"Ins risk?" wrote in
:


you'd
probably be less enthusiastic about buying one. For example, they
almost all have a significant exclusion period, eg 90 days,

I was aware of the 90days just to get on board. I also became aware
of waiting 2 years before relying on the "no
questions asked" wait time before pulling or even jusy claiming a
legit claim. and I am MOST aware that IF I were to announce that
I was possessed to by devil and had the urge to run to aircraft into
one another, how long do you THINK it would take for me to get the
boot and get my insurance payments? I doubt I was ever return to a
sector again, from that momnet on.



The rub comes in the insurers' interpretation of the word "disabled."
For example many, if not most, policies require that you be TOTALLY
disabled;

in the case of ATC the disabled could be alleged as all mentaL, and
in the case, my friend, that would be more than enough, right?

what say you, under those revelations? What would YOU decide if you
were on a decision board?





If you get a disability policy get pay extra and get one with an "own-
occ" definition of disability. That means if your unable to do your own
occupation, your disabled. Most policies now have a hybrid, with
something like an own-occ for 2-5 yrs, then any occ after that. BTW
most policies also have an income definition as well, so if your able to
flip hambergers, your still disabled since your unable to do an occ that
produces a certain percentage of what you were doing....
--
-- ET :-)

"A common mistake people make when trying to design something
completely foolproof is to underestimate the ingenuity of complete
fools."---- Douglas Adams