AOPA Loss of Medical Certificate InsuranceLoss of Medical

Underwritten by Americo Financial Life and Annuity Insurance Company

Loss of Medical InsuranceIf you get grounded, money stops….bills don’t.

In the U.S., nearly one in five people will become disabled for more than a year before reaching age 65.1

Pilot friendly policy features:

  • Replace income if you can no longer fly due to your health.
  • Portability: coverage and rates will not change if who you fly for, where you fly, or your union changes.
  • If you can’t fly for a living due to your health, you can still work another job and receive benefits.
  • Ability to Fly Test: definition of disability pertains to your health and your ability to fly as a career.
  • No Future Health Questions: once enrolled if your policy has not terminated, you keep your coverage with no future health questions.

Types of coverage2

  • AOPA Monthly Pay Disability Benefit
    • AOPA Monthly Pay Disability Benefits are issued through age 58 with benefits available from $500 to $6,000 per month for continued disability. Disability is defined as the inability to perform the substantial and material duties of a commercial pilot as a result of injury or sickness.
  • AOPA Lump Sum Catastropic Benefit
    • This benefit provides a lump sum in the event you suffer a permanent medical disability allowing you to adjust to the reduction of monthly income that inevitably follows permanent disability and loss of your FAA Medical Certification. Permanent disability is defined as a disability from which you are not reasonably expected to recover.

AOPA Loss of Medical Certificate Disability Insurance is provided exclusively through Harvey W. Watt & Company

Captain Harvey W. Watt pioneered the development of Pilot Loss of Medical Certificate Disability Insurance in 1951.  Today, Harvey W. Watt & Company (Harvey Watt & Co.) - a trusted company is the leading manager of professional pilot insurance, administering insurance policies for over 50,000 professional pilots.

Harvey W. Watt & Co. is committed to providing pilots and their families with the most competitive insurance options that can help supplement coverage that you may already have.  Their agents are paid a salary and not commission - they work for YOU.  These are portable policies that travel with you to different unions or employers.  In case of a claim, a full staff of doctors, flight surgeon nurses and AME trained medical consultants are here to help get you back in the air.

Revenue from AOPA Products & Services goes right back to supporting, growing and protecting general aviation.

This is a paid endorsement.  AOPA receives a fee from the insurance broker/insurer for the endorsement of the AOPA Loss of Medical Certificate Disability Insurance.


1 Commissioner's Disability Insurance Tables A and C, assuming equal weights by gender and occupation class.

2 Monthly Pay Disability Benefit and Lump Sum Catastrophic Benefit are provided under the Pilot Occupational Disability Income Insurance Policy (Policy Series 425) underwritten by Americo Financial Life and Annuity Insurance Company, Dallas, TX.  Administrative Offices:  Kansas City, MO.  Products may not be available in all states.

*Mention AOPA when calling Harvey Watt

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