill and experience a qualifying disability, your insurer begins to pay you. You’ll receive payments based on your average annual salary, and you can use that money for whatever you need, whether it’s paying your mortgage payment or ensuring that your child’s college education is covered.
It’s tempting to think that you’ll be protected in the case of a disability. After all, you already pay for health insurance, plus a number of other types of insurance. Sadly, disability coverage is usually not included in these, and you likely don’t have it through the workplace, either. That leaves you completely unprotected if the worst should happen.
However, air traffic controller disability insurance ensures that should you be disabled and out of work for a period of time, you have a stream of income to meet your financial obligations. It’s generally a percentage of your monthly income and can provide not just peace of mind, but financial security in a trying time.
You will need a policy that will not only replace your income but will also protect your working specialty. You’ve invested a lot of years into studying and becoming an air traffic controller, so being unable to work your specialty can be detrimental.
At a minimum, you need an “own occupation” disability insurance policy that will pay benefits if you’re unable to perform any duties of your occupation.
Why Choose Us
Of course, you need to work with the right insurer and we can help you make an informed choice about which insurance company can give you the proper conditions fit for your needs. With our help, you can:
- Review rates from the leading providers of air traffic controller disability insurance to make an informed comparison and a sound decision.
- Compare quotes from different insurance providers to ensure that you’re getting the best possible coverage, at a rate that’s right for you.
- We’ll help you learn more about the insurance options available to protect your income to ensure that you get the peace of mind and financial stability that you deserve.
Will You Become Disabled?
While there is no way to say for certain whether you’ll be disabled at some point, the odds are definitely not in your favor. One in three Americans will suffer a disability before they reach retirement age. You even have a 21% chance of experiencing a three-week disability before you turn 65 just by being close to the age of 40 right now. Those aren’t good odds. Compare air traffic controller disability insurance quotes now, so you have protection in place before it’s too late.
How much coverage do you need?
The first step to finding out how much coverage you will need is to determine the minimum amount necessary for your living expenses monthly and your monthly income. The coverage of your disability insurance policy should be close to the difference between the monthly expenses and expected income. It’s the amount that should be replaced by the monthly benefit from your disability insurance.
Look for Unisex Rates
In general, women pay higher disability insurance rates than men as women are more likely to develop a disability. Rheumatism and arthritis are the most common disabilities women encounter, followed by cancer, heart disease, mental health, and diabetes.
This only highlights the importance of having disability insurance, but it’s also important to find an insurer that will offer unisex rates and not discriminate against you. That’s what we’re here to do.
Buy a Disability Insurance Policy While You’re Young
The price of your disability insurance policy depends on the risk of you filing an insurance claim and one of the primary factors that contributes to being graded as a higher risk person is your age. Statistics show that the older you are the more likely you are to become disabled, and because of this, the premiums you will pay get higher as time goes on.
You can buy disability insurance today and save money in the long-term. Each year you age is more money you’ll be paying out in premiums
We Are Here to Help
It’s important to compare disability insurance quotes to determine not just your out of pocket costs, but the coverage offered by each insurer, the actual disabilities they recognize, and more.
We can help simplify and streamline the process. We work with leading US insurers and give you the ability to compare your options to make an informed, accurate decision.
If you’re ready to find your air traffic controller disability insurance, call us today at 1-877-221-6198 to get started or use the form on the right side of this page.
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