How hard is it to get disablity insurance???!!!

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?