Life and AD&D Coverage

DFW provides employer-paid basic life and AD&D coverage, plus optional employee and dependent life insurance with age-based reductions and possible evidence of insurability.

Life and AD&D Coverage

Employer-Provided Life & AD&D

Feature	Details
Coverage	Basic Life + AD&D
Paid By	Employer
Eligibility	Automatically provided to employees
Benefit Amount	2x annual salary
Maximum Benefit	$1 million
Notes	Airport paid basic life insurance and AD&D coverage.

Coverage

Details: Basic Life + AD&D

Paid By

Details: Employer

Eligibility

Details: Automatically provided to employees

Benefit Amount

Details: 2x annual salary

Maximum Benefit

Details: $1 million

Notes

Details: Airport paid basic life insurance and AD&D coverage.

Supplemental Employee Term Life Insurance & AD&D

Feature	Details
Paid By	Employee
Eligibility	Employees who elect supplemental coverage
Benefit Amount	1x, 2x or 3x annual salary up to a maximum of $750,000
Maximum Benefit	$750,000
Evidence of Insurability	May be required when enrolling after a new-hire period or increasing more than 1x salary.
Notes	Employee paid at group rates on an after-tax basis.

Paid By

Details: Employee

Eligibility

Details: Employees who elect supplemental coverage

Benefit Amount

Details: 1x, 2x or 3x annual salary up to a maximum of $750,000

Maximum Benefit

Details: $750,000

Evidence of Insurability

Details: May be required when enrolling after a new-hire period or increasing more than 1x salary.

Notes

Details: Employee paid at group rates on an after-tax basis.

Dependent Term Life Insurance

Feature	Details
Paid By	Employee
Eligibility	Requires employee to have elected supplemental employee term life coverage.
Spouse Benefit	1x your annual salary, up to a maximum of $75,000
Child(ren) Benefit	$10,000 coverage per child
Evidence of Insurability	May be required for spouse coverage if declined as a new hire and elected later.
Notes	Employee paid at group rates on an after-tax basis.

Paid By

Details: Employee

Eligibility

Details: Requires employee to have elected supplemental employee term life coverage.

Spouse Benefit

Details: 1x your annual salary, up to a maximum of $75,000

Child(ren) Benefit

Details: $10,000 coverage per child

Evidence of Insurability

Details: May be required for spouse coverage if declined as a new hire and elected later.

Notes

Details: Employee paid at group rates on an after-tax basis.

Age-Based Coverage Reduction

Applies to basic, supplemental and AD&D coverage amounts.

Employee Age	New Amount
65 through 69	65% of coverage amount
70 or older	50% of coverage amount

65 through 69

New Amount: 65% of coverage amount

70 or older

New Amount: 50% of coverage amount

Premiums are based on age and coverage amount as of Jan. 1, 2026, or hire date, whichever is later.

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