LIPS / API CLAIM DENIED
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thug life..................
As late Tupac shakur would put..
The Writing is on the wall another scheme going or gone South...................
Sad to see this happen..started off with a bang,,,,........!!!
The Writing is on the wall another scheme going or gone South...................
Sad to see this happen..started off with a bang,,,,........!!!
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MS
Quote from Dune (now silent Dune for some reason) post earlier:
"I am very please to hear this may be occurring (and would expect such as I mentioned in my previous post). I am sure many pilots assume a loss of medical payment is a guaranteed "pension for life" and nothing is further from the truth. If an individuals medical condition improves such that he/she is able to regain an aviation medical in his/her home country then the disability claim is no longer valid (along with the associated payments). Alternately, those with truly ongoing legitimate claims where an aviation medical is not possible (such as your associate with the stated MS) should have no problem providing factually updated medical data to revalidate their ongoing disability. I am encouraged API is reviewing each/every payment (even though I am no longer a member but would be very happy to hear such if I was still contributing to the plan) and would advise those who receive such payments to expect a reassessed every 3-4 years to reconfirm the claims are legitimate to protect those still paying into the plan. I do not see a problem with this for legitimate claims. Do you?"
So silent Dune you are saying if you were at home receiving LIPS API benefit after you had been diagnosed with MS you would have no problem with an occasional call from ms Elliott to "check" if your MS had cleared up ?
A colleague of mine received an e mail from ms Robin Elliott at Harvey Watt & Co to arrange a phone call to discuss whether he still required benefits.(I am happy to publish a copy of the e mail if you like).
I suggest both you and Ms elliott google "multiple sclerosis" and pay particular attention to the paragraph on "prognosis"
For Bell the Dune Tolls
"I am very please to hear this may be occurring (and would expect such as I mentioned in my previous post). I am sure many pilots assume a loss of medical payment is a guaranteed "pension for life" and nothing is further from the truth. If an individuals medical condition improves such that he/she is able to regain an aviation medical in his/her home country then the disability claim is no longer valid (along with the associated payments). Alternately, those with truly ongoing legitimate claims where an aviation medical is not possible (such as your associate with the stated MS) should have no problem providing factually updated medical data to revalidate their ongoing disability. I am encouraged API is reviewing each/every payment (even though I am no longer a member but would be very happy to hear such if I was still contributing to the plan) and would advise those who receive such payments to expect a reassessed every 3-4 years to reconfirm the claims are legitimate to protect those still paying into the plan. I do not see a problem with this for legitimate claims. Do you?"
So silent Dune you are saying if you were at home receiving LIPS API benefit after you had been diagnosed with MS you would have no problem with an occasional call from ms Elliott to "check" if your MS had cleared up ?
A colleague of mine received an e mail from ms Robin Elliott at Harvey Watt & Co to arrange a phone call to discuss whether he still required benefits.(I am happy to publish a copy of the e mail if you like).
I suggest both you and Ms elliott google "multiple sclerosis" and pay particular attention to the paragraph on "prognosis"
For Bell the Dune Tolls
Last edited by footballfanppl; 14th Dec 2017 at 23:41.
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AND SO LIPS API (dune el peligroso and fatbus) & Sovereign reply finally is ???
...wait ...wait ..... I think there may be,....as promised, a "real live human being" reading this post and available to answer all these questions................ . . . . . . . . . . . . . . .
ALL WE HEAR IS THE DEAFENING SILENCE OF TUMBLEWEED
Last edited by footballfanppl; 13th Dec 2017 at 21:00. Reason: Edit
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GORILLA IN THE ROOM
Silent Dune/ Silent el peligroso/ Silent fatbus
The time has come to confess to any possible breaches of COMPLIANCE which might well demonstrate failure by you and/or your LIPS API "buddies" to apply DUE DILIGENCE to yourselves?
QUESTION 1: WHY did Sovereign Stephen feel the need to write to all the members paying insurance premiums under the LIPS API insurance scheme last March? (one of his key roles as Managing Director at Sovereign (Guernsey) is I believe COMPLIANCE).
I have heard it was because of possible NON COMPLIANCE with Guernsey Financial Authority Regulations
QUESTION 2: WHY are former pilot insurance premium paying colleagues who left the LIPS API "Scheme" six months ago after hearing of the wrongful denial of my legitimate claim and resulting pending lawsuit still receiving warning letters from "the real live human being" at aircrewprotection
QUESTION 3: WHY so many PILOT DIRECTOR RESIGNATIONS from LIPS API of late ?
Of course the real GORILLA IN THE ROOM will be dealt with in due course in the not too distant future........Im sure you know what that GORILLA may be?
By way of background check out the latest trends in law re accountability of financial entities and those working for them found culpable "after the event"....resigning won't get them off the hook. i.e. they will take a bullet for the their team if the breach occurred on their watch. The US DOJ is a trailblazer in this regard.
(in the excerpt below I highlight in bold the pertinent section )
INDIVIDUAL ACCOUNTABILITY
ABOUT THE INDIVIDUAL ACCOUNTABILITY POLICY
Fighting corporate fraud and other misconduct is a top priority of the Department of Justice. Our nation's economy depends on effective enforcement of the civil and criminal laws that protect our financial system and, by extension, all our citizens. These are principles that the Department lives and breathes- as evidenced by the many attorneys, agents, and support staff who have worked tirelessly on corporate investigations.
One of the most effective ways to combat corporate misconduct is by seeking accountability from the individuals who perpetrated the wrongdoing. Such accountability is important for several reasons: it deters future illegal activity; it incentivizes changes in corporate behavior; it ensures that the proper parties are held responsible for their actions; and it promotes the public's confidence in our justice system.
On September 9, 2015, Deputy Attorney General Sally Q. Yates issued a memorandum entitled, “Individual Accountability for Corporate Wrongdoing” to guide department attorneys when handling corporate matters. The memo outlined six significant steps in Department policy in order to ensure that corporate investigations are handled consistently across the department:
To be eligible for any cooperation credit, corporations must provide the Department all relevant facts about individuals involved in corporate misconduct;
Both criminal and civil corporate investigations should focus on individuals from the inception of the investigation;
Criminal and civil attorneys handling corporate investigations should be in routine communication with one another;
Absent extraordinary circumstances, no corporate resolution should provide protection from criminal or civil liability for any individuals;
Corporate cases should not be resolved without a clear plan to resolve related individual cases; and
Civil attorneys should evaluate whether to bring suit against an individual based on considerations beyond that individual’s ability to pay.
web page in full available here
https://www.justice.gov/dag/individual-accountability
Im off now to focus on the upcoming lawsuit and the GORILLA IN THE ROOM that comes with it.
The time has come to confess to any possible breaches of COMPLIANCE which might well demonstrate failure by you and/or your LIPS API "buddies" to apply DUE DILIGENCE to yourselves?
QUESTION 1: WHY did Sovereign Stephen feel the need to write to all the members paying insurance premiums under the LIPS API insurance scheme last March? (one of his key roles as Managing Director at Sovereign (Guernsey) is I believe COMPLIANCE).
I have heard it was because of possible NON COMPLIANCE with Guernsey Financial Authority Regulations
QUESTION 2: WHY are former pilot insurance premium paying colleagues who left the LIPS API "Scheme" six months ago after hearing of the wrongful denial of my legitimate claim and resulting pending lawsuit still receiving warning letters from "the real live human being" at aircrewprotection
QUESTION 3: WHY so many PILOT DIRECTOR RESIGNATIONS from LIPS API of late ?
Of course the real GORILLA IN THE ROOM will be dealt with in due course in the not too distant future........Im sure you know what that GORILLA may be?
By way of background check out the latest trends in law re accountability of financial entities and those working for them found culpable "after the event"....resigning won't get them off the hook. i.e. they will take a bullet for the their team if the breach occurred on their watch. The US DOJ is a trailblazer in this regard.
(in the excerpt below I highlight in bold the pertinent section )
INDIVIDUAL ACCOUNTABILITY
ABOUT THE INDIVIDUAL ACCOUNTABILITY POLICY
Fighting corporate fraud and other misconduct is a top priority of the Department of Justice. Our nation's economy depends on effective enforcement of the civil and criminal laws that protect our financial system and, by extension, all our citizens. These are principles that the Department lives and breathes- as evidenced by the many attorneys, agents, and support staff who have worked tirelessly on corporate investigations.
One of the most effective ways to combat corporate misconduct is by seeking accountability from the individuals who perpetrated the wrongdoing. Such accountability is important for several reasons: it deters future illegal activity; it incentivizes changes in corporate behavior; it ensures that the proper parties are held responsible for their actions; and it promotes the public's confidence in our justice system.
On September 9, 2015, Deputy Attorney General Sally Q. Yates issued a memorandum entitled, “Individual Accountability for Corporate Wrongdoing” to guide department attorneys when handling corporate matters. The memo outlined six significant steps in Department policy in order to ensure that corporate investigations are handled consistently across the department:
To be eligible for any cooperation credit, corporations must provide the Department all relevant facts about individuals involved in corporate misconduct;
Both criminal and civil corporate investigations should focus on individuals from the inception of the investigation;
Criminal and civil attorneys handling corporate investigations should be in routine communication with one another;
Absent extraordinary circumstances, no corporate resolution should provide protection from criminal or civil liability for any individuals;
Corporate cases should not be resolved without a clear plan to resolve related individual cases; and
Civil attorneys should evaluate whether to bring suit against an individual based on considerations beyond that individual’s ability to pay.
web page in full available here
https://www.justice.gov/dag/individual-accountability
Im off now to focus on the upcoming lawsuit and the GORILLA IN THE ROOM that comes with it.
Last edited by footballfanppl; 13th Dec 2017 at 20:51.
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footballfanppl, why not tell the world why exactly you were denied.
The latest API website has the following good words from members collecting. I suggest they are factual.
WHEN THE UNEXPECTED HAPPENS - RAN OVER DURING PREFLIGHT WALK-AROUND
I was an Emirates captain for over 4 years, joined the company in 2012. I joined API Emirates Pilot Loss of Income Protection Scheme when I first heard about it. I thought I had a healthy lifestyle, I was actively doing sports, I would most probably not need it, but yes, why not.
The accident: In April, 2016 I was doing a preflight walk-around under the wing of a 777, when a single container truck ran me over. Due to my martial art background I am experienced how to “fall and protect”, but it was not enough this time. The truck hit my head, I fell and I laid unconscious on the tarmac. The accident resulted in a multiple skull fracture, brain contusion and hemorrhage. They took me to ICU then I spent a few weeks in hospital and undergone a long rehabilitation process. It was a naughty one, but I luckily got off with no paralysis or functional deficiency.
The outcome: 8 months later GCAA Medical Board has revoked my medical certificate and Emirates terminated my contract. A long administration process started and to be fair with the company, Emirates was supportive, correctly payed the relevant benefits in line with their Employee Handbook and ERM.
Claim submitted towards API as well. They have an independent medical expert team in the US, all my medical records were submitted (over 200 pages) to them. It took 3 months to wait for the decision of API Trust.
I called the API Administrators and Committee a few times, during the claim process. Garrie and Peter always responded courteously and with professionalism, I received positive support during the waiting period. Once the claim was accepted, API correctly payed backdated to the eligibility date and I am receiving the monthly benefits correctly.
Dear fellow colleagues,
My case has a lucky outcome medically, but it destroyed a career, a lifestyle and it affected a family life. API benefits now keeps us financially stable, assists us establishing a completely different life.
Thank You API, the Administrator Team and to all fellow pilots contributes the the Plan. I truly recommend API as a good institution to all pilots who plan to protect themselves against loss of income.
The unexpected can happen to anyone, anytime.
With appreciation,
Captain Lajos Szabo
I'm glad I had API
We all think we are invincible and nothing will happen to us! Our class 1 medical is one of the most fragile things we have, the gets scrutinised every year until 60 then twice a year thereafter.
I know better than most, 2 years ago whilst at the peak of my physical fitness I was suddenly diagnosed with an autoimmune disease that ended my flying career. It was a terrible time for me & my family not knowing what the future would hold. I went through all the doubts, will the company pay and will API (LIPS at the time) pay? Will they try to wriggle out of paying somehow? But the process was easy, everyone involved were 100% professional with great support from both EK and API throughout and Harvey Watt in the US got involved from an early stage to act as an independent pair of medical eyes.
I can only say I'm glad had API and I don't have to worry about my financial future and would like to thank all the guys at API for holding my hand thru the whole process.
Don't delay get peace of mind, you don't know what's around the corner especially with the current demanding rosters you all fly. If any of you have any questions about my experience don't hesitate to contact me.
Captain David Gaughan
Thank you API
I lost my medical in July 2015 due to depression after my wife passed away. However hard I tried, the doctors recommended another 6 months of recovery was needed after I had been on sick leave for one year. Management did not want to entertain unpaid leave or any other options so that I could regain my medical and continue flying. So I was terminated with my medical still 'pending' with the GCAA. Depression is one of the conditions that Emirates and API will not pay compensation for, so no loss of licence from Emirates or API.
I did however receive a generous 'death of spouse' payout from API for which I was very thankful. While I accepted this final outcome I was surprised to learn that I did not qualify for LSB from API either. After a phone call to one of the committee members and explaining the situation, the committee all agreed to help me out by reimbursing my entire subscription fee from when I first joined LIPS may years ago.
This was a very generous gesture and will go a long way to assisting me financially when I am back home. Thank you API for your generous consideration.
July 2016
Jeremy Roswell
My family will have a secure financial future
If you get a lucky cancer diagnosis it won't take your life but it will destroy it....
It ruins your career,It ruins your family life and relationships,It ruins your hobbies.
Due to my API coverage, one thing that it hasn't affected is my financial stability. No matter what the future holds I can safely say that my family will have a secure financial future ahead of them.
Robert Brown
Frank Bishop - (Emirates Pilot)
I have been a Captain with Emirates for over six years and I joined the Emirates Pilot Loss of Income Protection scheme (API) very soon after I heard about it. My decision to join API (as opposed to other, 'for-profit' schemes) was for two main reasons; First; the annual subscriptions were reasonable. Second; because it is administered by fellow Emirates pilots, I believed (and continue to believe) it's a lot easier communicating directly with fellow Emirates pilot decision-makers, than it would be with a commercial, multi-layered offshore insurance company.
Unfortunately for me and my career as a pilot, in December 2013 it became clear I could lose my pilot medical - permanently. Fortunately API was there for me. As I'd hoped and trusted, any stories I'd heard about API trying to avoid payment at all costs were false - the issue never materialized, at all. After notification from the GCAA on 9th March that I was permanently grounded, I submitted my API claim, along with all the required supporting documentation. Within the timeframe as explained to me, Harvey Watt & Co (the professional API medical claim processor company, located in the USA) had informed me of their findings and subsequent recommendation to API. Again, within the described timeframe, I had heard from the API Directors of their decision to award me API monthly benefits and all that remained was for me to confirm my bank details.
My belief in API that all would be quick and easy to communicate with my fellow-pilot decision makers was indeed correct. ALL my dealings with ALL the people at API have been prompt and professional.As a result of my experiences, it is with pleasure that I recommend API protection to any pilot who may be in any doubt as to whether it is the correct institution with which to protect your Emirates pilot income.
With appreciation - Frank Bishop
What is your plan
Respected Emirates Colleagus,
One’s career may be likened to a flight. We hope that it will be ultra long range. We plan to make it to our destination at our desired retirement date. Like a well-planned flight, the path of our long-range career may need adjusting. The arc of one’s professional life may be cut short, and we have to manage mid-flight change up to and including relying on our alternate.
LIPS is the alternate. What’s your plan?
Captain Steve Nuttall
Please ensure you have LIPS coverage.
Dear colleagues,
Nobody would like to hear the words from a doctor, “you'll probably never fly again.” With three daughters in either school or university, one of my immediate reactions was “thankfully, I have income protection”. This was quickly followed by “is my coverage in order?”
The LIPS Directors; Garrie, Paulo and Roger, were very quick to assure me that everything in this regard was OK. And Garrie took time to explain coverage and discuss any further queries that I had. He even called me to follow-up, from time to time, to see how I was.
Thankfully, I'm flying again now, following medical attention. I would like to endorse and recommend the LIPS income protection product and their service to every Emirates pilot.
Please ensure you have LIPS coverage. You cannot afford to be without it.
Capt Grayden Thompson
They became involved on both a personal and a professional basis
testimonial1.jpg
Wayne McCone
MAY 15, 2015
Dear Emirates Colleagues, For me 2014 began with bad news regarding my health and by November it was confirmed that my license was revoked. My career as a pilot ended!
As I was a member of API (former LIPS) I notified them and submitted a claim. I cannot say anything else than that the claim was processed very professionally, straight forward and humane. If I had a question, within a day I received a reply.
Shortly after all required documents were submitted and reviewed, Garrie contacted me to inform me that my claim was approved. Special thanks to Joe, who was my primary contact and who still keeps in touch to inquire on my situation. Thanks to the fact that I joined API I am now still able to continue offering my family a stable lifestyle. As we do not know what lies on our path, I highly recommend anyone of you to join API to protect yourself against loss of income.
Appreciative API benefits Cliamant
"It won't happen to me!"
In an unusual turn of events late last year, I was diagnosed with a non-lifethreatening medical condition resulting in a Loss of flight medical and therefore my flying license.
One always thinks that it won’t happen to me, but my situation has proven just how fragile a flight medical can be!
Throughout my Professional Life I have always maintained Loss of Income Insurance, as I consider it to be one of the most important Insurance Policies anyone should have. Prior to joining API, I researched other options and I concluded there was no comparative policy available.What sets API apart is that API is Emirates specific and is run by a team of Emirates pilots. The ‘Benefits’ also continue regardless of whether, after your loss of license, you are able to derive another form of income. Most income protection policies will pay only a percentage of your salary and make an adjustment to your benefit once you acquire a new income.
In other words, depending on your new salary, you may very well not receive any income protection at all under a Policy with a different Insurer.From my perspective what the API Policy allows, is the freedom to choose. It affords you the ability to refocus and prioritize your personal life and professional career with the peace of mind knowing that you will continue to have a regular monthly income source up to age 60.
Throughout the claims process, the API Committee and Administrators acted with courtesy, integrity and professionalism, and finalized my claim expeditiously.
As Pilots we always endeavor to mitigate risk. Therefore, I highly recommend Income Protection through the API Policy for the same reason.
Appreciative API Benefits Claimant
Resigned from Emirates
The words Aircrew Protection International (formerly LIPS) translate to me: Peace of Mind, which as we all know, cannot be valuated, priced or otherwise financially quantified. It means financial assurance at a very low annual cost and without all the games, tricks and traps along the way because the bylaws have been written by Emirates pilots for Emirates pilots and its simplicity and common language are easy to understand.
Over the years I’ve been with API, I’ve observed the common-pilot approach to the language in providing guidance, speed in answering my questions, clarification and what is simply the best transparency I’ve seen in the region. With over ten years at Emirates I never had to exercise our policy but I knew it was always there in the background which has always been a tremendous comfort. You don’t realize how much that means to you until you’ve resigned and you’re temporarily left in no-man’s land until your next career step’s benefits kick in.
A very big Thank You to all those administering the API plan and a very big Thank You to all those pilots within the Plan because the increasing number of members continue to reinforce its actuarial soundness. Thank you.
June 2016
Jeff Wooldridge
In response to request for payment information
Very thorough, speedy and courteous response. Thank you.
Robert Conroy
A word of thanks - November 2016
The support and feedback I received was very good. Quick and accurate thus allowing me to continue with my work daily quickly. Well done to the support team!
Patrick Spiteri
In response to request for payment information
Prompt response even over the public holiday. Excellent work!
David HS Ford
Thank you - September 2016
I love LIPS, thank you for all your help
James Nixon
Message from Member requesting account assistance - November 2016
Very good and fast response! Thank you very much...
Thomas Haubenhofer
WHEN THE UNEXPECTED HAPPENS - RAN OVER DURING PREFLIGHT WALK-AROUND
I was an Emirates captain for over 4 years, joined the company in 2012. I joined API Emirates Pilot Loss of Income Protection Scheme when I first heard about it. I thought I had a healthy lifestyle, I was actively doing sports, I would most probably not need it, but yes, why not.
The accident: In April, 2016 I was doing a preflight walk-around under the wing of a 777, when a single container truck ran me over. Due to my martial art background I am experienced how to “fall and protect”, but it was not enough this time. The truck hit my head, I fell and I laid unconscious on the tarmac. The accident resulted in a multiple skull fracture, brain contusion and hemorrhage. They took me to ICU then I spent a few weeks in hospital and undergone a long rehabilitation process. It was a naughty one, but I luckily got off with no paralysis or functional deficiency.
The outcome: 8 months later GCAA Medical Board has revoked my medical certificate and Emirates terminated my contract. A long administration process started and to be fair with the company, Emirates was supportive, correctly payed the relevant benefits in line with their Employee Handbook and ERM.
Claim submitted towards API as well. They have an independent medical expert team in the US, all my medical records were submitted (over 200 pages) to them. It took 3 months to wait for the decision of API Trust.
I called the API Administrators and Committee a few times, during the claim process. Garrie and Peter always responded courteously and with professionalism, I received positive support during the waiting period. Once the claim was accepted, API correctly payed backdated to the eligibility date and I am receiving the monthly benefits correctly.
Dear fellow colleagues,
My case has a lucky outcome medically, but it destroyed a career, a lifestyle and it affected a family life. API benefits now keeps us financially stable, assists us establishing a completely different life.
Thank You API, the Administrator Team and to all fellow pilots contributes the the Plan. I truly recommend API as a good institution to all pilots who plan to protect themselves against loss of income.
The unexpected can happen to anyone, anytime.
With appreciation,
Captain Lajos Szabo
I'm glad I had API
We all think we are invincible and nothing will happen to us! Our class 1 medical is one of the most fragile things we have, the gets scrutinised every year until 60 then twice a year thereafter.
I know better than most, 2 years ago whilst at the peak of my physical fitness I was suddenly diagnosed with an autoimmune disease that ended my flying career. It was a terrible time for me & my family not knowing what the future would hold. I went through all the doubts, will the company pay and will API (LIPS at the time) pay? Will they try to wriggle out of paying somehow? But the process was easy, everyone involved were 100% professional with great support from both EK and API throughout and Harvey Watt in the US got involved from an early stage to act as an independent pair of medical eyes.
I can only say I'm glad had API and I don't have to worry about my financial future and would like to thank all the guys at API for holding my hand thru the whole process.
Don't delay get peace of mind, you don't know what's around the corner especially with the current demanding rosters you all fly. If any of you have any questions about my experience don't hesitate to contact me.
Captain David Gaughan
Thank you API
I lost my medical in July 2015 due to depression after my wife passed away. However hard I tried, the doctors recommended another 6 months of recovery was needed after I had been on sick leave for one year. Management did not want to entertain unpaid leave or any other options so that I could regain my medical and continue flying. So I was terminated with my medical still 'pending' with the GCAA. Depression is one of the conditions that Emirates and API will not pay compensation for, so no loss of licence from Emirates or API.
I did however receive a generous 'death of spouse' payout from API for which I was very thankful. While I accepted this final outcome I was surprised to learn that I did not qualify for LSB from API either. After a phone call to one of the committee members and explaining the situation, the committee all agreed to help me out by reimbursing my entire subscription fee from when I first joined LIPS may years ago.
This was a very generous gesture and will go a long way to assisting me financially when I am back home. Thank you API for your generous consideration.
July 2016
Jeremy Roswell
My family will have a secure financial future
If you get a lucky cancer diagnosis it won't take your life but it will destroy it....
It ruins your career,It ruins your family life and relationships,It ruins your hobbies.
Due to my API coverage, one thing that it hasn't affected is my financial stability. No matter what the future holds I can safely say that my family will have a secure financial future ahead of them.
Robert Brown
Frank Bishop - (Emirates Pilot)
I have been a Captain with Emirates for over six years and I joined the Emirates Pilot Loss of Income Protection scheme (API) very soon after I heard about it. My decision to join API (as opposed to other, 'for-profit' schemes) was for two main reasons; First; the annual subscriptions were reasonable. Second; because it is administered by fellow Emirates pilots, I believed (and continue to believe) it's a lot easier communicating directly with fellow Emirates pilot decision-makers, than it would be with a commercial, multi-layered offshore insurance company.
Unfortunately for me and my career as a pilot, in December 2013 it became clear I could lose my pilot medical - permanently. Fortunately API was there for me. As I'd hoped and trusted, any stories I'd heard about API trying to avoid payment at all costs were false - the issue never materialized, at all. After notification from the GCAA on 9th March that I was permanently grounded, I submitted my API claim, along with all the required supporting documentation. Within the timeframe as explained to me, Harvey Watt & Co (the professional API medical claim processor company, located in the USA) had informed me of their findings and subsequent recommendation to API. Again, within the described timeframe, I had heard from the API Directors of their decision to award me API monthly benefits and all that remained was for me to confirm my bank details.
My belief in API that all would be quick and easy to communicate with my fellow-pilot decision makers was indeed correct. ALL my dealings with ALL the people at API have been prompt and professional.As a result of my experiences, it is with pleasure that I recommend API protection to any pilot who may be in any doubt as to whether it is the correct institution with which to protect your Emirates pilot income.
With appreciation - Frank Bishop
What is your plan
Respected Emirates Colleagus,
One’s career may be likened to a flight. We hope that it will be ultra long range. We plan to make it to our destination at our desired retirement date. Like a well-planned flight, the path of our long-range career may need adjusting. The arc of one’s professional life may be cut short, and we have to manage mid-flight change up to and including relying on our alternate.
LIPS is the alternate. What’s your plan?
Captain Steve Nuttall
Please ensure you have LIPS coverage.
Dear colleagues,
Nobody would like to hear the words from a doctor, “you'll probably never fly again.” With three daughters in either school or university, one of my immediate reactions was “thankfully, I have income protection”. This was quickly followed by “is my coverage in order?”
The LIPS Directors; Garrie, Paulo and Roger, were very quick to assure me that everything in this regard was OK. And Garrie took time to explain coverage and discuss any further queries that I had. He even called me to follow-up, from time to time, to see how I was.
Thankfully, I'm flying again now, following medical attention. I would like to endorse and recommend the LIPS income protection product and their service to every Emirates pilot.
Please ensure you have LIPS coverage. You cannot afford to be without it.
Capt Grayden Thompson
They became involved on both a personal and a professional basis
testimonial1.jpg
Wayne McCone
MAY 15, 2015
Dear Emirates Colleagues, For me 2014 began with bad news regarding my health and by November it was confirmed that my license was revoked. My career as a pilot ended!
As I was a member of API (former LIPS) I notified them and submitted a claim. I cannot say anything else than that the claim was processed very professionally, straight forward and humane. If I had a question, within a day I received a reply.
Shortly after all required documents were submitted and reviewed, Garrie contacted me to inform me that my claim was approved. Special thanks to Joe, who was my primary contact and who still keeps in touch to inquire on my situation. Thanks to the fact that I joined API I am now still able to continue offering my family a stable lifestyle. As we do not know what lies on our path, I highly recommend anyone of you to join API to protect yourself against loss of income.
Appreciative API benefits Cliamant
"It won't happen to me!"
In an unusual turn of events late last year, I was diagnosed with a non-lifethreatening medical condition resulting in a Loss of flight medical and therefore my flying license.
One always thinks that it won’t happen to me, but my situation has proven just how fragile a flight medical can be!
Throughout my Professional Life I have always maintained Loss of Income Insurance, as I consider it to be one of the most important Insurance Policies anyone should have. Prior to joining API, I researched other options and I concluded there was no comparative policy available.What sets API apart is that API is Emirates specific and is run by a team of Emirates pilots. The ‘Benefits’ also continue regardless of whether, after your loss of license, you are able to derive another form of income. Most income protection policies will pay only a percentage of your salary and make an adjustment to your benefit once you acquire a new income.
In other words, depending on your new salary, you may very well not receive any income protection at all under a Policy with a different Insurer.From my perspective what the API Policy allows, is the freedom to choose. It affords you the ability to refocus and prioritize your personal life and professional career with the peace of mind knowing that you will continue to have a regular monthly income source up to age 60.
Throughout the claims process, the API Committee and Administrators acted with courtesy, integrity and professionalism, and finalized my claim expeditiously.
As Pilots we always endeavor to mitigate risk. Therefore, I highly recommend Income Protection through the API Policy for the same reason.
Appreciative API Benefits Claimant
Resigned from Emirates
The words Aircrew Protection International (formerly LIPS) translate to me: Peace of Mind, which as we all know, cannot be valuated, priced or otherwise financially quantified. It means financial assurance at a very low annual cost and without all the games, tricks and traps along the way because the bylaws have been written by Emirates pilots for Emirates pilots and its simplicity and common language are easy to understand.
Over the years I’ve been with API, I’ve observed the common-pilot approach to the language in providing guidance, speed in answering my questions, clarification and what is simply the best transparency I’ve seen in the region. With over ten years at Emirates I never had to exercise our policy but I knew it was always there in the background which has always been a tremendous comfort. You don’t realize how much that means to you until you’ve resigned and you’re temporarily left in no-man’s land until your next career step’s benefits kick in.
A very big Thank You to all those administering the API plan and a very big Thank You to all those pilots within the Plan because the increasing number of members continue to reinforce its actuarial soundness. Thank you.
June 2016
Jeff Wooldridge
In response to request for payment information
Very thorough, speedy and courteous response. Thank you.
Robert Conroy
A word of thanks - November 2016
The support and feedback I received was very good. Quick and accurate thus allowing me to continue with my work daily quickly. Well done to the support team!
Patrick Spiteri
In response to request for payment information
Prompt response even over the public holiday. Excellent work!
David HS Ford
Thank you - September 2016
I love LIPS, thank you for all your help
James Nixon
Message from Member requesting account assistance - November 2016
Very good and fast response! Thank you very much...
Thomas Haubenhofer
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Toilet Flush I dare say they are factual, but lifted off the LIPS website. Also I’d wager they were before Harvey Watt were involved.
I know about the case being pursued and if the person involved isn’t eligible then god help the rest of us.
I know about the case being pursued and if the person involved isn’t eligible then god help the rest of us.
Thread Starter
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BUSTED ! CLAIM DENIAL MECHANICS 101
Thread Starter
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Joining ...up... the... dots...
toilet flush of the sixteen individuals comments you posted only seven of those received benefit, one didn't qualify as his condition was excluding and the remaining are merely commenting "niceties" on admin response time...wow! thats plain misleading. Can you tell the world why have 80 % of the LIPS API board members you mention in your cut and paste "no bad press allowed" ad resigned from the LIPS API board. The answer to the question in your post title is duly answered in a previous post by Gardenshed as detailed below.
Except the problem wasn't pre-existing. It is a completely different issue.
HW are using it as a tenuous link to deny.
Guys the case is heading to court, the consultant on the case stated that he spent about 25% of his professional time writing up reports to prove that this get of jail cause, used by many insurance agencies are false.
HW are using it as a tenuous link to deny.
Guys the case is heading to court, the consultant on the case stated that he spent about 25% of his professional time writing up reports to prove that this get of jail cause, used by many insurance agencies are false.
Have a read of the attached page and see if you can join up the dots ... . . . . . . . if you need help at joining up the dots an answer sheet version will be here before Santa drops by...... . . . . . . . . . please be assured a live human Santa wrote this post and will respond.
Last edited by footballfanppl; 15th Dec 2017 at 02:07. Reason: Edit
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If you have a question for API (formerly LIPS) please send an email to [email protected] and just ask us.
Regards,
Member Support at Aircrew Protection International
Regards,
Member Support at Aircrew Protection International
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Recent article may be of interest.
opinionshttp://www.smh.com.au/business/banking-and-finance/life-insurers-accused-of-cherrypicking-medical-advice-to-deny-and-delay-claims-20170406-gvfhex.html
opinionshttp://www.smh.com.au/business/banking-and-finance/life-insurers-accused-of-cherrypicking-medical-advice-to-deny-and-delay-claims-20170406-gvfhex.html
Join Date: Dec 2017
Location: Atlanta
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AP1
“information about API
uae.pilotprotection
The above site appears to be maintained up to date and is unbiased.
Kindly note the column in pink under API.
It states across from plan description :
- “ aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.”
It states across from who operates the plan :
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
- It states across from risk rating:
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
-it cites across from plan legal domicile ie any associated legal action:
“the British Virgin Islands.”
- across from does the plan have any Regulatory registration & oversight .
“No LIPS/API currently have nil regulatory oversight.”
- across from what to watch out for:
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
uae.pilotprotection
The above site appears to be maintained up to date and is unbiased.
Kindly note the column in pink under API.
It states across from plan description :
- “ aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.”
It states across from who operates the plan :
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
- It states across from risk rating:
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
-it cites across from plan legal domicile ie any associated legal action:
“the British Virgin Islands.”
- across from does the plan have any Regulatory registration & oversight .
“No LIPS/API currently have nil regulatory oversight.”
- across from what to watch out for:
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
Thread Starter
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Dots Joined
“information about API
uae.pilotprotection
The above site appears to be maintained up to date and is unbiased.
Kindly note the column in pink under API.
It states across from plan description :
- “ aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.”
It states across from who operates the plan :
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
- It states across from risk rating:
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
-it cites across from plan legal domicile ie any associated legal action:
“the British Virgin Islands.”
- across from does the plan have any Regulatory registration & oversight .
“No LIPS/API currently have nil regulatory oversight.”
- across from what to watch out for:
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
uae.pilotprotection
The above site appears to be maintained up to date and is unbiased.
Kindly note the column in pink under API.
It states across from plan description :
- “ aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.”
It states across from who operates the plan :
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
- It states across from risk rating:
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
-it cites across from plan legal domicile ie any associated legal action:
“the British Virgin Islands.”
- across from does the plan have any Regulatory registration & oversight .
“No LIPS/API currently have nil regulatory oversight.”
- across from what to watch out for:
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
Has anyone heard the US FAA received a heads up report requesting an investigation into possible financial and medical fraud by the doctors retained by Harvey Watt & Co to deny API pilot members disability claims?
Join Date: Dec 2017
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Hi anyone
I paid API for 3 years after reading this I wrote to api and asked for answers and they called me back and these are notes I took to those questions
uae.pilotprotection
Website run by former LIPS manager that now works with Baymac competeing with api.
aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.
On the website one of the committee quit in august but is still carried on some of the legal because the process to remove him takes some time but is being done, one retired from emirates and only works for api, one still is pilot at ek and one lost his gcaa medical and is only working for api. The ones only working for api paid from api the same they did when they were flying full-time for ek. None of them is flying somewhere else.
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
Sovereign trust is in UK and manages the bank accounts and has to approved any changes to the Rules after reviewing UK regulatory and approveds or not the benefits to pilots based on recommendation from Harvey watt in the usa. The pilots who run the plan are consultants. Mondial is broker for life insurance and does investments.
I asked about the things on pprune about Harvey watt getting paid to screw pilots and they said that he gets paid a flat rate per pilot per month and he doesn’t get paid more or less if a recommendation is positive or negative its just a flat rate.
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
They don’t have no evidence of such a statement. They are a self-funded that is non-profit because any investments gains or refunds from the life insurance contributions go directly back into the fund. There aren’t shareholders that take dividends and the guys that work there get a flat rate per month and there aren’t any bonus.
-it cites across from plan legal domicile ie any associated legal action: “the British Virgin Islands.”
trust is in the UK and any legal actiions happens there.
“No LIPS/API currently have nil regulatory oversight.”
The trust regulated by guernsey regulatory commission.
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
As above. The one who quit in 2015 and his resignation was in 2015 annual report. The one who quit api this year and is still in the legal book will be advice in the next annual report if hes off the book by then.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Returns were always low because everyone wants to be very cautious investing the fund because the members don’t want their money to be risky invested. In 2017 they went with a new investment company and did really well and will advice in the annual report. The oversight is done by the trust in the uk who is regulated there. The last rate increased was in 2013 and if theres another one it’ll be aobut 50 durham per month because theyre actuarial people recommended it for the last 3 years. The api is investigating is they can get a trust or company that can have reinsurance.
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
The one who quit will be remove when all the legal papers are done and until then hes still legally part of api.
I ask why this trust instead of the way it was because the pilots who run api don’t want access medical records because they’re not doctors so Harvey watt is a doctor and makes recommendation to the trust and they didn’t want to access bank accounts because they don’t want to be accuse of being able to steal the money and run off to Australia like some guy did a long time ago at EPC. Only trust can approved pays out of the bank accounts.
Thanks
I paid API for 3 years after reading this I wrote to api and asked for answers and they called me back and these are notes I took to those questions
uae.pilotprotection
Website run by former LIPS manager that now works with Baymac competeing with api.
aircrew protection intl (API) was originally a plan run by Emirates pilots . There now appears to be no current EK pilots involved, either as Directors or decision makers.
On the website one of the committee quit in august but is still carried on some of the legal because the process to remove him takes some time but is being done, one retired from emirates and only works for api, one still is pilot at ek and one lost his gcaa medical and is only working for api. The ones only working for api paid from api the same they did when they were flying full-time for ek. None of them is flying somewhere else.
“Sovereign Corporate Services ( operating with paid consultants who are former EK pilots )Mondial Dubai acting as investment & life cover facilitator. There appear to be no EK pilots acting as Directors.”
Sovereign trust is in UK and manages the bank accounts and has to approved any changes to the Rules after reviewing UK regulatory and approveds or not the benefits to pilots based on recommendation from Harvey watt in the usa. The pilots who run the plan are consultants. Mondial is broker for life insurance and does investments.
I asked about the things on pprune about Harvey watt getting paid to screw pilots and they said that he gets paid a flat rate per pilot per month and he doesn’t get paid more or less if a recommendation is positive or negative its just a flat rate.
“ as a pure mutual, self - funded plan, risk of reduced payout to the pilot is greater than ‘ insured’ plan.”
They don’t have no evidence of such a statement. They are a self-funded that is non-profit because any investments gains or refunds from the life insurance contributions go directly back into the fund. There aren’t shareholders that take dividends and the guys that work there get a flat rate per month and there aren’t any bonus.
-it cites across from plan legal domicile ie any associated legal action: “the British Virgin Islands.”
trust is in the UK and any legal actiions happens there.
“No LIPS/API currently have nil regulatory oversight.”
The trust regulated by guernsey regulatory commission.
“It appears there are zero current Emirates pilots acting as Directors of this plan.The scheme is run by Directors who left Emirates some time ago & are now employed elsewhere. Indications are that members have not yet been advised.
As above. The one who quit in 2015 and his resignation was in 2015 annual report. The one who quit api this year and is still in the legal book will be advice in the next annual report if hes off the book by then.
According to LIPS / API annual reports investment return on investments has been negative to only 1-2 % for a number of years. Because of this and other factors watch for a possible rate increase. Plan has no insurance regulatory oversight.”
Returns were always low because everyone wants to be very cautious investing the fund because the members don’t want their money to be risky invested. In 2017 they went with a new investment company and did really well and will advice in the annual report. The oversight is done by the trust in the uk who is regulated there. The last rate increased was in 2013 and if theres another one it’ll be aobut 50 durham per month because theyre actuarial people recommended it for the last 3 years. The api is investigating is they can get a trust or company that can have reinsurance.
Out of interest the aircrewprotection.org website remains unchanged and still lists ( with photographs ) the API committee.
The one who quit will be remove when all the legal papers are done and until then hes still legally part of api.
I ask why this trust instead of the way it was because the pilots who run api don’t want access medical records because they’re not doctors so Harvey watt is a doctor and makes recommendation to the trust and they didn’t want to access bank accounts because they don’t want to be accuse of being able to steal the money and run off to Australia like some guy did a long time ago at EPC. Only trust can approved pays out of the bank accounts.
Thanks
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I can understand the scheme and it's directors being registered in a Trust but fail to see what difference it makes for us, the members, to join.
In doing so, we then become part of the system (Trustees) and as such, may restrict our right to take legal action in a contested case. We would, in effect, be suing a Trust that we are directly part of. No doubt I'm missing something here.
Harry
In doing so, we then become part of the system (Trustees) and as such, may restrict our right to take legal action in a contested case. We would, in effect, be suing a Trust that we are directly part of. No doubt I'm missing something here.
Harry
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I couldn't care less of which director is on the board or has resigned. What really scares me on API is the fact that you'll only get paid once your medical is revoked and not simply suspended. Problem is after one year on ground you get fired even though your medical is just suspended. Correct me if I'm wrong but API will only pay you in case our employer also pays you.
Thread Starter
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Joining up the dots answer sheet
Hi anyone
I paid API for 3 years after reading this I wrote to api and asked for answers and they called me back and these are notes I took to those questions
uae.pilotprotection
Website run by former LIPS manager that now works with Baymac competeing with api.etc etc ......blah blah
Thanks
I paid API for 3 years after reading this I wrote to api and asked for answers and they called me back and these are notes I took to those questions
uae.pilotprotection
Website run by former LIPS manager that now works with Baymac competeing with api.etc etc ......blah blah
Thanks
If this post is real, which on the face of it is unlikely, the only verdict to be arrived at logically is "what a mess " :considering the amount of pilot contributed funds we are dealing with here and the, as described by the post, real absence of the specific identity of the "managers" and complete lack of definition of their accountability and responsibility.
24 million AED dirhams
$6.5 million USD
5.4 million EURO
Whilst the "silent aircrew protection international horse" apparently answered can the same individual who posted ask the vaguely defined API Sovereign management if it is true that the FAA AME "experts" retained by Harvey Watt & Co are about to become the subject of a US FAA investigation for potential financial and medical fraud.
I,m sure ALL aircrew protection international pilot monthly fund contributors would like to know the answer to this question as a matter of urgency. They have a right to know the truth.
