Long Term Disability / Loss of License — Pilots

JetBlue offers Full-Time Pilots a combined Long Term Disability (LTD) and Loss of License (LOL) benefit at no cost. You also have the option to purchase Voluntary LTD/LOL coverage.

The details.

Benefits are paid to Pilots who experience a qualifying event* that results in the inability to perform the essential duties of their position, or that could potentially affect the status of their FAA medical certification. JetBlue automatically enrolls Full-Time Pilots in Loss of License Insurance (also called Pilot Occupational Disability Insurance). This coverage allows for a source of income in the event that they do not qualify for LTD benefits, but are still unable to fly due to FAA regulations.

* A qualifying event is your continuous inability to perform the material and substantial duties of your regular occupation due to your sickness or injury, or you are deemed by the FAA to be mentally or physically unfit to fly as a commercial pilot.

Long Term Disability (LTD)/
Loss of License (LOL)
  • Full-Time Pilots only
  • Company paid
  • Benefit equals 55% of gross compensation*, includes average gross pay
  • $13,500 monthly maximum benefit (tax-free)
  • Benefits begin after a 180-day** waiting period
  • Benefits paid up to mandatory retirement age
Voluntary Long Term Disability/
Loss of License (VLTD/LOL)
  • Full-Time Pilots only
  • You pay with after-tax dollars
  • Benefit equals 5% (added to your basic LTD/LOL), up to a $15,000 monthly maximum benefit
  • 5% portion you purchase is also tax-free if you received LTD/LOL benefits
  • Proof of good health maybe required by MetLife if you don’t enroll when first eligible

* Includes your average gross pay over the prior 12 months, or up to 18 months if you had months of $0 earnings in the prior 12 months.
** You may use any available PTO during the waiting period and/or apply for Short Term Disability where available. (NOTE: The LTD/LOL benefit will be reduced by the gross monthly benefit you receive from Social Security, Workers’ Compensation and other earned income.) The LTD/LOL plan does not cover a disability from a pre-existing condition during the first 12 months of coverage.

Aeromedical Advisor — for Pilots.

Pilots have access to a free program of medical counseling to help them avoid a potential situation that affects the status of their medical certification and the potential loss of their medical certificate. To access this service, contact Dr. Gordon at 1-734-718-7607 (cell). You can also reach him by email at and learn more about Dr. Gordon by visiting


Post-tax disability plan for Pilots

All Pilots are enrolled in a post-tax disability plan that provides a greater take-home benefit if disabled. Since the benefits are tax-free, the premium that JetBlue pays for this coverage will be treated as taxable income (also referred to as imputed income).