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Short Term Dis vs. Loss of Medical

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No Delay

Well-known member
Joined
May 26, 2004
Posts
484
I currently carry LOM. Company just started offering Short Term Disability.

What's the difference? Does one replace the other? Do you need both?

Any thoughts appreciated.
 
i will be on short term disablilty when my sick time runs out at the end of the month. different than loss of medical since i will be back on the line once i get clearence from the surgeon not my ame. still have my first class med, i am just self-grounded. it would be different if i had a disqualifying condition that required resubmission of the medical or a special issuance. then you need all the help you can get. our short term disability pay is 66% of 80hrs a month. supplied by a little bit taken out of every pilots' paycheck. i believe loss of medical insurance would pay for you to be retrained in some other trade.
 
Last edited:
Most of the LOM policies don't give you anything until something like a year after you lose the medical. You pretty much need short term to get you to long term to get you to LOM. I guess if you get hurt on the job you would get workers comp until the LOM kicked in, but any which way you are screwed since none of them give you what you were making before you got hurt/ lost your medical.
 
I currently carry LOM. Company just started offering Short Term Disability.

What's the difference? Does one replace the other? Do you need both?

Any thoughts appreciated.

If you're at ASA, how much time do you have in your sick bank?
 

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