prescription drugs allowed for pilot certification

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Pilot's Disability Insurance

 

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"Temporary Loss of License"

Disability Insurance for People Who Fly For a Living
Commercial Pilots
Corporate Pilots
Cargo Pilots
Aerial Applicators
Agricultural Pilots
Firefighter Pilots
Air Show Pilots
Test Pilots
Air Ambulance Pilot
Monthly Benefits are payable while Totally Disabled beginning the
first day following the Elimination Period and for as long as the
Benefit Period for each disability.
Options Residual Disability Rider Benefits are payable when you are
engaged in your regular occupation, or another occupation, and you
experience reduced income of 20% or more, due to a disability. The
benefit amounts will be calculated by multiplying the monthly benefit
amount by the percentage of reduced income compared to the average
monthly earned income received during the twelve-month period
preceding the onset date of the disability.

Optional Cost of Living Adjustment (COLA) will automatically increase
the monthly benefit each year based upon the Consumer Price Index
(CPI), but not to exceed 10% per year.
Air Travel This policy, subject otherwise to its terms, limitations
and conditions covers claims arising out of bodily injury sustained by
the insured person while flying as a pilot or crew member, in any
aircraft for which the insured person holds a current valid license or
as a passenger in any aircraft including boarding and alighting.
Definitions Total Disability Monthly Benefits are payable when, due to
sickness or injury, you cannot perform the substantial and material
duties of your regular occupation and you are under the regular care
of a legally qualified physician.

Sickness, illness means a Sickness or disease which You are first
diagnosed by a Physician while this certificate is in force causes You
to be disabled that begins within 365 days from the date such Sickness
or disease was first diagnosed.

Accident, Injury means accidental bodily Injury sustained by the
insured person, which are the direct cause of loss, independent of
disease or bodily infirmity.

Elimination Period means the number of consecutive days You are
Totally Disabled or Residually Disabled if the Residual Rider was
purchased, before a benefit is payable. The Elimination Period begins
on the first day You are attended by a Physician who determines You to
be Totally Disabled and/or Residually Disabled.

Maximum Benefit Period means the overall maximum number of months that
benefits will be paid during any one period of Total Disability.
Term of Insurance The Certificate of Insurance is issued for a period
of 1 to 3 years. It is contemplated that the plan will be renewed,
however, the underwriters reserve the right to refuse to renew the
Certificate or to change the terms and/or the premium rates on renewal
of the Certificate. A statement of good health or new application may
be required by the underwriters for consideration of renewal.
Non-renewal by the Insurer will be without prejudice to any claim in
connection with a loss commencing while this plan is in force.
Special Features Recurrent Disabilities:
If after a period of Total Disability You resume occupation and You
work at that occupation on a full time basis for a continuous period
of at least 6 months, any Total Disability that begins after that time
will be considered a new disability, even if it is a recurrence of the
same condition that previously disabled You. If You do not work at
least 6 consecutive months any later Total Disability will be
considered as the same prior disability. If a new disability results
from a cause entirely different and unrelated to the prior disability,
such disability is subject to a new Elimination Period and Maximum
Benefit Period.

Presumptive Disability:
You will be presumed to be Totally Disabled, if due to an Accident or
Sickness You have totally lost: the use of both hands, or both feet,
or one hand and one foot, or the sight of both eyes, or hearing of
both ears, or the ability to speak. The Elimination Period will be
waived. Regular Care is not required. The covered Monthly Benefits
will be paid as long as the loss exists, up to the Maximum Benefit
Period.

Transplant Benefits:
If this certificate has been in force for at least 6 consecutive
months and You donate an organ from Your body to another person, the
Total Disability which results from such surgery will be considered a
Sickness. Benefits will be payable in the same manner as those for any
other Sickness.
Specified Occupation This is a Specified Occupation Plan. It will
terminate automatically if you change from the occupation in which you
where engaged at the time the plan was issued, unless an agreement has
been obtained in writing from the underwriters and any additional
premium required by the underwriters has been paid. The sole liability
of the underwriters in the event of an occupation change shall be
returned on a pro-rata basis any unearned premiums paid for the
balance of the plan term.
Exclusions No benefits will be paid due to Sickness or Injury caused
by, contributed to by or related to the following and / or their
treatments and / or complications thereof:

1. Suicide or intentional self-inflicted injury or poisoning;
2. War, declared or undeclared (Please note that Terrorism or Acts of
Terrorism is defined differently than war and is covered under this
certificate);
3. An act of Terrorism involving the use or release of any nuclear
weapon or device or chemical or biological agent, regardless of any
contributory cause(s);
4. While committing or attempting to commit a crime;
5. Taking of illegal drugs, or addiction or misuse of prescription or
non-prescription drugs;
6. Alcohol abuse or addiction, or being under the influence or
alcohol, as defined by the vehicle code of the state or province in
which the Accident has occurred;
7. Mental or Nervous disorders;
8. Pre-Existing Conditions;
9. Subjective Pain or other symptoms unless supported by objective
medical findings;
10. Pregnancy and pregnancy-related conditions including but not
limited to fertility, pre-natal care, childbirth, miscarriage,
abortion or postpartum conditions.
Privacy Policy Statement Petersen International Underwriters Petersen
International Underwriters want you to understand how they protect the
confidentiality of non-public personal information they collected
about you.
Information PIU Collects PIU collects non-public information about you
from numerous sources including, but not limited to:

a. Information PIU receives from you on applications and other
  forms;

b. Information about your transactions with the affiliates, others
  or PIU;

c. Information PIU receives from consumer-reporting agencies; and

d. Financial and medical sources.

Information PIU Discloses PIU does not disclose any non-public
information about you to anyone except as is necessary in order to
provide the products or services to you or otherwise as required or
permitted by law (e.g. subpoena, fraud investigation, regulatory
reporting, etc.).
Confidentiality and Security PIU restricts access to non-public
personal information about you to PIU's employees, PIU's affiliates'
employees or others who need to know that information to service your
account. PIU maintains physical, electronic and procedural safeguards
to protect your non-public personal information.
Contacting PIU If you have any further questions about this privacy
statement or would like to learn more about how PIU protects your
privacy, please contact us.
ADMINISTRATOR & UNDERWRITER This plan is administered by

Petersen International Underwriters
23929 Valencia Boulevard, Suite 215
Valencia, CA 91355-2186

It is underwritten by Certain Underwriters at Lloyd's that is rated A
"Excellent" by A.M. Best.

This is a brief description of the insurance provided by this plan.
The Certificate of Insurance is the complete description of coverage.
10/15/2008

 

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