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Old 12-23-2023, 07:54 AM
  #3951  
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Originally Posted by interceptorpilo
?? Once you run out of sick leave then you go on disability. Your pay goes to 50% as paid for by Delta disability. That is automatic. DPMA pays an additional 25% tax free immediately. Additionally you can get loss of license insurance from ALPA that will pay you additional amounts but they don’t kick in until one year on disability. DPMA fills that gap for up to one year per occurrence.
It's been awhile but I was under the impression that DPMA paid 50% so basically, for a year, you're not losing any pay.
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Old 12-23-2023, 07:59 AM
  #3952  
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Originally Posted by interceptorpilo
?? Once you run out of sick leave then you go on disability. Your pay goes to 50% as paid for by Delta disability. That is automatic. DPMA pays an additional 25% tax free once on disability. Additionally you can get loss of license insurance from ALPA that will pay you additional amounts but they don’t kick in until one year on disability. DPMA fills that gap for up to one year per occurrence.
yeah your right. I just got in from AKL and the neurons aren't firing very well yet.
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Old 12-23-2023, 08:00 AM
  #3953  
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Originally Posted by CBreezy
It's been awhile but I was under the impression that DPMA paid 50% so basically, for a year, you're not losing any pay.
It’s 25% of your highest 12 months in the last 36 including profit sharing but it is tax free so it comes close to 50% for most people. The only negative is that the next year your profit sharing will be lower (or 0) because time on disability doesn’t count as profit sharing time.
https://www.dpma.org/copy-of-faq
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Old 12-23-2023, 02:08 PM
  #3954  
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Originally Posted by sailingfun
In addition to tax free it's likely to be quite a bit more than 25% because it's based on your best consecutive 12 months in the previous 36 months including profit sharing and or retro. Add a green slip or two and it can easily be 40%.
THIS!

I actually took a pay CUT coming off disability and returning to NQAT while I awaited training.
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Old 12-23-2023, 03:57 PM
  #3955  
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Originally Posted by interceptorpilo
It’s 25% of your highest 12 months in the last 36 including profit sharing but it is tax free so it comes close to 50% for most people. The only negative is that the next year your profit sharing will be lower (or 0) because time on disability doesn’t count as profit sharing time.
https://www.dpma.org/copy-of-faq
Nor should it.
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Old 12-23-2023, 05:47 PM
  #3956  
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Originally Posted by JamesBond
Nor should it.
Thanks for the answer to an unasked question. JB trying to get his post count up?
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Old 12-23-2023, 05:58 PM
  #3957  
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Originally Posted by Khantahr
It's not as cut and dry as simply calculating the compounding of saving the monthly DMPA premium. DPMA pays out your full benefit from day 1, whereas if you're self insuring, you won't have that available until more than 20 years down the road. Also, if you do pull from your self insured funds, that ruins the compounding calculation after that.

There's certainly reason to run the math and decide if it's worth it on a case by case basis, but usually it will be worth it. If premiums rise, that could change.
Dont forget the death benefit. After my best friend ‘died suddenly’, it was a critical gap filler while all other bank accounts were AFU.
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Old 12-23-2023, 06:51 PM
  #3958  
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Originally Posted by interceptorpilo
Thanks for the answer to an unasked question. JB trying to get his post count up?
Yeah that's it. I'm the one obsessed with that.

And it wasn't an answer. It was a comment.
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Old 12-24-2023, 10:49 AM
  #3959  
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Sounds of the season: literally dozens of unsolicited inverse assignment phone calls coming in at all hours of the day the last couple of days. So many uncovered trips and getting multiple calls for the same trip throughout the day and night. Are people really changing their mind like "Hmm, thats the fourth call for this same trip. Ya know what, I do wanna miss Christmas with my family and go help Ed out." I've resorted to putting my phone in airplane mode at night so I can sleep.
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Old 12-24-2023, 10:58 AM
  #3960  
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Originally Posted by game
Sounds of the season: literally dozens of unsolicited inverse assignment phone calls coming in at all hours of the day the last couple of days. So many uncovered trips and getting multiple calls for the same trip throughout the day and night. Are people really changing their mind like "Hmm, thats the fourth call for this same trip. Ya know what, I do wanna miss Christmas with my family and go help Ed out." I've resorted to putting my phone in airplane mode at night so I can sleep.
I block the Delta VRU / scheduling numbers a few days before the holidays and then unblock them a couple days after. Problem solved.
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