Disability Insurance Plans from ALPA

ALPA’s Member Insurance disability programs are voluntary, member-paid programs designed to supplement your income in the event you become disabled. As part of your needs analysis, it is important that you review your employer-provided disability programs. While ALPA’s disability programs have no offsets, some employer-provided disability programs may reduce their benefits payout by offsetting benefits paid to you under other disability programs, such as ALPA’s disability programs. Therefore, when considering ALPA’s disability programs, we recommend that you review in detail your employer-provided short- and long-term disability programs for any offsets, exclusions, and other limitations. Compare your employer-sponsored disability plan(s) with ALPA’s disability programs.

Loss of License

  • You may now step up one level without medical underwriting any time throughout the year as long as you have maintained your current benefit level for at least 12 months and can answer one Conditional Issue question. Click here for more information.

Loss of License Plus

  • Cost of living feature to the extended benefits.
  • Extended benefit will be paid until the member reaches age 65.
  • You may now step up one level without medical underwriting any time throughout the year as long as you have maintained your current benefit level for at least 12 months and can answer one Conditional Issue question. Click here for more information.

Lump Sum Loss of License

  • Elimination of the five-year banding; your rates will be based on your age on November 1.