DPMA doesn't 'make you whole' unless you are a new hire. The amount it pays out goes -down- as you accrue more seniority, not up. It is tax free disability pay however, which helps. As a new hire you get 42%, as a more senior pilot, the scale runs down to 22%.

Disability pay from Harvey Watt is 50%, and if you have 25 years, you'll get 22% from DPMA, so you'll get about 72%.


From the DPMA web site:

How much is my benefit?
DPMA benefits are calculated using the current composite hourly rate (CHR) for your last assigned equipment x 80 hours. This gives you a “zero look back” (ZLB) value. Your ZLB value is then applied to the DPMA Benefit Table. Your DPMA disability benefit will be between 22%-42% of your ZLB value. To determine your payout amount, use the DPMA benefit calculator.