Why Helicopter Pilot Disability Insurance?
As a helicopter pilot, you have an incredibly wide range of career options. You can work for news and traffic stations. You can operate charter flights. You can work with tour companies, or with the National Parks Service. Those are just a few potential career paths. Depending on the one you choose, you can earn between $22,000 and $68,000 per year.
You’ll use that money to pay for things like renewing your pilot’s license, paying your mortgage, paying your car payment, and the like. You may also need a portion of it for business-related expenses. Whatever the case, being unable to work due to an injury or illness could mean serious trouble. Comparing helicopter pilot disability insurance quotes today ensures that you have protection when you need it.
Why Do You Need Protection?
Why do you need the protection offered by disability insurance policies? Put simply, you are constantly at risk for an injury or an illness. You could be injured while walking down the street or up the stairs in your home. You could also find that you have a medical condition – heart disease, diabetes, and cancer are actually leading causes of disability in the US.
A worker’s compensation will protect you only if you’re injured on the job, but not outside of it. You may think that your health insurance or auto insurance will protect you, but they will only provide limited coverage for medical costs, not for your loss of income. By comparing helicopter pilot disability insurance quotes, you can buy the policy that fits your needs best and ensure that your income is protected should worse come to worst.
What Disability Insurance Does
With disability insurance, you receive a stream of income based on your average annual salary when you become disabled. That money can be spent to cover your mortgage payment, your car payment, and more. The trouble is that not all policies are the same. Some insurers have very different disability definitions, while others have drastically different rates.
How Helicopter Pilot Disability Insurance Works
To start receiving benefits through your insurance policy, you’ll first need to purchase a disability insurance policy from an insurer and develop a qualifying disability (a condition that meets your insurer’s definition of “disability”) that forces you out of work for a preset period of time. Once that happens, your insurer will start paying you based on your average monthly income.
With that in mind, you need to make sure you’ve chosen the right helicopter pilot disability insurance policy. That requires an in-depth comparison that most people find difficult to make.
We can help. We allow you to compare disability insurance quotes from leading US insurers, as well as insurance rates, coverage areas, and more.
How Premiums Are Calculated
One in three Americans will become disabled before they can retire. The chance of you experiencing disability is what forms the cost of your disability insurance policy – the premium. Every insurance company ranks the risk factors to determine the cost of a policy – age, gender, income, the health of the individual, location, and specialty. Each factor has specific criteria and formulas that determine the overall cost of occupational disability insurance.
Before you settle for a certain insurance policy, check with all providers to make sure you chose the right one.
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 helicopter pilot disability insurance.
Moving Forward – Why Choose Us?
You need to make sure you’ve chosen the right helicopter pilot disability insurance policy and that you’re working with the right insurer. That requires an in-depth comparison of disability insurance providers, something that most people find difficult to do.
When you turn to us for help with your helicopter pilot disability insurance, we go to work on your behalf immediately. We have years of experience in this area and skilled professionals working tirelessly, so we can quickly help you find the coverage you need to ensure your financial stability. With us, you can:
- Be able to review rates from some of the leading providers of helicopter pilot disability insurance.
- Get quotes from all major insurers in the US that currently offer disability insurance products in your specific geographic area.
- Learn more about your options when it comes to helicopter pilot disability insurance and how it can benefit you in the event that you’re injured and unable to work.
Own Occupation and Any Occupations
Remember how many years you’ve spent to become a helicopter and how much you’ve worked to get your pilot’s license? Imagine after all those years of honing your skills you get injured and unable to perform your work tasks. The loss of income can prove to be devastating for your finances, but you can prevent this from happening by purchasing own occupation insurance policy. It will provide you with monthly benefits in case your disability prevents you from doing tasks only in your work field.
On the other hand, any occupation insurance policies will pay out benefits in case you are unable to perform any job, not only your own.
Disability Insurance Considerations
If you have disability insurance and experience a qualifying condition, then you’ll be financially supported by your insurer. The insurer will pay you based on your average annual income, and you can use that money for anything you need.
Of course, not all insurers and not all insurance policies are the same. We work with professionals just like you to find the right mixture of affordability and coverage to meet your needs and budget.
Call us today to get started – 1-877-221-6198. You can also get a free, no-obligation quote by completing the form on this page.
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