Income Protection

DFW provides employer-paid short-term and long-term disability coverage through Unum, plus paid parental leave for eligible employees.

Provider

Paid By

Maximum Benefit Duration

Duration	Amount of Benefit
Week 1	Waiting period (use sick leave)
Weeks 2–12	100% of base pay
Weeks 13–26	70–85% of base pay

Week 1

Weeks 2–12

Weeks 13–26

Short-term disability is administered by Unum as part of DFW’s Leave Administration program.
Eligibility requires six months of employment at the time of initial injury or onset of illness.
All applications are reviewed and approved by Unum.
Employees hired before 2011 are paid at 85% of base pay for weeks 13–26 instead of 70–85%.
Consult DFWConnected for full program details.

Provider

Paid By

Income Replacement Percent

Maximum Benefit

Elimination Period

Eligibility requires six months of employment at the time of initial injury or onset of illness.
You must be unable to work for more than 180 calendar days due to an approved short-term disability or workers’ compensation injury or illness.
You must be totally disabled as defined by the plan.
Maximum benefit period: Continues as long as the plan's definition of disabled is met, or until age 65. If the long-term disability benefit begins at age 62 or older, benefits may extend past age 65.