When you’re in your 20s and 30s, it’s hard to imagine that your health will ever be seriously affected by anything. It’s bad enough to imagine getting cancer or a sleep disorder, but what about something less serious, such as a broken bone (or two or three)?
Pilots are unique in that our health affects both our direct and our legal ability to report for work. Something as simple as back pain can keep us at home. We are bound by the terms of our medical certificate to be of sound mind and body. If you work in an office and break your leg or your arm, you can still come to work. You may even be just as productive and as efficient with the injury as you are without it.
Not so with flying. If you break a leg skiing or an arm playing softball, you’re grounded until it heals. Further, if your medical expires during your injury, you will likely need a flight physical to return to work. If you don’t have sufficient sick time in your leave bank, you could face a financial strain. Most airlines only allow a sick time accrual rate of a few hours a month.
I don’t want to sound like a salesman, but I’ll take the risk. If you get hired by an airline, opt into whatever short- and long-term disability insurance the company and/or the union offers. Rates are based on age, so it’s cheaper when you’re younger, which is also when you’re not so well paid. It’s an investment that is worth making in yourself.
Over my career I’ve seen young and old pilots be out of work for extended periods of time through no fault of their own. One, in his late 20s, was out over a year because of a severe automobile accident. One was out for two months with a broken leg that was slow to heal. Another was out for nearly two years with a form of liver cancer. A number have been incapacitated by mental health issues and/or alcoholism. In the last couple of years, the FAA has attempted to crack down on overweight pilots. If they ever succeed in doing this, a large percentage of us will be looking at long periods of time off while we try to shed the extra weight.
As a professional pilot, take nothing for granted—especially your health. Get the STD/LTD coverage early, and keep it. With any luck, you’ll never need to thank me for it. But if you do, at least you won’t have to worry about coming up with the money for a stamp.–Chip Wright