Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2012
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
61
59
97
36
36
98
33
32
96
78
85
76
75
77
84
74
74
98
99
98
97
44
57
38
22
43
56
38
21
98
98
98
99
53
63
49
40
51
61
48
39
96
97
96
97
83
75
36
69
59
47
66
62
82
74
34
67
57
44
65
60
98
99
95
97
97
94
98
96
19
35
20
24
36
29
40
37
18
35
19
24
35
28
39
37
98
99
95
99
98
98
98
98
40
51
12
20
33
19
41
27
39
50
12
19
32
18
40
26
98
97
95
95
96
92
97
97
55
69
64
70
57
52
66
62
68
56
95
97
97
97
97
31
43
45
53
39
31
42
45
52
38
99
98
99
99
99
20
34
28
32
24
19
33
27
31
24
97
98
97
97
97
Full time .................................................................
Part time ................................................................
76
14
74
13
97
92
43
14
42
14
98
97
42
5
41
5
96
94
Union .....................................................................
Nonunion ...............................................................
85
56
84
55
98
97
46
35
46
34
99
98
35
33
34
32
97
96
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
26
12
63
74
84
87
24
11
61
73
83
86
92
89
97
98
99
99
17
14
35
45
51
54
17
13
34
44
50
53
95
96
97
99
99
99
8
2
30
42
58
60
7
2
29
40
56
58
95
95
96
96
96
97
Goods-producing industries ...................................
72
70
97
53
53
99
36
35
97
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
59
69
76
77
82
63
86
82
57
67
74
75
79
62
83
81
97
98
98
98
96
97
98
98
33
27
23
20
30
29
44
26
33
26
23
20
30
28
44
26
98
97
99
99
99
96
98
99
33
38
41
36
55
36
60
31
32
37
39
35
53
35
58
30
96
96
96
97
96
96
96
97
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2012—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
42
37
58
78
71
85
40
35
56
76
69
84
96
96
96
98
97
98
28
26
35
44
41
46
27
25
33
43
41
46
97
97
95
99
98
99
22
19
32
43
36
51
22
18
31
42
35
49
96
96
97
96
97
96
63
58
65
64
60
68
63
58
54
62
58
63
62
58
65
60
56
53
97
99
97
97
97
96
96
97
98
38
68
40
31
31
27
27
24
26
38
68
39
30
30
27
26
24
25
98
99
97
97
97
97
96
99
99
38
31
37
39
34
30
32
34
29
36
30
36
38
33
29
31
33
27
96
96
97
97
96
97
96
95
96
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes workers in the private nonfarm economy except those in private households,
and workers in the public sector, except the federal government. See Technical Note for
further explanation.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2012
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
5
5
6
9
95
95
94
91
9
2
9
10
6
9
6
8
91
98
91
90
94
91
94
92
9
7
5
5
4
91
93
95
95
96
Full time .................................................................
Part time ................................................................
6
6
94
94
Union .....................................................................
Nonunion ...............................................................
6
6
94
94
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
9
6
6
6
5
6
91
94
94
94
95
94
Goods-producing industries ...................................
5
95
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
6
6
9
9
3
2
10
94
94
91
91
97
98
90
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution not
required
7
8
6
6
6
5
93
92
94
94
94
95
10
4
6
4
6
13
7
7
4
90
96
94
96
94
87
93
93
96
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households,
and workers in the public sector, except the
federal government. See Technical Note for
further explanation.
2 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of
major plans, key provisions, and related terms,
see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2012
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
56
2
39
3
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
62
69
59
38
2
2
3
1
32
25
35
54
2
2
3
6
1
2
1
1
32
74
45
39
63
62
63
38
1
2
1
2
2
3
2
1
60
22
50
53
33
32
33
57
6
1
4
5
2
2
2
4
1
1
1
1
1
1
1
1
20
50
45
46
44
–
1
1
(2)
1
72
45
50
49
51
5
3
4
4
3
–
1
1
1
(2)
Full time .................................................................
Part time ................................................................
56
52
2
1
39
42
3
3
1
2
Union .....................................................................
Nonunion ...............................................................
35
61
1
2
55
35
8
1
1
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
45
29
53
55
61
63
1
–
1
2
3
3
51
67
42
40
32
30
2
–
2
3
3
2
(2)
–
1
1
1
1
Goods-producing industries ...................................
45
2
48
3
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
58
52
41
32
59
62
79
36
2
2
2
1
3
2
2
3
37
42
51
60
33
34
17
53
3
3
5
6
4
1
1
7
1
1
1
1
2
1
1
2
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
48
47
49
59
59
60
1
2
–
2
1
3
49
49
48
34
37
32
2
2
2
3
2
4
1
1
–
1
1
1
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
64
58
50
55
61
58
55
54
49
–
3
2
1
2
2
1
–
3
32
34
44
40
33
37
41
45
44
2
5
3
2
3
2
2
–
–
–
1
(2)
1
1
1
1
–
–
1 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
2 Less than 0.5.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
Geographic areas
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2012
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
59
13
23
4
1.4
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
(3)
–
56
56
56
49
12
11
13
24
26
27
25
24
5
6
5
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
–
–
–
1
–
(3)
–
1
2
47
71
60
56
65
75
60
56
27
10
16
–
9
8
10
15
24
15
21
19
22
13
25
24
2
–
2
8
4
–
4
3
1.4
1.3
1.3
1.5
1.3
1.2
1.4
1.4
1.5
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
1
–
–
54
56
60
55
66
12
16
16
15
18
27
23
21
27
14
–
3
2
–
–
1.4
1.4
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
59
70
13
9
24
15
4
6
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
1
61
59
18
12
15
25
5
4
1.3
1.4
1.0
1.0
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
64
77
64
59
56
53
13
–
12
12
13
13
20
6
21
24
25
27
–
–
2
4
5
6
1.3
1.1
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
1
51
14
29
5
1.4
1.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
1
1
1
–
2
1
1
–
61
61
47
44
52
69
73
57
12
14
22
28
15
10
11
19
23
21
27
27
27
18
13
17
4
3
3
1
4
2
2
–
1.4
1.3
1.4
1.4
1.4
1.3
1.2
1.4
1.0
1.0
1.5
1.5
–
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2012—Continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
–
–
1
–
1
57
61
49
61
62
59
12
10
14
13
11
14
25
21
32
23
23
23
6
–
–
3
–
3
1.4
1.4
1.5
1.3
1.3
1.3
1.0
1.0
–
1.0
1.0
1.0
1
1
–
–
–
–
–
–
1
62
55
57
53
61
53
62
73
61
13
17
13
15
12
9
11
10
9
20
20
26
24
24
33
24
15
24
5
6
–
–
–
–
–
–
5
1.4
1.4
1.4
1.5
1.3
1.5
1.3
1.2
1.4
1.0
1.0
1.0
–
1.0
–
1.0
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount.
3 Less than 0.5.
4 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 20. Life insurance plans: Maximum benefit amount, civilian workers,1 National Compensation
Survey, March 2012
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
72
$50,000
$50,000
$200,000
28
74
78
71
59
50,000
50,000
50,000
50,000
100,000
100,000
100,000
50,000
250,000
250,000
265,000
100,000
600,000
600,000
600,000
250,000
1,000,000
–
1,000,000
400,000
26
22
29
41
49
67
66
49
77
84
74
68
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
–
–
–
250,000
150,000
100,000
200,000
–
200,000
200,000
200,000
500,000
500,000
280,000
500,000
500,000
500,000
–
350,000
1,000,000
1,000,000
–
1,000,000
1,000,000
–
2,000,000
51
33
34
51
23
16
26
32
57
71
63
67
57
50,000
50,000
50,000
50,000
50,000
50,000
70,000
70,000
100,000
50,000
–
250,000
250,000
250,000
–
300,000
1,000,000
500,000
500,000
500,000
750,000
2,000,000
1,000,000
1,000,000
–
43
29
37
33
43
Full time .................................................................
Part time ................................................................
73
57
50,000
50,000
50,000
–
200,000
250,000
500,000
600,000
1,000,000
1,000,000
27
43
Union .....................................................................
Nonunion ...............................................................
53
75
50,000
50,000
50,000
50,000
150,000
245,000
400,000
500,000
1,000,000
1,000,000
47
25
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
66
72
74
72
73
75
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
70,000
100,000
100,000
–
–
150,000
200,000
300,000
300,000
500,000
–
500,000
500,000
750,000
750,000
–
–
1,000,000
1,000,000
–
–
34
28
26
28
27
25
Goods-producing industries ...................................
66
50,000
100,000
300,000
750,000
–
34
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
73
69
61
47
76
73
69
47
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
50,000
200,000
200,000
100,000
100,000
–
250,000
350,000
100,000
500,000
500,000
250,000
200,000
–
500,000
600,000
200,000
1,000,000
–
500,000
350,000
500,000
1,000,000
1,000,000
500,000
27
31
39
53
24
27
31
53
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amount, civilian workers,1 National Compensation
Survey, March 2012—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
77
77
76
71
76
66
$50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
$50,000
50,000
–
$200,000
200,000
200,000
245,000
200,000
280,000
77
73
63
64
72
81
77
76
75
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
100,000
–
–
–
50,000
50,000
50,000
200,000
200,000
250,000
300,000
250,000
–
250,000
–
200,000
75th
percentile
90th
percentile
$500,000 $1,000,000
500,000 1,000,000
500,000
–
500,000 1,000,000
500,000 1,000,000
1,000,000
–
With no
maximum
benefit
amount
23
23
24
29
24
34
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
500,000
500,000
500,000
600,000
500,000
500,000
750,000
500,000
500,000
–
1,000,000
1,000,000
1,000,000
1,500,000
1,000,000
1,000,000
1,000,000
1,000,000
23
27
37
36
28
19
23
24
25
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2012
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$30,000
$50,000
–
10,000
–
–
–
15,000
–
10,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
10,000
–
5,000
5,000
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
–
15,000
–
20,000
15,000
20,000
–
50,000
–
25,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
45,000
50,000
50,000
50,000
50,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
15,000
20,000
20,000
15,000
25,000
25,000
25,000
26,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
5,000
20,000
15,000
30,000
25,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
20,000
20,000
40,000
25,000
50,000
50,000
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
5,000
10,000
10,000
–
10,000
10,000
10,000
10,000
10,000
–
15,000
15,000
10,000
–
20,000
25,000
30,000
20,000
20,000
25,000
30,000
50,000
50,000
30,000
25,000
50,000
50,000
50,000
–
Goods-producing industries ...................................
10,000
10,000
20,000
30,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
5,000
–
5,000
–
5,000
5,000
10,000
10,000
10,000
10,000
–
10,000
10,000
10,000
20,000
20,000
20,000
21,000
20,000
15,000
20,000
20,000
30,000
40,000
40,000
46,000
30,000
25,000
–
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2012—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
10,000
10,000
5,000
10,000
5,000
$10,000
10,000
10,000
10,000
10,000
10,000
$15,000
20,000
15,000
20,000
20,000
20,000
$25,000
25,000
25,000
35,000
30,000
40,000
$50,000
50,000
50,000
50,000
50,000
50,000
5,000
5,000
10,000
10,000
10,000
10,000
5,000
10,000
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
25,000
20,000
20,000
20,000
15,000
–
20,000
20,000
–
50,000
30,000
27,500
25,000
–
25,000
40,000
–
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
3 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
4 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
44
36
–
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
49
50
48
44
51
34
43
46
48
46
41
35
37
33
–
29
–
31
34
31
36
41
–
–
–
14
–
34
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
30
48
40
40
40
42
40
45
49
39
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
45
36
–
–
13
44
–
–
Union .....................................................................
Nonunion ...............................................................
43
44
–
38
15
–
–
–
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
30
42
45
50
51
33
–
39
38
34
31
35
50
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ...................................
42
45
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
44
42
46
37
63
40
54
52
34
31
–
–
21
34
25
22
–
–
13
8
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured2
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Commercially
insured
Legally
required
Other
31
–
36
51
44
58
39
37
44
–
42
–
–
32
–
10
–
9
–
–
–
–
–
–
18
58
53
49
57
54
47
–
36
45
50
41
45
39
55
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 Employer assumes all risks and expenses of
providing the benefit.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
19
81
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
12
10
14
14
36
19
19
23
18
18
88
90
86
86
64
81
81
77
82
82
18
18
19
13
25
82
82
81
87
75
Full time .................................................................
Part time ................................................................
16
42
84
58
Union .....................................................................
Nonunion ...............................................................
20
18
80
82
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
41
49
19
16
13
13
59
51
81
84
87
87
Goods-producing industries ...................................
11
89
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
21
21
12
8
10
27
20
18
79
79
88
92
90
73
80
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2012—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution not
required
28
32
21
13
14
12
72
68
79
87
86
88
48
6
7
8
6
4
15
52
94
93
92
94
96
85
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
6
2
69
21
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
2
2
1
–
–
5
–
3
4
3
14
1
–
1
–
–
1
1
1
–
1
6
66
61
70
80
82
85
80
69
70
68
64
29
35
25
7
13
8
16
26
25
26
15
2
–
3
8
4
1
–
2
–
2
1
21
10
18
19
17
8
–
4
6
2
64
65
66
62
71
–
20
11
12
9
–
–
1
2
1
Full time .................................................................
Part time ................................................................
7
4
2
(2)
67
83
22
12
2
1
Union .....................................................................
Nonunion ...............................................................
18
4
6
1
60
71
13
23
3
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
6
2
8
8
4
2
–
–
1
2
2
1
82
93
73
68
63
62
9
6
17
21
29
32
–
–
2
2
2
3
Goods-producing industries ...................................
17
5
59
17
2
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
4
4
–
–
1
4
–
2
1
1
–
–
–
1
–
–
71
81
82
84
79
81
81
84
22
10
8
3
18
11
15
12
2
4
5
8
–
4
4
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
6
6
7
6
8
5
1
1
–
2
1
3
76
76
75
65
69
62
16
16
16
24
20
27
1
1
–
2
1
3
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
4
11
7
8
7
5
4
(2)
4
1
–
–
–
1
85
60
65
67
56
69
66
9
24
26
22
33
24
23
2
1
(2)
–
–
–
6
1 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
2 Less than 0.5.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
Geographic areas
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
91
12
21
26
26
26
9
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
90
92
88
82
92
94
91
92
89
93
92
12
12
12
12
12
13
12
12
12
12
13
20
18
21
22
21
26
22
18
13
21
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
–
26
26
26
26
36
10
8
12
18
8
6
9
8
11
7
8
97
88
92
92
91
13
13
13
13
13
24
24
25
24
25
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
3
12
8
8
9
Full time .................................................................
Part time ................................................................
91
95
12
–
21
26
26
26
26
26
26
–
9
5
Union .....................................................................
Nonunion ...............................................................
87
92
13
12
26
20
26
26
26
26
52
26
13
8
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
93
95
94
92
88
86
13
21
12
12
13
13
25
26
20
20
24
22
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
7
5
6
8
12
14
Goods-producing industries ...................................
92
13
25
26
26
26
8
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
91
90
83
76
91
94
90
88
12
13
13
13
–
12
13
–
21
22
22
22
26
20
21
24
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
26
26
52
52
26
26
26
52
9
10
17
24
9
6
10
12
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
94
94
93
90
92
88
12
12
12
13
12
13
18
24
13
22
18
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
6
7
10
8
12
93
87
94
93
92
24
13
12
12
12
26
20
18
–
18
26
26
26
26
26
26
26
26
26
26
26
–
–
26
26
7
13
6
7
8
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 69
percent
50 percent
1
21
2
36
26
15
63.1
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
2
–
–
1
–
1
–
19
19
19
30
20
30
40
20
18
20
18
2
–
2
5
1
–
–
2
–
2
–
39
40
38
24
51
30
31
36
39
35
39
20
17
22
17
18
34
22
27
27
27
27
19
21
18
25
8
4
6
14
13
14
13
64.2
64.5
64.0
65.7
60.2
60.1
59.0
63.1
63.1
63.1
62.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
1
–
17
18
18
17
19
–
–
1
2
–
33
44
36
40
32
34
23
27
27
28
12
14
16
13
19
62.3
62.0
64.1
62.2
66.3
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
19
31
2
–
38
24
24
36
16
7
63.4
61.1
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
20
21
5
1
26
39
33
24
15
14
63.4
63.1
60.0
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
–
27
31
19
21
19
19
–
–
2
2
2
–
30
24
39
38
37
34
35
40
28
24
22
21
6
3
12
15
20
23
60.9
60.4
62.7
62.9
64.8
65.8
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
2
15
1
40
24
18
63.9
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
1
1
–
–
–
2
2
–
22
26
34
40
24
21
21
28
2
4
7
4
12
2
3
–
36
35
22
24
20
43
49
33
26
21
13
12
10
26
18
30
14
14
25
19
34
7
7
6
63.0
61.9
64.6
61.3
69.9
60.3
59.7
60.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
1
–
–
1
1
1
24
25
23
18
13
23
1
–
–
2
1
3
33
30
41
38
45
32
30
34
22
23
24
22
10
9
13
17
16
19
61.8
61.7
62.0
64.0
63.9
64.2
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
–
2
35
12
19
–
9
7
13
–
–
–
–
–
–
10
12
49
50
53
54
51
40
44
20
10
8
15
19
22
6
17
19
–
19
21
13
61.2
63.5
63.4
66.3
65.5
65.5
62.8
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dash
indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
72
$170
$300
$561
$1,000
$2,080
28
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
69
71
68
69
60
82
72
73
74
72
73
170
170
170
170
170
170
170
170
170
170
170
500
500
500
500
–
200
170
250
230
250
–
700
917
692
692
572
546
559
561
559
561
559
1,500
1,750
1,500
850
1,250
572
–
1,150
1,000
1,150
1,000
2,350
2,500
2,309
1,662
2,423
1,300
2,500
2,308
2,885
2,308
–
31
29
32
31
40
18
28
27
26
28
27
74
72
69
69
69
170
170
170
170
170
500
–
250
250
–
546
561
515
515
500
600
1,000
750
1,000
572
–
1,800
1,500
–
1,250
26
28
31
31
31
Full time .................................................................
Part time ................................................................
71
84
170
170
340
170
572
–
1,155
561
2,308
650
29
16
Union .....................................................................
Nonunion ...............................................................
72
72
170
170
200
315
500
572
572
1,150
1,500
2,308
28
28
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
83
73
71
67
67
170
170
170
170
170
170
315
275
400
–
546
561
561
600
600
572
1,000
1,000
1,500
1,500
1,300
2,000
2,080
2,350
2,500
17
27
29
33
33
Goods-producing industries ...................................
66
170
300
550
1,000
2,000
34
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
74
68
64
67
57
70
59
71
170
170
170
185
170
170
170
135
300
–
–
500
185
385
385
200
561
572
692
692
572
561
–
572
1,000
1,000
831
831
1,039
1,000
1,250
–
2,307
2,000
1,500
–
1,500
2,307
2,423
1,662
26
32
36
33
43
30
41
29
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum weekly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
79
82
74
67
73
62
$170
170
170
170
170
170
–
–
$250
315
400
250
$546
546
524
577
700
572
$1,000
692
1,000
1,500
1,500
1,100
$1,662
1,500
2,000
2,309
2,310
2,308
21
18
26
33
27
38
89
50
69
67
64
69
76
170
200
300
250
275
–
170
170
350
550
–
500
–
476
524
700
1,000
1,000
–
–
–
572
1,250
1,500
–
–
2,300
2,000
750
2,300
2,423
2,800
2,000
3,000
2,350
11
50
31
33
36
31
24
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
9
91
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10
8
11
19
90
92
89
81
22
13
22
9
9
8
11
12
7
7
6
78
87
78
91
91
92
89
88
93
93
94
Full time .................................................................
10
90
Union .....................................................................
Nonunion ...............................................................
13
9
87
91
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
10
9
10
9
10
90
91
90
91
90
Goods-producing industries ...................................
9
91
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
10
12
17
21
12
8
9
16
90
88
83
79
88
92
91
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2012—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution not
required
7
6
7
11
9
12
93
94
93
89
91
88
5
9
11
9
9
7
9
7
95
91
89
91
91
93
91
93
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
94
4
1
1
95
94
96
96
4
5
3
2
1
1
(2)
1
(2)
(2)
(2)
1
96
98
95
94
94
91
95
89
–
2
4
6
5
9
4
6
2
–
–
–
(2)
–
1
3
–
–
–
–
1
–
1
2
88
90
90
88
92
8
6
3
3
3
–
2
5
7
2
–
2
2
2
3
Full time .................................................................
94
4
1
1
Union .....................................................................
Nonunion ...............................................................
85
96
6
4
6
(2)
3
(2)
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
95
95
94
93
94
4
3
4
4
5
–
1
2
1
1
–
1
1
1
(2)
Goods-producing industries ...................................
90
4
5
2
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
95
97
95
96
94
98
97
92
4
2
3
–
6
2
2
7
1
1
1
–
–
–
–
–
1
1
1
2
–
–
–
–
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2012—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
94
93
96
94
94
94
4
5
3
4
5
4
1
1
1
1
1
2
(2)
(2)
1
1
1
1
95
94
90
95
95
91
96
96
94
4
3
5
3
4
8
3
4
4
–
–
3
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 Less than 0.5.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical
Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2012
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
22
60
9
7
2
58.7
60.0
22
22
23
14
57
60
56
45
10
–
11
21
8
9
8
14
2
–
2
7
58.7
58.6
58.8
61.1
60.0
60.0
60.0
60.0
16
45
28
20
22
20
22
18
37
44
55
53
62
67
60
65
25
7
10
15
7
6
7
9
16
–
5
–
7
5
8
6
6
–
3
–
2
2
2
3
61.2
55.5
58.4
60.0
58.8
59.0
58.7
59.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
20
16
18
16
21
63
66
70
70
70
–
8
5
–
5
–
7
6
8
3
–
3
1
–
1
59.2
59.5
58.6
59.1
58.1
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
22
61
9
7
2
58.7
60.0
Union .....................................................................
Nonunion ...............................................................
28
21
47
62
10
8
9
7
6
1
59.1
58.7
60.0
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
20
22
21
23
24
64
62
61
58
58
7
9
9
9
9
6
6
7
8
7
3
1
2
2
2
59.3
58.6
58.9
58.6
58.4
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
19
69
–
7
–
58.7
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
23
25
13
16
10
34
45
18
59
53
48
36
64
57
49
47
9
11
21
26
13
–
2
21
7
–
12
15
–
4
–
11
2
–
6
6
–
–
–
3
58.7
58.7
61.1
61.4
60.6
56.7
55.0
60.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2012—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
18
17
18
24
16
30
66
68
62
58
68
51
6
6
7
10
8
11
9
8
11
7
7
–
2
2
2
2
2
–
59.3
59.2
59.4
58.5
59.2
58.0
60.0
60.0
60.0
60.0
60.0
60.0
–
23
28
16
21
21
21
20
23
70
61
59
58
60
67
67
54
55
6
5
5
–
15
5
4
14
12
7
11
6
10
3
–
7
–
9
–
1
2
–
1
–
2
–
1
59.3
59.1
58.1
60.3
58.2
58.4
58.3
59.4
58.9
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2012
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
82
$3,000
$5,000
$7,500
$10,000
$15,000
18
82
86
80
70
3,900
4,000
3,000
–
5,000
6,000
5,000
3,900
8,000
10,000
7,500
5,000
10,000
13,000
10,000
7,000
15,000
20,000
15,000
10,000
18
14
20
30
66
88
75
68
85
88
84
82
–
3,000
3,000
3,000
3,000
–
3,000
3,000
3,900
5,000
5,000
5,000
5,000
5,000
5,000
4,800
5,000
7,000
6,000
6,000
8,000
7,500
8,000
6,000
6,000
10,000
10,000
8,000
11,250
12,000
11,000
10,000
8,000
15,000
10,000
10,000
20,000
20,000
20,000
15,000
34
12
25
32
15
12
16
18
76
84
76
81
72
2,917
3,000
2,500
2,500
–
–
5,000
5,000
5,000
5,000
5,000
7,500
6,000
7,000
6,000
7,000
10,000
10,000
10,000
10,000
–
15,000
15,000
15,000
13,000
24
16
24
19
28
Full time .................................................................
82
3,000
5,000
7,500
10,000
15,000
18
Union .....................................................................
Nonunion ...............................................................
66
84
2,500
3,000
4,000
5,000
5,000
8,000
8,000
10,000
11,000
15,000
34
16
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
79
81
82
82
82
3,000
3,000
3,000
3,900
4,000
5,000
5,000
5,000
5,000
6,000
6,000
7,000
7,500
8,000
10,000
10,000
10,000
10,000
12,000
13,500
15,000
15,000
15,000
17,300
20,000
21
19
18
18
18
Goods-producing industries ...................................
82
2,917
5,000
7,000
10,000
15,000
18
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
82
80
72
67
79
86
89
63
3,000
3,000
–
–
–
3,000
–
–
5,000
5,000
3,900
3,900
5,000
5,000
5,000
–
7,500
6,000
5,000
5,000
7,000
6,600
7,000
5,000
10,000
10,000
7,500
6,000
10,000
10,000
10,000
6,000
15,000
12,500
10,000
8,000
13,000
15,000
15,000
9,000
18
20
28
33
21
14
11
37
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2012—Continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum monthly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
85
87
83
80
85
77
$3,000
3,000
3,500
3,000
3,333
2,917
$5,000
5,000
5,000
5,000
5,000
5,000
$7,500
7,500
7,000
7,500
7,500
8,000
$10,000
10,000
10,000
10,000
10,000
12,500
$15,000
15,000
13,890
15,000
15,000
17,300
15
13
17
20
15
23
92
85
73
71
85
86
77
83
4,167
2,500
3,000
3,500
3,000
3,000
3,000
3,500
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,000
6,000
7,000
7,500
7,500
8,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
–
10,000
15,000
15,000
15,000
–
15,000
15,000
20,000
17,300
8
15
27
29
15
14
23
17
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2012
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
57
56
97
39
38
98
33
32
96
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
78
85
74
29
46
57
47
64
59
77
85
73
27
43
55
44
63
56
99
99
98
94
94
96
94
98
96
52
62
47
20
27
37
29
42
38
51
60
47
19
27
36
28
42
38
98
98
98
94
100
98
98
98
98
60
67
56
10
12
33
19
42
25
57
65
54
9
12
31
18
41
24
96
97
96
96
94
96
92
97
97
50
67
63
70
56
47
64
61
68
54
95
96
97
97
96
32
44
46
53
40
31
43
46
52
40
98
98
99
99
99
16
33
28
32
24
15
33
27
31
24
97
97
97
97
97
Full time .................................................................
Part time ................................................................
73
13
71
12
97
92
47
15
46
14
98
97
43
5
41
4
96
94
Union .....................................................................
Nonunion ...............................................................
85
55
83
53
98
97
63
36
62
35
99
98
35
33
34
32
97
96
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
22
11
60
72
82
85
20
10
57
70
81
85
91
87
96
98
99
99
17
15
35
48
59
63
16
14
34
47
58
62
95
96
97
98
99
98
6
2
27
41
62
67
6
2
26
40
60
64
95
95
96
96
97
96
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
72
48
81
70
45
79
97
94
98
53
26
63
53
26
63
99
98
99
36
14
42
34
14
41
97
95
97
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
54
55
64
45
75
95
53
52
63
41
74
94
97
95
97
92
99
99
36
34
47
26
46
50
35
33
46
25
45
50
97
98
98
97
98
100
33
23
40
12
36
88
31
22
39
10
34
84
96
94
97
89
96
96
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2012—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
85
82
88
91
85
60
59
72
37
63
67
83
62
19
17
38
84
81
87
90
84
59
58
72
36
61
66
82
60
17
15
37
99
99
99
99
99
98
98
99
97
98
99
99
97
91
90
96
70
67
74
73
73
43
43
54
25
31
38
50
29
17
18
24
68
66
73
72
71
42
42
53
25
30
38
50
28
16
16
24
97
99
98
99
98
99
99
99
100
97
99
99
96
92
91
97
65
69
77
79
77
39
43
58
19
39
58
81
36
5
4
20
64
66
74
77
73
38
42
56
19
37
55
78
34
5
4
19
98
96
96
97
94
97
97
98
97
96
96
97
96
99
100
99
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
41
36
57
77
70
86
39
34
55
75
68
84
96
96
96
98
97
99
28
26
37
51
45
60
27
25
35
50
44
59
96
97
95
99
98
99
22
19
31
46
36
61
21
18
30
45
35
58
96
96
97
96
96
96
62
54
63
61
56
63
60
54
50
61
53
62
59
54
61
57
52
49
98
99
98
96
96
96
95
96
98
44
72
42
35
32
34
31
25
25
43
72
41
34
31
33
29
24
25
98
99
97
97
97
97
96
99
98
41
33
35
35
32
33
36
30
29
39
32
34
34
31
33
34
28
27
96
96
97
97
97
98
96
95
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
5
95
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
3
4
3
7
6
9
5
8
97
96
97
93
94
91
95
92
11
7
5
5
4
89
93
95
95
96
Full time .................................................................
5
95
Union .....................................................................
Nonunion ...............................................................
4
5
96
95
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
9
4
6
5
4
4
91
96
94
95
96
96
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
5
11
4
95
89
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Information .........................................................
5
7
7
9
2
95
93
93
91
98
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
4
4
4
4
6
5
3
8
3
6
4
2
96
96
96
96
94
95
97
92
97
94
96
98
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
8
6
4
5
3
93
92
94
96
95
97
4
4
5
4
5
7
7
8
5
96
96
95
96
95
93
93
92
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of
major plans, key provisions, and related terms,
see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2012
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
60
2
35
2
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
73
75
71
47
66
62
67
37
3
2
3
1
2
3
2
–
23
20
24
49
30
32
29
57
1
1
1
2
1
2
1
4
1
1
1
(1)
1
1
(1)
–
15
51
46
46
45
–
–
1
(1)
1
78
44
50
49
51
5
3
3
4
2
–
–
1
1
(1)
Full time .................................................................
60
2
35
2
1
Union .....................................................................
Nonunion ...............................................................
38
64
1
2
53
33
7
1
1
1
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
42
30
57
58
69
72
–
–
1
2
3
4
55
67
39
38
25
21
2
1
2
2
2
1
–
–
(1)
1
1
1
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
45
16
52
2
–
2
48
81
42
3
2
4
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
64
56
56
56
55
77
2
2
–
3
2
–
32
38
39
37
43
21
1
3
4
3
–
–
1
1
–
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
83
80
85
87
80
57
68
68
58
64
65
74
64
44
44
45
–
2
2
2
1
–
2
–
–
2
2
3
2
–
–
–
13
17
12
9
17
41
29
29
42
32
30
22
33
52
52
51
–
1
1
–
–
–
–
–
–
1
2
1
1
–
–
–
1
(1)
(1)
–
–
–
–
–
–
1
(1)
1
1
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
48
48
50
67
62
73
1
2
–
2
1
4
48
49
47
27
33
20
2
1
2
2
2
2
(1)
(1)
–
1
1
1
71
63
51
58
63
61
64
58
59
2
3
2
1
1
1
1
–
3
25
31
44
39
33
36
32
41
35
–
2
3
2
2
–
2
–
–
–
1
(1)
1
(1)
–
1
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2012
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
61
11
23
4
1.4
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
1
1
(2)
–
1
2
58
57
59
64
66
76
61
57
10
10
10
15
8
8
8
14
26
27
25
19
21
12
25
23
5
6
5
1
4
–
5
3
1.4
1.4
1.4
1.3
1.3
1.2
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
1
–
–
53
58
61
55
68
–
15
15
15
16
29
22
21
27
13
–
3
2
–
–
1.4
1.4
1.3
1.4
1.2
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
1
61
11
24
4
1.4
1.0
Union .....................................................................
Nonunion ...............................................................
2
1
65
61
10
11
18
24
4
4
1.3
1.4
1.0
1.0
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
68
84
66
60
58
55
12
–
11
11
11
10
18
6
20
24
25
28
–
–
2
4
5
6
1.3
1.1
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
1
–
1
51
66
51
14
–
15
29
–
28
5
–
5
1.4
1.3
1.4
1.0
1.0
1.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
–
63
68
46
83
65
54
10
11
22
7
10
3
22
17
24
8
23
30
4
3
–
–
–
–
1.3
1.3
1.5
1.1
1.3
1.6
1.0
1.0
1.5
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2012—Continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
1
–
5
1
–
–
–
60
64
64
65
62
56
53
55
56
68
57
60
70
74
80
38
10
–
–
–
3
–
13
11
–
10
17
17
9
–
–
–
19
24
24
21
31
–
30
27
24
18
17
16
19
–
–
47
11
6
7
9
4
–
4
7
–
3
–
3
2
–
–
–
1.4
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.3
1.3
1.3
1.3
1.3
1.2
1.1
1.5
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1
–
–
1
–
1
57
62
49
63
64
62
11
10
13
11
10
12
25
21
33
22
23
22
6
–
–
3
–
3
1.4
1.4
1.5
1.3
1.3
1.3
1.0
1.0
–
1.0
1.0
1.0
1
2
–
–
–
–
–
–
1
62
60
55
56
64
58
65
75
60
11
12
14
11
11
–
9
8
8
21
22
27
24
22
24
24
15
25
5
5
–
–
–
6
–
2
6
1.4
1.4
1.4
1.5
1.3
1.4
1.3
1.2
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 20. Life insurance plans: Maximum benefit amount, private industry workers, National
Compensation Survey, March 2012
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
76
$50,000
$60,000
$250,000
24
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
78
81
77
73
79
85
77
72
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
–
50,000
50,000
50,000
–
–
300,000
250,000
300,000
200,000
200,000
–
200,000
250,000
750,000
700,000
750,000
500,000
500,000
500,000
500,000
–
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,500,000
2,000,000
22
19
23
27
21
15
23
28
65
74
63
67
58
50,000
50,000
50,000
50,000
50,000
–
–
70,000
100,000
50,000
–
300,000
250,000
250,000
200,000
–
1,000,000
500,000
500,000
500,000
750,000
2,000,000
1,000,000
1,000,000
–
35
26
37
33
42
Full time .................................................................
77
50,000
–
250,000
500,000
1,000,000
23
Union .....................................................................
Nonunion ...............................................................
58
77
50,000
50,000
70,000
–
250,000
250,000
–
500,000
2,000,000
1,000,000
42
23
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
69
76
75
76
77
79
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
100,000
100,000
200,000
–
150,000
200,000
300,000
400,000
500,000
500,000
500,000
500,000
750,000
–
1,000,000
–
1,000,000
1,000,000
1,500,000
–
31
24
25
24
23
21
Goods-producing industries ...................................
Manufacturing ....................................................
67
66
50,000
50,000
100,000
100,000
300,000
300,000
750,000
–
–
–
33
34
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
77
74
78
80
63
53
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
–
245,000
100,000
200,000
50,000
–
–
500,000
500,000
500,000
–
–
750,000
1,000,000
750,000
1,000,000
750,000
500,000
1,000,000
23
26
22
20
37
47
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amount, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
– $2,000,000 $2,000,000
$250,000 1,000,000 2,000,000
250,000 1,000,000 2,000,000
300,000 1,000,000 2,000,000
– 1,000,000 1,000,000
300,000
750,000 1,000,000
300,000
600,000 1,000,000
300,000
–
–
250,000
500,000 1,000,000
200,000
400,000
500,000
200,000
–
–
250,000
500,000 1,000,000
200,000
400,000
500,000
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Other services ...................................................
68
84
83
88
71
78
86
65
76
82
80
75
77
$100,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
$100,000
100,000
100,000
100,000
–
–
–
–
50,000
50,000
–
–
32
16
17
12
29
22
14
35
24
18
20
25
23
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
78
79
78
75
79
71
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
–
50,000
100,000
200,000
200,000
220,000
250,000
200,000
400,000
500,000
500,000
500,000
700,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
2,000,000
22
21
22
25
21
29
79
79
66
69
80
77
79
76
75
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
–
–
–
–
–
50,000
200,000
200,000
250,000
250,000
250,000
300,000
250,000
250,000
245,000
500,000
500,000
600,000
700,000
–
600,000
750,000
–
500,000
–
1,000,000
1,000,000
1,000,000
1,500,000
–
–
1,000,000
1,000,000
21
21
34
31
20
23
21
24
25
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2012
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$25,000
$50,000
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10,000
10,000
10,000
–
10,000
–
10,000
10,000
15,000
15,000
15,000
10,000
10,000
10,000
–
10,000
25,000
25,000
25,000
–
20,000
15,000
20,000
–
50,000
50,000
50,000
20,000
25,000
–
25,000
25,000
50,000
50,000
–
40,000
50,000
50,000
50,000
50,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
15,000
17,000
20,000
15,000
25,000
25,000
25,000
26,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
10,000
10,000
20,000
25,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
15,000
20,000
32,000
25,000
50,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
–
15,000
10,000
15,000
20,000
25,000
–
20,000
15,000
25,000
27,000
50,000
50,000
25,000
25,000
50,000
50,000
50,000
100,000
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
10,000
10,000
–
10,000
–
20,000
–
20,000
30,000
25,000
30,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
10,000
–
10,000
5,000
–
10,000
10,000
10,000
15,000
10,000
10,000
10,000
15,000
15,000
25,000
10,000
15,000
–
25,000
25,000
–
20,000
–
20,000
50,000
50,000
50,000
30,000
50,000
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2012—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
$10,000
10,000
10,000
10,000
–
10,000
–
–
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
15,000
15,000
15,000
25,000
–
15,000
20,000
–
10,000
–
10,000
10,000
10,000
10,000
10,000
–
$25,000
–
–
50,000
15,000
25,000
25,000
–
15,000
25,000
20,000
15,000
–
–
15,000
–
$50,000
50,000
50,000
50,000
–
–
50,000
25,000
–
50,000
50,000
25,000
20,000
–
25,000
$50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
30,000
50,000
50,000
50,000
50,000
–
25,000
50,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10,000
10,000
10,000
–
10,000
–
10,000
10,000
10,000
10,000
10,000
10,000
15,000
–
15,000
20,000
20,000
20,000
25,000
25,000
25,000
30,000
25,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
10,000
10,000
25,000
20,000
–
–
20,000
15,000
20,000
20,000
15,000
50,000
40,000
25,000
25,000
25,000
25,000
25,000
–
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
43
38
–
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
48
49
48
29
–
46
48
46
40
37
38
36
–
42
35
31
37
42
–
–
–
40
34
–
–
–
–
–
–
–
–
–
–
–
–
–
27
48
40
40
40
45
40
45
49
39
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
44
35
40
–
–
47
–
–
Union .....................................................................
Nonunion ...............................................................
43
43
34
38
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
31
40
43
50
51
31
–
41
40
35
32
39
52
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
42
–
47
45
47
45
–
24
–
–
–
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Utilities ...........................................................
44
44
41
72
35
35
44
22
–
–
14
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Commercially
insured
Legally
required
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
64
61
69
71
67
–
37
31
33
39
46
58
38
30
32
–
26
27
24
23
28
47
44
54
42
35
31
28
35
–
–
43
–
–
–
–
5
35
–
–
–
–
–
–
–
41
39
41
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
31
–
36
52
44
59
39
37
44
36
43
29
–
33
–
–
–
–
–
–
–
–
–
–
–
59
51
48
58
56
40
23
38
48
50
41
43
45
58
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Employer assumes all risks and expenses of
providing the benefit.
2 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
19
81
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
13
10
15
40
20
23
18
18
87
90
85
60
80
77
82
82
19
18
19
13
26
81
82
81
87
74
Full time .................................................................
Part time ................................................................
16
45
84
55
Union .....................................................................
Nonunion ...............................................................
21
19
79
81
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
44
50
21
16
12
12
56
50
79
84
88
88
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
11
24
9
89
76
91
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Information .........................................................
22
24
15
19
78
76
85
81
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
11
7
5
7
15
9
33
26
19
13
28
42
42
47
89
93
95
93
85
91
67
74
81
87
72
58
58
53
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
29
32
22
13
13
12
71
68
78
87
87
88
49
5
8
7
6
3
17
51
95
92
93
94
97
83
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
7
2
67
23
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
2
1
5
–
3
4
3
15
1
–
1
1
–
1
–
1
7
64
59
67
85
80
68
70
67
62
32
37
29
8
–
27
25
28
15
2
–
2
1
–
1
–
2
1
23
10
18
18
17
9
–
4
6
–
61
64
65
62
70
–
20
11
12
9
–
–
1
2
–
Full time .................................................................
Part time ................................................................
7
4
2
(1)
66
83
24
12
2
1
Union .....................................................................
Nonunion ...............................................................
23
4
–
1
53
70
15
24
–
1
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
6
2
8
9
4
2
–
–
2
2
3
1
83
93
71
67
60
60
9
5
18
21
31
35
–
–
2
1
2
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
17
24
16
5
–
6
59
66
58
17
5
18
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Utilities ...........................................................
4
8
7
–
1
1
–
–
70
72
70
50
24
17
19
46
1
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
4
4
–
4
3
4
5
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
–
43
51
45
32
57
88
69
72
78
80
80
77
81
90
90
91
52
48
54
67
43
–
29
28
–
11
15
21
11
–
–
–
4
–
–
–
–
–
–
–
–
3
–
–
4
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
6
7
7
9
5
1
–
–
2
1
3
75
76
74
62
68
57
17
17
17
26
21
32
1
–
–
2
1
3
4
12
7
8
7
6
4
–
4
2
–
–
–
1
85
58
63
66
53
66
62
10
25
28
23
35
27
26
–
1
(1)
–
–
–
7
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
92
12
21
26
26
26
8
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
91
92
90
96
94
93
89
94
92
12
12
12
13
12
12
12
12
13
18
–
18
26
–
18
13
21
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
36
9
8
10
4
6
7
11
6
8
98
89
92
92
92
13
13
13
13
13
24
26
25
24
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
2
11
8
8
8
Full time .................................................................
Part time ................................................................
92
96
12
–
20
26
26
26
26
26
26
–
8
4
Union .....................................................................
Nonunion ...............................................................
90
92
13
12
26
18
26
26
26
26
52
26
10
8
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
95
96
94
93
90
88
13
24
12
12
13
13
26
26
18
18
22
21
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
5
4
6
7
10
12
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
92
98
91
13
13
13
25
24
26
26
26
26
26
26
26
26
26
26
8
2
9
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Information .........................................................
92
90
92
82
12
12
12
12
20
20
–
25
26
26
26
26
26
26
26
–
26
26
26
52
8
10
8
18
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality:
Accommodation and food services ................
92
92
91
91
94
93
93
94
94
92
94
12
13
13
12
12
12
12
12
13
13
12
20
21
21
18
–
13
13
22
24
26
22
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
8
8
9
9
6
7
7
6
6
8
6
100
–
26
26
26
52
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
94
94
93
91
93
89
12
12
12
13
12
13
18
24
13
24
16
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
6
7
9
7
11
95
90
94
92
89
92
–
13
12
12
12
12
26
20
–
–
13
18
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
5
10
6
8
11
8
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 69
percent
50 percent
1
19
1
37
27
15
63.4
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
–
1
–
1
–
16
17
16
29
45
19
18
20
17
1
–
1
–
–
2
–
2
–
41
41
42
29
–
36
39
35
40
21
18
24
36
–
27
27
27
28
19
23
17
4
5
14
13
15
12
64.8
65.4
64.4
60.1
58.7
63.3
63.2
63.3
62.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
1
–
14
18
18
17
19
–
–
1
2
–
35
43
36
40
32
36
23
28
26
29
10
14
16
13
19
61.7
62.1
64.2
62.2
66.5
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
18
30
1
–
39
25
25
37
16
7
63.7
61.4
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
2
1
20
19
3
1
20
40
37
25
17
14
64.4
63.3
66.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
–
28
33
17
19
17
18
–
–
1
1
1
–
29
25
38
39
39
36
36
40
30
25
22
22
5
2
12
15
21
23
60.6
60.0
63.1
63.3
64.9
66.0
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
2
–
1
14
21
13
1
–
2
40
28
41
24
38
23
18
6
20
64.0
60.4
64.5
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Utilities ...........................................................
1
–
–
–
20
19
17
5
1
–
–
–
37
33
40
–
27
28
28
41
14
18
14
48
63.3
65.5
64.2
77.3
60.0
60.0
60.0
67.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
2
–
–
2
–
–
–
19
19
14
22
8
–
14
9
–
22
27
26
21
38
36
24
–
–
–
–
2
–
–
–
–
1
–
–
2
–
–
7
32
30
29
27
36
–
46
53
32
39
24
24
42
30
31
24
26
24
25
31
17
22
30
26
44
24
15
12
26
28
–
31
22
25
31
18
37
–
8
11
–
12
33
37
7
5
4
–
63.6
65.8
68.2
64.3
69.3
58.7
62.5
63.8
60.8
61.9
69.0
71.4
60.2
59.5
59.7
59.8
60.0
60.0
66.0
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1
–
–
1
1
1
24
24
23
16
12
20
1
–
–
1
1
1
33
30
41
40
45
34
31
35
22
23
24
22
10
9
13
18
16
21
62.0
61.9
62.1
64.5
64.1
65.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
–
2
36
8
11
–
8
7
10
–
–
–
–
–
–
5
11
52
56
55
54
51
38
44
20
11
8
16
19
27
7
18
20
–
19
20
17
61.1
64.0
64.2
65.2
65.7
65.3
64.6
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dash
indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
72
$170
$300
$560
$1,000
$2,307
28
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
68
70
67
85
73
74
72
74
170
170
170
170
170
170
170
170
500
476
500
–
250
–
250
–
–
1,000
–
546
561
559
561
550
1,500
1,875
1,500
572
1,154
–
1,155
1,000
2,500
2,500
2,310
1,300
2,309
2,885
2,308
–
32
30
33
15
27
26
28
26
78
72
69
69
69
170
170
170
170
170
500
–
250
250
–
546
561
515
515
500
600
1,000
750
1,000
572
–
1,800
1,500
–
–
22
28
31
31
31
Full time .................................................................
Part time ................................................................
71
86
170
170
340
170
572
–
1,250
572
2,309
650
29
14
Union .....................................................................
Nonunion ...............................................................
68
73
170
170
200
315
500
561
572
1,153
1,250
2,308
32
27
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
85
73
71
67
67
170
170
170
170
170
170
315
275
500
–
524
559
561
600
600
572
1,000
1,000
1,500
1,730
1,000
2,000
2,300
2,500
2,500
15
27
29
33
33
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
66
84
62
170
170
170
300
260
300
546
546
546
1,000
–
1,000
2,000
1,500
2,000
34
16
38
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Information .........................................................
74
70
74
53
170
170
170
170
300
200
250
–
561
524
546
–
1,000
750
1,000
2,300
2,309
1,846
–
2,300
26
30
26
47
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Other services ...................................................
67
62
73
53
84
84
67
52
46
70
94
$170
170
170
–
170
–
170
170
170
170
170
–
–
–
–
$500
546
–
170
–
–
–
$1,000
1,000
1,155
–
–
1,000
561
561
575
561
559
$2,308
2,500
2,500
2,500
1,500
1,500
1,000
1,250
1,500
1,000
–
$3,456
3,456
–
3,000
2,350
2,080
2,307
1,500
1,500
2,308
–
33
38
27
47
16
16
33
48
54
30
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
80
82
75
67
74
58
170
170
170
170
170
170
–
–
250
350
396
270
546
546
524
577
700
572
1,000
750
1,000
1,500
1,500
1,385
1,700
1,500
2,000
2,400
2,310
2,500
20
18
25
33
26
42
89
53
67
70
64
67
75
170
200
250
250
–
–
–
170
350
500
–
500
–
523
524
650
1,000
1,000
–
–
–
572
1,250
1,500
–
–
2,300
2,300
–
2,300
2,500
3,000
2,000
3,002
2,350
11
47
33
30
36
33
25
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
8
92
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
8
7
8
11
8
9
7
10
92
93
92
89
92
91
93
90
6
12
7
7
6
94
88
93
93
94
Full time .................................................................
8
92
Union .....................................................................
Nonunion ...............................................................
9
8
91
92
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
7
8
9
7
8
93
92
91
93
92
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
9
10
9
91
90
91
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
8
8
6
10
6
20
92
92
94
90
94
80
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2012—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
3
7
6
5
9
8
6
8
8
9
8
97
93
94
95
91
92
94
92
92
91
92
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
6
6
9
7
10
94
94
94
91
93
90
5
9
5
9
10
6
9
7
95
91
95
91
90
94
91
93
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
94
4
1
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
95
94
96
95
94
91
95
87
4
5
3
3
5
9
3
7
(1)
–
–
–
(1)
–
1
3
(1)
–
–
–
1
–
1
2
83
89
90
88
92
–
6
3
3
3
6
2
5
7
2
–
3
2
2
3
Full time .................................................................
94
4
1
1
Union .....................................................................
Nonunion ...............................................................
77
96
9
4
9
(1)
5
(1)
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
81
96
94
93
94
5
–
3
4
5
6
–
–
1
2
1
–
–
–
1
1
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
90
89
90
4
–
2
5
5
5
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
95
89
94
79
97
76
4
9
3
19
–
24
(1)
1
–
–
–
–
(1)
2
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2012—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
91
94
94
91
95
97
97
98
98
98
96
96
98
100
100
95
9
5
6
8
4
–
3
2
–
2
2
3
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
94
94
96
94
94
93
4
5
3
4
5
4
1
1
1
2
1
2
(1)
(1)
1
1
1
1
95
94
91
94
95
92
95
95
95
5
3
4
3
4
7
4
4
5
–
–
4
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical
Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2012
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
23
64
6
6
1
58.3
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
24
23
25
30
22
20
23
17
62
62
62
60
63
67
62
70
6
6
6
7
6
6
6
6
7
9
6
2
7
5
7
4
1
1
1
1
2
2
2
3
58.1
58.4
58.0
57.5
58.6
58.9
58.5
59.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
18
17
18
16
21
73
69
71
71
71
–
6
–
–
4
–
5
6
8
–
–
3
–
–
–
59.3
59.1
58.5
59.2
57.8
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
23
64
6
6
1
58.3
60.0
Union .....................................................................
Nonunion ...............................................................
36
22
52
65
7
6
3
7
2
1
57.3
58.4
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
20
–
22
21
25
25
70
65
65
65
62
61
3
–
6
6
6
7
4
–
6
7
7
6
3
–
1
1
1
1
59.2
58.8
58.2
58.6
58.2
58.1
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
18
–
19
69
83
67
–
–
–
7
–
8
–
–
–
58.8
60.2
58.7
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
24
21
19
–
28
46
63
67
67
77
67
28
6
6
7
8
–
–
6
4
5
4
4
–
1
2
2
–
–
–
58.3
58.3
57.7
60.0
57.8
58.0
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
20
33
35
39
26
–
16
16
–
29
8
9
35
–
–
–
59
52
49
46
56
67
69
72
65
61
73
75
57
72
61
64
–
8
9
8
11
–
–
–
14
4
7
9
–
5
–
–
7
6
5
7
–
–
8
8
–
6
10
5
5
–
–
6
–
1
1
1
–
–
–
–
–
1
2
2
–
–
–
–
59.4
57.7
57.4
57.0
58.5
59.3
58.7
58.4
58.5
57.4
60.5
60.0
56.6
60.6
61.1
61.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
17
19
26
15
35
67
69
64
62
71
54
5
5
5
6
7
6
8
7
11
5
6
5
2
1
2
1
2
1
59.1
59.0
59.2
57.9
59.1
57.0
60.0
60.0
60.0
60.0
60.0
60.0
–
24
24
18
25
21
21
25
25
71
61
67
61
66
69
66
61
55
6
4
–
–
4
–
4
–
10
6
–
5
9
3
–
–
4
9
–
–
–
–
1
1
–
–
1
59.0
58.9
58.2
59.6
57.4
58.3
58.2
58.0
58.5
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2012
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
85
$3,333
$5,000
$8,000
$10,883
$15,000
15
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
86
88
85
81
88
90
88
85
5,000
5,000
4,286
3,000
3,000
–
3,000
3,000
6,000
6,000
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
8,000
7,500
9,000
7,500
10,000
6,667
12,500
14,167
11,000
10,000
12,000
12,000
12,000
10,000
17,500
20,000
15,000
12,500
20,000
20,000
20,000
15,000
14
12
15
19
12
10
12
15
86
85
76
80
71
2,917
–
2,500
2,500
–
–
5,000
5,000
5,000
5,000
5,000
9,000
6,000
7,000
6,000
–
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
15,000
14
15
24
20
29
Full time .................................................................
85
3,333
5,000
8,000
10,500
15,000
15
Union .....................................................................
Nonunion ...............................................................
71
86
2,500
4,000
4,000
5,000
5,000
8,333
10,000
11,250
15,000
15,500
29
14
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
82
83
86
86
85
3,000
3,000
3,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
7,500
8,000
10,000
10,000
10,000
10,000
10,000
12,500
15,000
15,000
15,000
15,000
20,000
20,000
18
17
14
14
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
83
96
80
2,917
4,000
3,000
5,000
5,000
5,000
7,000
6,000
7,500
10,000
10,000
10,000
15,000
15,000
15,000
17
4
20
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
86
79
87
91
65
60
4,000
3,000
–
–
–
5,000
5,000
5,000
5,000
–
5,000
8,000
8,300
7,000
7,000
5,000
8,000
10,000
11,000
10,000
10,000
10,000
–
15,000
17,300
15,000
15,000
10,000
15,000
23,077
14
21
13
9
35
40
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2012—Continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality:
Accommodation and food services ................
84
90
89
88
88
85
91
89
88
88
89
$4,000
3,000
3,000
2,500
5,000
5,000
5,000
–
4,000
4,500
3,000
$5,000
6,500
7,500
6,250
–
6,000
6,000
5,000
5,000
5,000
5,000
$9,340
10,000
12,000
10,833
10,500
10,000
10,000
7,000
7,000
7,500
7,000
$12,000
20,000
20,833
20,833
15,000
10,000
10,000
10,000
10,000
10,000
10,000
–
$25,000
30,000
30,000
25,000
17,300
–
15,000
14,000
15,000
15,000
16
10
11
12
12
15
9
11
12
12
11
61
–
7,560
10,000
10,000
–
39
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
86
87
85
84
88
81
3,500
–
4,000
3,098
4,000
3,000
5,000
5,000
5,000
5,000
5,000
5,000
7,560
8,000
7,500
9,500
7,500
10,000
10,000
10,000
10,000
12,500
10,000
15,000
15,000
15,000
13,890
20,000
15,000
20,000
14
13
15
16
12
19
92
86
80
76
87
86
87
4,500
3,000
3,000
4,000
3,500
4,000
4,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
7,500
7,000
10,000
8,000
7,500
10,000
10,000
12,000
10,000
12,000
10,500
10,000
13,000
15,000
15,000
15,000
20,833
15,000
15,000
18,000
8
14
20
24
13
14
13
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2012
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
79
77
98
23
22
99
35
34
96
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
80
79
78
78
77
76
97
97
97
22
20
18
21
20
18
99
99
98
38
37
37
36
36
36
96
96
97
85
75
86
79
79
90
77
84
74
85
77
77
89
76
98
98
99
98
98
99
99
18
23
22
25
25
27
21
17
22
22
24
25
27
21
98
98
99
99
99
100
99
39
26
26
35
35
44
30
38
25
25
34
34
44
28
98
95
96
97
97
99
94
Full time .................................................................
Part time ................................................................
90
22
88
21
98
95
25
11
24
11
99
99
39
11
38
10
96
94
Union .....................................................................
Nonunion ...............................................................
86
73
84
71
98
97
27
19
27
19
98
99
34
36
33
34
97
96
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
62
48
83
84
88
90
60
46
81
83
86
86
98
96
98
98
97
96
18
13
25
25
24
28
18
13
25
24
23
28
99
100
98
98
99
100
27
20
35
38
40
36
26
19
34
36
39
35
96
98
97
96
97
97
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
79
79
79
78
81
79
89
82
77
77
77
76
77
76
86
81
98
97
97
98
94
97
96
98
22
20
19
19
19
27
25
26
22
20
19
19
18
26
24
26
99
98
99
99
98
98
97
99
35
37
36
35
40
40
46
31
33
35
35
34
38
38
45
30
96
96
96
97
94
97
98
97
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
61
59
65
82
74
84
60
57
64
80
73
82
98
97
98
98
98
98
19
20
17
23
18
25
19
20
17
23
18
24
99
98
100
99
98
99
35
28
47
35
34
35
34
27
44
34
33
34
96
97
94
96
98
96
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
85
77
81
76
96
98
26
21
26
21
98
99
36
34
34
33
95
97
73
84
79
79
83
84
76
80
72
68
83
75
79
81
79
75
79
71
93
99
95
99
98
94
98
99
99
7
43
23
13
26
–
10
18
30
7
43
23
13
25
–
10
18
29
100
100
97
100
97
–
100
100
100
17
18
50
58
43
20
15
64
30
16
17
48
57
41
–
15
61
30
97
98
96
98
95
–
94
95
99
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Dash indicates no workers in this category or data did not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
10
90
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
10
11
10
90
89
90
9
11
10
9
9
7
7
91
89
90
91
91
93
93
Full time .................................................................
Part time ................................................................
10
9
90
91
Union .....................................................................
Nonunion ...............................................................
9
12
91
88
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
11
9
11
10
12
89
91
89
90
88
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
10
10
10
9
13
12
10
90
90
90
91
87
88
90
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
9
8
10
10
10
91
92
90
90
90
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
15
8
85
92
40
7
15
5
8
7
2
2
60
93
85
95
92
93
98
98
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of
major plans, key provisions, and related terms,
see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2012
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
37
2
53
6
2
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
36
36
33
2
2
1
55
55
59
6
6
7
2
1
1
30
39
38
39
39
40
36
1
2
3
2
2
–
2
62
51
51
51
51
52
50
7
7
6
7
6
4
–
1
1
1
2
2
–
–
Full time .................................................................
Part time ................................................................
38
30
2
–
53
62
6
5
1
–
Union .....................................................................
Nonunion ...............................................................
33
42
2
2
57
50
8
4
1
2
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
38
45
40
39
33
36
1
–
1
2
2
2
55
49
50
49
58
57
5
3
6
8
6
5
2
–
2
2
1
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
37
37
35
30
50
51
49
36
2
1
1
1
–
–
–
3
53
55
56
61
40
45
47
53
6
6
6
6
5
–
–
7
1
1
1
1
–
–
–
2
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
33
33
33
38
38
38
–
–
–
2
–
2
58
54
63
53
56
52
–
5
–
7
4
7
5
–
–
1
–
1
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2012—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
State government ..................................................
Local government ..................................................
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
42
35
2
2
47
56
5
7
4
1
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
24
38
45
47
53
51
19
35
14
–
–
–
–
2
–
–
–
–
64
46
49
46
33
–
78
61
78
–
14
5
5
7
–
2
–
4
–
–
–
–
5
–
–
–
–
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Geographic areas
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2012
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
–
48
23
25
–
1.4
1.5
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
47
47
45
24
24
25
26
26
27
–
3
4
1.4
1.4
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
47
50
56
51
50
49
40
27
19
12
22
23
22
34
24
24
22
24
24
24
22
2
6
–
2
2
–
–
1.4
1.5
1.5
1.4
1.4
1.4
1.5
–
–
1.0
–
–
–
1.5
Full time .................................................................
Part time ................................................................
–
–
48
54
23
29
25
–
–
–
1.5
1.3
1.5
–
Union .....................................................................
Nonunion ...............................................................
–
–
56
42
28
19
11
36
–
–
1.4
1.5
1.0
1.5
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
47
43
50
52
43
42
23
19
21
20
28
27
29
–
26
24
22
21
1
–
3
–
–
–
1.4
1.5
1.4
1.4
1.5
1.5
1.5
1.5
–
–
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
48
46
43
43
44
61
62
57
23
23
23
28
–
20
–
19
25
29
31
28
–
–
–
17
–
2
3
1
5
–
–
–
1.4
1.5
1.5
1.4
1.5
1.4
1.4
1.4
1.5
1.5
1.5
1.5
–
1.0
1.0
1.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
47
52
48
45
49
–
–
23
25
22
–
23
26
23
26
6
–
–
7
–
1.4
1.4
1.4
1.5
1.4
–
–
1.5
1.5
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2012—Continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
State government ..................................................
Local government ..................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
–
–
47
48
19
25
–
23
4
–
1.5
1.4
1.5
1.3
–
–
–
–
–
–
–
–
–
26
68
37
50
34
64
76
33
51
11
–
16
–
–
–
–
8
17
–
32
–
–
–
–
15
4
–
2
–
–
–
1.4
1.7
1.3
1.5
1.5
1.5
1.2
1.2
–
1.5
1.0
1.5
–
1.5
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 20. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2012
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
50
$50,000
$50,000
$100,000
$250,000
$450,000
50
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
51
51
48
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
–
–
–
–
400,000
400,000
350,000
49
49
52
42
51
47
47
47
45
48
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
100,000
100,000
100,000
–
100,000
100,000
250,000
250,000
–
–
–
200,000
–
500,000
–
500,000
500,000
–
450,000
58
49
53
53
53
55
52
Full time .................................................................
Part time ................................................................
50
39
50,000
50,000
50,000
50,000
100,000
–
250,000
–
450,000
–
50
61
Union .....................................................................
Nonunion ...............................................................
46
53
40,000
50,000
50,000
50,000
–
100,000
–
250,000
400,000
500,000
54
47
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
54
57
52
49
46
50
50,000
50,000
50,000
50,000
50,000
–
50,000
–
50,000
50,000
50,000
50,000
100,000
100,000
100,000
100,000
100,000
–
150,000
–
–
250,000
250,000
–
500,000
–
400,000
450,000
400,000
400,000
46
43
48
51
54
50
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
51
53
52
42
73
56
61
47
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
50,000
100,000
100,000
100,000
–
100,000
–
–
100,000
250,000
–
–
144,000
–
–
400,000
200,000
450,000
400,000
400,000
250,000
–
–
–
500,000
49
47
48
58
27
44
39
53
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
40
36
51
48
52
50,000
–
50,000
50,000
50,000
100,000
–
50,000
50,000
50,000
–
–
100,000
100,000
100,000
200,000
250,000
250,000
–
–
–
–
500,000
350,000
500,000
60
64
49
52
48
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
56
47
–
$50,000
$50,000
50,000
–
$100,000
–
$200,000
$500,000
400,000
44
53
34
45
46
38
54
71
–
50,000
–
50,000
50,000
–
40,000
50,000
–
50,000
50,000
50,000
50,000
–
400,000
200,000
–
–
100,000
–
500,000
250,000
250,000
–
–
–
–
–
–
–
66
55
54
62
46
29
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2012
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
$10,000
$20,000
$40,000
$50,000
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
5,000
5,000
–
10,000
10,000
10,000
20,000
20,000
25,000
40,000
40,000
50,000
50,000
50,000
50,000
–
5,000
5,000
5,000
5,000
5,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
–
30,000
25,000
25,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
5,000
10,000
15,000
20,000
20,000
40,000
50,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
5,000
10,000
10,000
25,000
–
50,000
25,000
50,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
–
20,000
20,000
20,000
20,000
25,000
–
25,000
25,000
30,000
30,000
50,000
50,000
50,000
46,000
50,000
50,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
–
10,000
10,000
10,000
20,000
20,000
20,000
–
–
20,000
20,000
20,000
40,000
40,000
40,000
50,000
25,000
30,000
–
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
5,000
–
5,000
5,000
–
5,000
10,000
–
10,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
30,000
30,000
–
40,000
–
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2012—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
State government ..................................................
Local government ..................................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
–
$5,000
10,000
$20,000
20,000
$25,000
40,000
$50,000
50,000
5,000
5,000
15,000
10,000
–
5,000
10,000
5,000
5,000
–
20,000
15,000
10,000
10,000
15,000
10,000
5,000
40,000
30,000
20,000
–
–
20,000
25,000
20,000
50,000
50,000
–
25,000
20,000
40,000
50,000
50,000
50,000
50,000
50,000
30,000
–
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
50
–
8
–
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
51
49
48
–
–
–
9
10
10
–
–
–
43
53
59
46
45
54
43
–
–
–
–
–
–
–
–
7
–
6
7
–
5
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
50
51
–
–
8
13
–
–
Union .....................................................................
Nonunion ...............................................................
44
58
–
–
13
2
–
–
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
47
47
57
49
49
48
–
–
–
–
–
–
3
3
6
8
13
14
–
–
–
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
50
48
46
39
70
61
59
52
–
–
–
–
–
–
–
–
8
8
8
5
15
10
–
9
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
52
58
50
46
51
–
–
–
–
–
–
–
9
11
8
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
State government ..................................................
Local government ..................................................
Commercially
insured
Legally
required
Other
82
38
–
–
12
6
–
–
24
44
54
62
49
77
–
–
–
–
–
–
26
–
–
–
–
6
–
–
–
–
–
–
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Employer assumes all risks and expenses of
providing the benefit.
2 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
13
87
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
11
11
9
16
19
15
16
15
8
89
89
91
84
81
85
84
85
92
Full time .................................................................
Part time ................................................................
13
8
87
92
Union .....................................................................
Nonunion ...............................................................
16
9
84
91
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
11
7
12
12
15
16
89
93
88
88
85
84
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
13
11
8
7
6
26
20
18
87
89
92
93
94
74
80
82
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
13
21
11
87
79
89
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
14
12
86
88
–
31
18
–
5
100
69
82
100
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West South Central ...............................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
–
–
84
9
4
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
–
–
–
84
83
78
7
6
4
6
6
11
–
2
–
–
–
–
–
–
–
–
–
–
–
–
74
84
79
84
83
88
74
2
–
–
11
11
7
–
15
–
–
3
4
–
–
Full time .................................................................
Part time ................................................................
–
–
–
–
84
81
8
9
4
–
Union .....................................................................
Nonunion ...............................................................
5
–
1
–
80
89
8
9
6
2
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
3
–
–
–
–
–
–
–
–
–
91
90
80
85
80
73
3
–
14
9
7
8
3
–
–
1
9
16
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
84
84
84
83
83
83
90
84
9
6
5
3
13
13
10
12
4
7
7
8
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
3
–
–
–
–
–
(2)
92
89
98
83
84
82
–
–
–
9
11
9
–
–
–
4
–
5
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
State government ..................................................
Local government ..................................................
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
–
–
–
–
81
85
18
5
–
6
–
4
3
–
–
–
–
–
–
–
–
–
–
–
–
–
100
83
76
85
83
91
95
85
–
–
17
–
–
–
–
9
–
11
–
–
–
–
–
4
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
2 Less than 0.5.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2012
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
83
13
22
26
26
52
17
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
82
80
77
–
–
–
22
22
22
26
26
26
–
–
52
52
52
52
18
20
23
76
86
88
81
80
89
78
–
–
–
–
–
13
–
22
24
25
22
21
22
22
26
26
26
26
26
26
26
52
26
26
26
26
26
–
52
52
52
52
–
52
52
24
14
12
19
20
11
22
Full time .................................................................
Part time ................................................................
83
80
13
20
22
26
26
26
26
26
52
–
17
20
Union .....................................................................
Nonunion ...............................................................
78
89
–
13
24
21
26
26
26
–
52
52
22
11
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
83
89
83
79
69
–
–
–
–
20
21
24
24
22
25
26
26
26
26
26
–
26
–
26
26
52
52
52
52
52
17
11
17
21
31
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Public administration .........................................
83
80
77
73
89
93
88
13
–
20
–
25
13
–
22
22
22
22
26
20
24
26
26
26
26
26
26
26
26
–
–
52
26
26
26
52
52
52
52
52
–
52
17
20
23
27
11
7
12
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
82
86
81
–
12
–
22
20
24
26
26
26
26
26
26
52
52
52
18
14
19
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
State government ..................................................
Local government ..................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
94
79
–
13
25
22
26
26
26
26
52
52
6
21
79
56
88
95
26
–
13
22
26
20
–
22
26
26
24
–
26
52
26
52
26
52
–
52
21
44
12
5
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
31
7
30
19
13
61.2
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
33
33
39
8
8
7
28
25
22
14
15
10
16
18
23
61.4
62.4
63.2
60.0
60.0
60.0
–
–
–
–
–
–
–
45
31
36
24
24
28
36
4
4
–
8
8
–
–
17
34
36
32
32
34
27
10
24
21
28
27
–
–
24
6
6
8
9
–
–
62.5
60.2
59.3
61.1
61.2
63.5
60.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
30
46
6
17
32
–
19
21
13
–
61.5
57.7
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
21
43
7
6
36
25
26
11
11
15
61.7
60.6
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
37
42
32
31
27
29
5
5
9
4
9
12
31
28
30
34
27
25
16
14
20
22
18
15
12
–
10
10
19
19
60.2
60.1
60.4
60.4
63.2
62.2
60.0
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
31
34
38
41
21
17
18
28
7
10
10
5
29
9
15
–
30
25
21
23
–
45
48
33
19
13
11
12
8
24
–
30
13
18
20
18
–
–
–
6
61.2
62.1
62.4
61.0
67.7
60.8
60.2
60.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
39
54
–
30
30
30
–
–
–
8
–
9
43
33
60
29
41
26
–
–
–
19
17
20
–
–
–
15
–
16
57.2
55.5
60.0
61.7
60.3
62.1
60.0
50.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
–
19
36
15
3
41
26
–
21
–
13
62.6
60.7
60.0
60.0
–
–
–
–
–
–
21
46
59
–
–
22
3
–
–
–
–
29
22
27
22
56
46
44
50
–
3
–
–
–
4
–
16
–
–
–
61.8
59.2
59.0
63.3
66.7
57.0
67.0
60.0
50.0
60.0
60.0
58.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dash
indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2012
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
70
$170
–
$600
$831
$1,662
30
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
72
71
72
170
170
170
$500
–
500
692
692
692
917
831
831
2,000
2,000
2,000
28
29
28
68
67
61
72
72
63
58
170
135
135
185
185
135
170
500
200
200
–
–
–
–
692
513
450
559
559
572
550
–
692
692
–
–
692
–
2,000
1,500
–
1,662
1,662
1,500
1,000
32
33
39
28
28
37
42
Full time .................................................................
Part time ................................................................
71
59
170
135
–
185
692
200
850
500
1,662
769
29
41
Union .....................................................................
Nonunion ...............................................................
78
62
135
450
200
625
500
692
831
917
1,662
2,000
22
38
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
65
60
71
76
68
67
200
–
170
170
135
170
476
500
200
–
200
–
692
692
550
692
572
598
750
–
692
–
961
917
1,500
2,000
1,662
1,662
2,000
–
35
40
29
24
32
33
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
70
69
70
69
64
64
71
170
185
185
200
135
170
135
–
500
500
500
–
–
200
600
692
692
692
572
–
572
833
831
831
831
–
1,500
–
1,662
2,000
–
–
2,000
2,000
1,662
30
31
30
31
36
36
29
1 to 99 workers ......................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
68
70
58
73
–
170
170
170
450
200
500
200
692
598
692
572
–
831
1,500
831
1,662
1,662
2,310
1,662
32
30
42
27
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2012—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
79
67
$135
185
$185
–
$572
692
–
$850
$1,662
–
21
33
85
25
79
81
170
500
500
135
200
600
692
135
476
1,000
692
–
572
–
692
–
831
2,000
2,000
1,662
15
75
21
19
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
19
20
22
81
80
78
24
17
19
17
18
76
83
81
83
82
Full time .................................................................
Part time ................................................................
18
21
82
79
Union .....................................................................
Nonunion ...............................................................
17
18
83
82
Average wage within the following categories:1
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
14
15
20
20
86
85
80
80
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Public administration .........................................
18
20
21
23
16
16
82
80
79
77
84
84
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
19
18
82
81
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2012—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
19
17
81
83
9
38
5
52
7
91
62
95
48
93
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2012
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
94
4
1
1
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
94
94
95
3
3
2
1
1
2
1
1
2
95
94
93
93
93
98
94
–
5
7
5
6
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
94
92
4
–
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
94
94
3
5
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
93
97
94
94
95
95
6
–
5
5
1
–
–
–
–
–
2
2
–
–
–
–
2
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
94
94
94
96
91
94
94
92
4
3
3
–
–
–
–
7
1
1
1
2
–
–
–
–
1
1
2
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
91
86
96
95
95
95
5
–
–
4
3
4
4
7
–
1
–
–
–
–
–
1
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March
2012—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
86
97
–
1
2
–
–
–
100
95
87
96
98
86
100
98
91
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
–
–
–
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical
Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2012
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
17
41
23
–
–
60.8
60.0
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
15
16
16
39
37
35
27
27
27
–
–
–
–
–
–
61.1
61.1
61.2
60.0
60.0
60.0
16
22
20
17
18
19
19
32
45
49
47
45
41
55
28
17
15
18
18
23
–
16
10
–
–
–
–
–
7
7
–
–
–
–
–
61.3
60.4
60.4
60.4
60.4
60.3
60.8
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
16
41
42
22
24
10
–
–
–
–
60.9
59.3
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
21
14
42
41
–
32
16
–
–
–
60.7
60.9
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
19
18
16
–
19
22
39
39
42
42
42
43
26
25
25
25
20
17
12
–
–
13
13
–
4
–
–
–
7
–
60.6
60.7
60.8
61.6
60.3
59.2
60.0
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
17
17
16
17
12
23
25
18
42
39
36
32
48
53
49
47
23
25
27
30
19
–
–
21
–
–
–
15
–
–
–
11
–
–
–
6
–
–
–
3
60.9
61.0
61.4
61.4
61.3
58.1
58.1
60.3
60.0
60.0
60.0
62.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
17
22
16
38
28
47
42
43
42
–
31
–
23
16
25
14
–
–
–
14
–
7
–
–
–
5
–
61.9
62.6
61.3
60.6
60.1
60.8
60.0
65.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2012—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
11
19
45
40
26
23
–
13
–
5
61.6
60.5
60.0
60.0
11
49
–
7
–
–
–
14
59
19
48
35
55
78
35
53
–
–
–
55
–
–
–
20
20
12
–
–
–
–
34
–
–
–
–
–
–
–
–
–
61.1
57.5
62.3
61.4
59.1
59.5
63.7
60.9
60.0
60.0
60.0
62.0
60.0
60.0
66.0
60.0
67 percent
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2012
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
64
–
$3,900
$5,000
$6,000
$9,000
36
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
66
64
64
–
–
–
3,900
3,900
3,900
5,000
5,000
5,000
6,000
6,000
6,000
8,000
8,000
8,000
34
36
36
61
62
62
58
59
64
77
–
–
–
–
–
–
–
3,500
3,900
4,500
–
3,000
3,900
3,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,250
7,000
7,500
6,000
6,000
6,000
7,000
8,000
10,000
10,000
9,000
9,000
7,500
10,000
39
38
38
42
41
36
23
Full time .................................................................
Part time ................................................................
65
49
–
–
3,900
–
5,000
5,000
6,000
6,000
9,000
8,100
35
51
Union .....................................................................
Nonunion ...............................................................
62
67
$2,000
–
3,500
3,900
5,000
5,000
6,000
6,000
9,000
9,000
38
33
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
60
55
64
65
67
69
–
–
–
–
–
2,500
3,900
3,900
–
3,900
4,000
4,400
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,000
6,000
6,000
6,000
7,000
8,000
10,000
9,000
9,400
9,400
8,000
40
45
36
35
33
31
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Public administration .........................................
64
63
64
63
58
63
–
–
–
–
800
–
3,900
3,900
3,900
3,500
4,000
–
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
6,000
5,500
7,000
6,000
9,000
8,000
8,000
8,000
8,000
9,000
36
37
36
37
42
37
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
65
74
57
64
59
66
–
–
3,000
–
–
–
3,900
3,900
4,000
3,900
3,900
3,900
5,000
3,900
5,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
6,000
7,000
7,000
–
9,500
9,100
10,000
35
26
43
36
41
34
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2012—Continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
59
66
–
–
–
$3,900
$5,000
5,000
$7,000
6,000
$10,000
9,000
41
34
77
44
58
80
44
62
–
$3,000
3,000
800
–
3,000
3,000
4,500
4,400
–
5,000
5,000
5,000
5,250
5,000
3,900
5,000
5,000
7,000
7,000
5,000
5,000
7,000
6,000
7,500
10,000
–
8,000
10,000
10,000
23
56
42
20
56
38
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20112012.htm.