Delta's Private Pilot Insurance: What You Need To Know

Delta Air Lines offers its pilots a comprehensive benefits package, including health, disability, and life insurance. The company is committed to protecting its pilots' financial health and safety, and this includes providing a range of insurance options. Delta's pilots are offered health insurance with a flexible spending account, and the option of three levels of high-deductible plans or a contractual option. Additionally, Delta pilots can access disability insurance, which covers the loss of a medical license, and life insurance with a value of up to $1.5 million.

Delta pilot insurance: health insurance options

Delta Air Lines offers its pilots comprehensive health insurance with flexible spending accounts, as well as disability and life insurance. The company is committed to protecting the financial health and safety of its pilots, and this is reflected in its industry-leading total compensation and benefits package.

Delta pilots have a range of health insurance options to choose from. There are three levels of high-deductible plans, which come with a health savings account (HSA), and one contractual option. The high-deductible plans have higher premiums but better coverage for power users. The contractual option does not come with an HSA and has lower premiums but higher out-of-pocket costs.

Delta also offers its pilots a range of other insurance options, including pilot disability insurance (loss of license), personal and family accident insurance (AD&D), and term life insurance.

In addition to health and insurance benefits, Delta provides its pilots with lifestyle flexibility, domicile locations across the US, high base pay rates, the industry's best profit-sharing program, and 401(k) contributions. The company also offers broad initiatives for pilot growth and development, as well as a Delta Wellbeing program that provides holistic resources to support health, financial resilience, and work-life balance.

Delta is committed to supporting its pilots throughout their careers and offers a range of resources and benefits to ensure their well-being and success.

Delta's pilot disability insurance

Delta Air Lines offers its pilots an industry-leading total compensation and benefits package, including high base pay rates and the industry's best profit-sharing program and 401(k) contributions.

Delta's Long-Term Disability (LTD) benefit is generally based on 50% of a pilot's earnings prior to the date of their disability. More specifically, the LTD benefit is calculated as 50% of the average of the highest 12 consecutive months of earnings out of the last 36 months of earnings. This means that if a pilot is earning $400,000, their LTD benefit would be $200,000 per year until the FAA retirement age. Additionally, Delta pays 32% of that disability benefit into the pilot's B plan for retirement.

Delta also offers Loss of License Insurance, which is a type of disability insurance that covers more than traditional disability insurance. It takes into account the pilot's ability to hold an FAA Medical Certificate, meaning that even a small medical issue can keep the pilot out of the cockpit. This insurance can be purchased separately and kicks in one year after the pilot goes on Delta disability.

Delta is committed to protecting its pilots' wellbeing, financial health, safety, and jobs. The company provides broad initiatives for pilots' growth and encourages them to put their health and well-being first. Delta's Delta Wellbeing program offers holistic resources to support pilots' health, financial resilience, and work/life balance.

Additionally, Delta offers pilots lifestyle flexibility with domicile locations across the U.S. and a transparent leadership style, providing frequent and candid updates on the state of the business.

Overall, Delta's disability insurance and benefits package for pilots is comprehensive and competitive, ensuring that pilots are well taken care of in the event of a disability.

Personal and family accident insurance

Accident insurance also covers minor injuries, such as fractures and dislocations, and may include benefits like coverage for ambulance costs, hospital expenses, and even a child's education costs. Additionally, it can provide a daily cash allowance during the recovery period. Accident insurance is distinct from health insurance as it specifically focuses on financial burdens related to accidents, while health insurance covers a broader range of medical conditions and preventive care.

One of the key advantages of personal and family accident insurance is the immediate cash payout, which can help relieve financial strain after an accident. There is typically no waiting period for these payouts, providing much-needed financial support right away. Accident insurance is suitable for everyone, regardless of age, occupation, or health conditions, and can be particularly crucial for the sole breadwinners of a family and those engaged in high-risk occupations or activities.

When considering personal and family accident insurance, it is essential to assess your specific needs, including your hobbies and activities, budget, and the coverage required for yourself and your family. It is also important to carefully review the inclusions, exclusions, and limitations of different policies to ensure they align with your requirements.

Delta's dental insurance

Delta Dental is the nation's leading provider of dental insurance, with 31 million members and 152,000 dentists in their combined networks. They offer a range of individual and family dental plans to fit your needs and budget, including:

Delta Dental PPO™ Individual Insurance Plans

• Visit any licensed dentist
• Save the most when you visit a Delta Dental PPO dentist
• 100% coverage for preventive services
• Pay only a percentage of the dentist’s fee for covered services
• Available in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC

DeltaCare® USA DHMO-Type Dental Plan

• Must select a DeltaCare USA network general dentist
• Lower costs and no deductibles or annual maximums
• Immediate coverage for major services
• Know in advance how much you’ll pay for a procedure
• Available in CA, FL, MD, NV, NY, PA, TX, UT and DC

Delta Dental's plans prioritize preventive care and dentist access, which helps keep health care costs low. They also offer virtual dentistry services, where you can get expert advice, virtual appointments and more through your smartphone or computer.

Delta Dental also provides dental insurance for federal employees, annuitants, veterans, and military retirees and their families. Their website has a "Find a dentist" feature that allows you to search for in-network dentists in your area.

Delta's vision insurance

Delta offers vision insurance to employers who want to provide their employees with access to quality eye care. DeltaVision plans are administered by EyeMed, the largest vision network in America.

DeltaVision plans are easy and offer real value to employees and businesses. Comprehensive eye exams can catch signs of serious health problems, including diabetes, high cholesterol, hypertension, cancer, and more. Early diagnosis of these conditions can reduce long-term medical costs for both employers and employees.

With DeltaVision, employees can save on eyewear, contacts, exams, and even laser vision correction. The One & Sun add-on feature encourages annual eye exams by rewarding qualifying members with a pair of non-prescription Ray-Ban, Oakley, or other brand-name sunglasses.

DeltaVision plans are a great way to build a competitive benefits package that attracts and retains talent. Employers can enjoy increased savings by offering a DeltaVision plan alongside Delta's dental plans.

Frequently asked questions