Disability coverage ensures your income will be protected in case of injury or illness. Should you experience a qualifying disability that leaves you unable to work for an extended period of time, disability will provide part of your income.

Find Your Benefits

Select your workgroup below to view your disability coverage options.

CWA-IBT Represented

CWA-IBT Represented Team Members are eligible for Optional Short Term Disability (OSTD) and Voluntary Long Term Disability (LTD). American disability payments will be reduced by benefits from other sources.

Optional Short Term Disability (OSTD)

While you are disabled, your OSTD benefit will pay 50% of your adjusted weekly salary, for up to 26 weeks.

Payments will start on your eighth day of disability, or when your sick time is exhausted, whichever is later.

Voluntary Long Term Disability (LTD)

After four months of disability (and any STD benefits have ended), your LTD will provide 60% of your base monthly salary up to age 65. If you are over age 60 on your first day of disability, your LTD may cover up to five years from your first day of disability.

Severe Condition

If you are diagnosed with a qualifying severe condition, your LTD will provide you with a one-time payment of $5000 in addition to the normal coverage.

Learn More

You can find all the plan details for your STD and LTD options on the Plan Guides page.

APFA Represented Flight Attendants

Flight Attendants are eligible for Optional Short Term Disability (OSTD) and Voluntary Long Term Disability (LTD). American disability payments will be reduced by benefits from other sources.

Optional Short Term Disability (OSTD)

While you are disabled, your OSTD benefit will pay 50% of your adjusted weekly salary, for up to 26 weeks.

Payments will start on your eighth day of disability, or when your sick time is exhausted, whichever is later.

Voluntary Long Term Disability (LTD)

After four months of disability (and any STD benefits have ended), your LTD will provide 50% of your base monthly salary up to age 65. If you are over age 60 on your first day of disability, your LTD may cover up to five years from your first day of disability.

Severe Condition

If you are diagnosed with a qualifying severe condition, your LTD will provide you with a one-time payment of $5000 in addition to the normal coverage.

Learn More

You can find all the plan details for your STD and LTD options on the Plan Guides page.

Management & Support Staff

Management and Support Staff receive company-paid disability benefits. American disability payments will be reduced by benefits from other sources.

Short Term Disability

Your STD benefit will pay 66.67% of your gross weekly income for up to 180 days while you are disabled.

Payments will start on your eighth day of disability, or when your sick time is exhausted, whichever is later.

When you enroll you have the option to include the amount the company contributes toward your STD in your taxable income (called “imputed income”). By paying imputed income taxes while actively working, any STD payments you receive if you become disabled will be federal and FICA tax-free, increasing the amount you receive while you’re out and unable to work.

Long Term Disability

If you are disabled for over 180 days, your LTD plan will then pay 66.67% of your base monthly salary, up until your Social Security Normal Retirement Age. If you are over age 60 when your disability begins, the benefit period may be longer.

Severe Condition

If you are diagnosed with a qualifying severe condition, your LTD will provide you with a one-time payment of $5000 in addition to the normal coverage.

Learn More

You can find all the plan details for your STD and LTD options on the Plan Guides page.

APA Represented Pilots

American provides Pilots with the following benefit options. American disability payments will be reduced by benefits from other sources.

Short Term Disability

Your STD benefit will pay $50 per week, for up to 26 weeks, while you are disabled.

Payments will start on your eighth day of disability, or when your sick time is exhausted, whichever is later.

Your STD benefit applies to non-work related disabilities only.

Long Term Disability

If you are disabled for over 26 weeks, your LTD plan will then pay 60% of your base monthly salary, up to $8000 per month.

Please refer to your LTD document for more information.

Your LTD benefit applies to both work and non-work related disabilities.

Learn More

You can find all the plan details for your STD and LTD options on the Plan Guides page.

TWU Represented

LAA TWU Represented Team Members (including LUS Dispatchers) are eligible for short-term disability coverage. American disability payments will be reduced by benefits from other sources.

Long-term disability coverage is available through the Transport Workers Union of America, AFL-CIO. Contact your local union office for information on your LTD plan.

Optional Short-Term Disability (STD)

Your STD benefit will pay 50% of your base monthly salary for up to 26 weeks while you are disabled.

Payments will start on your eighth day of disability, or when your sick time is exhausted, whichever is later.

Learn More

You can find all the plan details for your STD options on the Plan Guides page.

IAM Represented (LUS)

IAM Represented (LUS) Team Members may choose to elect one of several different Voluntary Long Term Disability options. Disability payments will be reduced by benefits from other sources for all American plans.

Voluntary Long Term Disability (VLTD)

Depending on which option you enroll in, your VLTD benefits will start either 90 or 180 days after you are disabled, and will provide 30%-60% of your adjusted monthly salary.

Your benefits will continue, while disabled, up to your Social Security Normal Retirement Age. If you are over age 60 when your disability begins, the benefit period may be longer.

Learn More

You can find all the plan details for your LTD options on the Plan Guides page.

Should I Enroll?

You work hard to protect yourself and your family, but have you taken steps to protect your income? While most people insure their lives and possessions, such as a home or a car, many overlook the need to protect one of the most valuable assets — their income.

Disability happens more often than you think.

  • One in four of today’s 20-year-olds will become disabled before they retire according to a Social Security Administration estimate.
  • Of the 37 million people with disabilities in the U.S., more than 50% are in their working years, between age 18 and 64, according to Census Bureau reports.
  • Among workers with disabilities in the U.S., 52% are women according to a Cornell University Report.

You can’t count on Social Security Disability Insurance to pay the bills if you’re disabled. Not everyone is approved, and it could take six months or longer to even find out if you qualify. Disability insurance can help create peace of mind in case of a disabling accident or illness.

How to File for Disability

Gather your treatment dates, your last worked and last paid dates, as well as your physician’s and supervisor’s contact information.

Then, call MetLife at 888-533-6287 and select option 2.