Loss of License

Your Income Depends on a Medical Certificate. What's Your Plan if It's Pulled?

A pilot can be perfectly able to work in almost any other profession and still be grounded for good — a cardiac finding, a medication, a diagnosis that wouldn't slow a desk job can cost you the medical certificate your paycheck depends on. Standard disability policies and many employer plans weren't designed for that. This education-first session, led by Dr. Sam (Sourav) Saha with Rahul Agarwal, CPA, walks through how loss-of-license and disability coverage actually pay, where the common gaps are, and how to plan a career whose earnings peak late and stop at a mandatory retirement age.

What You'll Take Away

A Pilot's Plan, in Three Parts

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01 · The Medical Certificate Risk

What really grounds a career.

Why conditions that are manageable in other jobs end a flying career, how FAA medical standards create a risk unique to pilots, and the difference between a temporary grounding and a permanent one.

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02 · Coverage, Decoded

Loss-of-license vs. disability.

How loss-of-license plans are typically structured (monthly benefit, waiting period, lump sums, benefit duration), how they interact with employer and union coverage, and the definitions in a standard disability policy that can leave a grounded pilot without a claim.

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03 · A Compressed Career Window

Peak late, retire on schedule.

With Rahul Agarwal, CPA: savings strategies for income that ramps late, tax-efficient accumulation, planning for a fixed retirement age, and protecting a family that depends on a single, specialized income.

The Audience

Who This Seminar Is For

✓ Airline pilots at regional and major carriers, including those in upgrade or seniority transitions
✓ Corporate, charter, and fractional pilots whose employers offer little or no loss-of-license coverage
✓ Flight instructors and pilots early in a career who want to build the right protection from the start
✓ Pilots approaching the later, highest-earning years and mandatory retirement
✓ Spouses and families who rely on a pilot's income

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

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Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. There is no cost to attend, no purchase required, and no obligation. Lithos hosts this seminar as part of our commitment to financial education for aviation professionals.

Will you try to sell me something?+

The seminar itself is educational. If you would like to talk about your own situation, you can request a complimentary one-on-one review afterward, where products and services may be discussed. It is entirely your choice, and attending creates no obligation.

My airline already provides disability coverage. Why attend?+

Employer and union plans are a real foundation, but they often have benefit caps, limited durations, or definitions that don't match a grounding. Knowing exactly what yours pays — and for how long — is the first thing we help you understand.

Is loss-of-license coverage the same as disability insurance?+

Not quite. Loss-of-license plans are built around the FAA medical certificate itself; a standard disability policy is built around your ability to work in an occupation. The gap between those two definitions is the heart of this seminar.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.

Insurance product availability, underwriting, definitions, and benefits vary by carrier and state and are described here only in general terms. Review your actual policy and employer plan documents with a licensed professional.