Table 17. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2011
(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
35
98
33
31
96
78
85
75
75
76
84
74
73
98
98
98
98
42
56
38
22
42
54
37
21
98
98
98
99
52
62
48
40
50
60
46
38
96
96
96
97
82
72
38
72
60
48
66
61
81
71
36
69
57
45
65
59
98
98
95
96
96
92
97
96
20
35
21
23
35
29
39
35
20
35
20
23
35
28
39
34
99
99
94
98
98
98
98
98
40
51
14
22
32
20
39
25
39
49
13
21
31
19
38
24
98
97
95
95
96
92
96
97
53
68
65
71
59
51
66
63
69
57
96
97
97
97
97
29
42
45
52
38
28
41
44
51
37
98
98
98
99
98
18
32
27
31
24
17
31
26
30
23
97
98
96
96
96
Full time .................................................................
Part time ................................................................
76
15
74
14
97
91
42
14
42
14
98
97
41
7
39
6
96
94
Union .....................................................................
Nonunion ...............................................................
85
57
83
55
98
96
47
34
46
33
99
97
35
32
34
31
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 ........................................
28
15
64
75
83
87
26
14
62
73
82
85
92
91
96
97
98
98
17
13
36
44
49
52
16
13
35
43
48
51
95
93
97
98
99
99
9
4
29
41
56
59
8
3
28
39
54
56
93
95
95
96
96
96
Goods-producing industries ...................................
72
70
97
51
50
99
35
33
96
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
59
69
77
77
83
63
85
82
57
67
75
75
80
61
84
80
97
97
98
98
96
97
98
98
33
27
23
20
30
30
45
27
32
26
23
20
30
29
44
27
97
98
99
99
99
97
98
98
32
37
40
35
53
35
61
31
31
35
39
35
51
33
59
29
96
95
96
98
95
94
95
96
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. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2011—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
38
55
78
70
85
40
36
54
76
68
84
96
95
97
97
96
98
27
24
34
44
40
47
26
23
33
43
39
46
97
96
98
98
98
98
21
18
30
43
36
50
20
17
29
41
34
48
96
96
97
96
96
96
60
60
66
63
61
69
61
61
55
58
59
63
61
59
66
58
58
53
97
99
96
97
97
96
95
95
97
35
67
39
27
31
29
25
25
26
35
67
38
27
30
28
24
24
26
99
99
96
98
96
96
96
98
99
35
30
37
35
33
33
30
33
29
34
29
36
34
32
32
29
32
28
96
97
96
97
95
97
95
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/glossary20102011.htm.
Table 18. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2011
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
6
5
6
9
94
95
94
91
9
3
9
10
6
8
6
9
91
97
91
90
94
92
94
91
10
7
5
5
5
90
93
95
95
95
Full time .................................................................
Part time ................................................................
6
4
94
96
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 ........................................
10
11
6
6
5
6
90
89
94
94
95
94
Goods-producing industries ...................................
5
95
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
7
6
9
9
3
3
10
93
94
91
91
97
97
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 18. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2011—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
7
7
6
6
6
93
93
93
94
94
94
8
4
7
5
7
14
6
7
4
92
96
93
95
93
86
94
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/glossary20102011.htm.
Table 19. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2011
(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
55
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 ..................
61
68
57
38
3
3
3
2
33
25
36
55
2
2
3
5
1
2
1
1
31
70
44
39
62
62
63
38
1
2
2
2
2
3
2
1
62
26
49
52
33
33
33
56
6
–
4
5
2
2
2
4
1
–
1
2
1
1
1
1
21
51
45
44
46
1
1
1
1
1
71
44
49
49
49
5
4
4
5
3
1
1
1
2
1
Full time .................................................................
Part time ................................................................
55
51
2
1
39
45
3
2
1
1
Union .....................................................................
Nonunion ...............................................................
37
59
1
2
54
35
8
2
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 ........................................
46
38
54
54
59
61
1
–
2
2
3
4
50
54
42
40
33
32
3
6
2
3
3
2
(3)
–
1
1
1
1
Goods-producing industries ...................................
44
2
49
4
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
57
51
40
31
59
61
78
40
2
2
2
1
4
3
3
3
37
42
52
61
33
34
17
49
3
3
5
6
4
2
–
7
1
1
1
1
1
1
–
2
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2011—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
45
45
46
59
59
59
2
2
–
2
1
3
51
51
50
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 ....................................................................
60
56
52
55
62
56
54
49
46
3
2
2
2
2
–
1
1
3
33
36
42
40
31
36
41
48
47
–
5
4
3
3
4
2
–
–
–
1
(3)
(3)
2
–
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 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.
3 Less than 0.5 percent.
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/glossary20102011.htm.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2011
(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
58
15
23
4
1.4
1.0
1
1
1
–
54
54
55
47
15
15
15
25
25
26
25
25
5
5
5
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
1.5
–
–
1
–
(3)
–
(3)
2
47
69
56
54
63
73
59
59
28
11
20
20
12
10
12
14
23
15
20
18
21
14
24
23
2
–
3
8
4
–
5
3
1.4
1.3
1.3
1.5
1.3
1.2
1.4
1.3
–
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
1
–
1
55
61
58
53
64
12
14
17
16
19
29
21
22
28
15
–
3
2
–
2
1.4
1.3
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
57
66
15
12
23
16
4
6
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
1
62
57
17
14
15
24
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
59
61
58
54
50
15
–
15
15
14
15
19
–
21
22
26
28
–
–
2
5
5
6
1.3
1.4
1.3
1.4
1.4
1.5
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
1
49
15
29
6
1.4
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
1
1
1
–
3
1
1
–
59
60
47
43
51
67
72
54
15
17
23
29
15
13
12
24
22
20
26
26
27
16
12
17
4
3
3
1
4
3
3
–
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
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: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2011—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
(3)
1
(3)
1
56
56
55
59
61
57
14
13
17
15
14
16
24
24
23
22
22
23
6
7
4
3
3
3
1.4
1.4
1.4
1.4
1.3
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1
2
–
–
–
–
–
–
1
64
52
57
51
59
50
59
71
60
12
21
13
17
15
18
12
12
11
17
18
25
25
23
29
26
15
22
5
6
–
–
–
3
–
–
5
1.3
1.4
1.4
1.4
1.3
1.4
1.4
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 percent.
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/glossary20102011.htm.
Table 21. Life insurance plans: Maximum benefit amount, civilian workers,1 National Compensation
Survey, March 2011
(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
69
$50,000
$50,000
$200,000
31
69
73
67
58
50,000
50,000
–
50,000
100,000
100,000
–
50,000
250,000
250,000
–
100,000
600,000
700,000
–
250,000
1,000,000
1,100,000
–
500,000
31
27
33
42
48
67
62
47
74
81
71
66
–
50,000
50,000
50,000
50,000
–
50,000
50,000
–
50,000
50,000
50,000
50,000
–
50,000
70,000
–
250,000
150,000
140,000
200,000
–
225,000
200,000
–
550,000
500,000
280,000
500,000
–
600,000
500,000
–
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
2,000,000
52
33
38
53
26
19
29
34
60
68
62
64
60
–
50,000
50,000
50,000
50,000
–
70,000
70,000
100,000
50,000
–
250,000
200,000
250,000
125,000
–
1,000,000
500,000
500,000
450,000
–
2,000,000
1,000,000
1,000,000
1,000,000
40
32
38
36
40
Full time .................................................................
Part time ................................................................
70
52
50,000
50,000
50,000
100,000
200,000
300,000
500,000
650,000
1,000,000
1,000,000
30
48
Union .....................................................................
Nonunion ...............................................................
52
71
–
50,000
–
50,000
–
225,000
–
500,000
–
1,000,000
48
29
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 ........................................
61
59
72
69
68
71
50,000
–
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
100,000
100,000
125,000
–
150,000
200,000
300,000
300,000
500,000
–
500,000
500,000
750,000
750,000
1,000,000
–
1,000,000
1,000,000
1,500,000
1,100,000
39
41
28
31
32
29
Goods-producing industries ...................................
63
50,000
100,000
300,000
750,000
2,000,000
37
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
70
65
60
47
75
69
69
43
50,000
50,000
50,000
40,000
–
50,000
–
50,000
50,000
50,000
50,000
50,000
–
50,000
–
50,000
200,000
150,000
100,000
100,000
–
200,000
–
100,000
500,000
500,000
250,000
175,000
–
500,000
–
200,000
1,000,000
1,000,000
500,000
300,000
–
1,000,000
–
500,000
30
35
40
53
25
31
31
57
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: Maximum benefit amount, civilian workers,1 National Compensation
Survey, March 2011—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)
73
73
71
67
71
64
$50,000
50,000
–
50,000
50,000
50,000
$50,000
50,000
–
50,000
50,000
70,000
$200,000
245,000
–
200,000
150,000
250,000
74
67
60
67
66
81
75
72
73
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
–
50,000
50,000
50,000
50,000
50,000
200,000
200,000
200,000
–
250,000
100,000
250,000
200,000
200,000
75th
percentile
90th
percentile
$500,000 $1,000,000
500,000 1,000,000
–
–
500,000 1,000,000
500,000 1,000,000
1,000,000 1,500,000
With no
maximum
benefit
amount
27
27
29
33
29
36
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
600,000
–
500,000
500,000
750,000
750,000
500,000
750,000
1,000,000
1,000,000
–
1,500,000
1,000,000
1,000,000
1,000,000
1,000,000
26
33
40
33
34
19
25
28
27
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/glossary20102011.htm.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2011
(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
$6,000
$10,000
$20,000
$28,000
$50,000
5,000
10,000
5,000
10,000
10,000
10,000
20,000
20,000
20,000
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 ...................................................................
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
5,000
5,000
6,000
5,000
9,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
15,000
15,000
20,000
15,000
20,000
20,000
50,000
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
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
15,000
15,000
18,000
15,000
25,000
25,000
25,000
25,000
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
10,000
30,000
20,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
20,000
15,000
40,000
25,000
50,000
50,000
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
5,000
10,000
6,000
6,000
10,000
10,000
10,000
10,000
15,000
15,000
10,000
15,000
25,000
30,000
20,000
20,000
25,000
50,000
50,000
30,000
25,000
50,000
50,000
50,000
Goods-producing industries ...................................
10,000
10,000
20,000
25,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
15,000
15,000
20,000
30,000
35,000
45,000
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2011—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
7,000
5,000
$10,000
10,000
10,000
10,000
10,000
10,000
$15,000
15,000
15,000
20,000
20,000
20,000
$25,000
25,000
25,000
31,217
25,000
40,000
$50,000
50,000
50,000
50,000
50,000
50,000
5,000
10,000
10,000
10,000
10,000
5,000
10,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
15,000
15,000
15,000
20,000
15,000
50,000
30,000
30,000
25,000
25,000
20,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
40,000
50,000
50,000
Geographic areas
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/glossary20102011.htm.
Table 23. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2011
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
46
34
16
4
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
50
51
49
50
34
48
49
52
47
40
33
37
31
32
29
30
32
28
34
38
13
11
14
–
32
17
17
18
16
14
4
2
5
–
5
6
2
2
3
8
27
49
45
47
43
41
36
39
40
37
18
11
12
10
15
14
3
3
3
4
Full time .................................................................
Part time ................................................................
47
36
36
15
13
45
4
3
Union .....................................................................
Nonunion ...............................................................
45
46
27
36
16
16
12
2
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 ........................................
33
29
46
45
51
52
32
20
36
36
31
30
34
50
15
14
13
13
2
1
3
5
4
5
Goods-producing industries ...................................
47
39
10
4
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
46
41
46
34
65
38
54
53
32
33
26
29
20
36
26
21
18
18
12
11
13
22
15
8
4
8
16
26
2
4
5
17
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2011—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
33
32
36
53
46
59
37
35
40
32
39
27
28
31
22
10
13
8
2
2
3
5
3
6
18
62
59
54
56
59
60
51
21
33
37
42
43
39
38
37
55
–
–
–
–
–
–
10
5
5
4
3
–
2
–
3
Geographic areas
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 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/glossary20102011.htm.
Table 24. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2011
(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 ....................................
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 ..................
14
11
15
15
35
18
19
23
17
20
86
89
85
85
65
82
81
77
83
80
19
21
18
15
22
81
79
82
85
78
Full time .................................................................
Part time ................................................................
17
39
83
61
Union .....................................................................
Nonunion ...............................................................
19
19
81
81
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 ........................................
39
54
19
16
14
13
61
46
81
84
86
87
Goods-producing industries ...................................
13
87
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
21
21
12
12
9
25
19
17
79
79
88
88
91
75
81
83
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2011—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
29
31
25
14
16
12
71
69
75
86
84
88
47
7
8
8
7
5
12
53
93
92
92
93
95
88
Geographic areas
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 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/glossary20102011.htm.
Table 25. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2011
(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
68
21
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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
2
–
3
–
3
3
3
15
1
(2)
1
–
1
1
1
1
1
6
67
61
70
78
84
83
67
68
66
63
28
35
25
15
9
13
27
27
27
14
3
1
4
5
2
–
2
1
3
1
20
12
20
20
19
–
5
5
7
3
64
63
64
61
69
8
19
10
12
9
–
1
1
1
1
Full time .................................................................
Part time ................................................................
7
4
2
1
67
80
22
14
2
1
Union .....................................................................
Nonunion ...............................................................
17
4
6
1
59
70
15
23
3
2
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
3
9
9
4
2
2
–
2
2
2
1
81
90
71
67
62
61
10
5
17
21
29
33
2
–
2
1
3
3
Goods-producing industries ...................................
18
6
58
16
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
4
3
–
5
2
2
–
2
1
1
–
–
–
1
–
–
71
79
82
83
79
77
81
86
22
12
9
–
18
13
13
11
2
6
5
8
–
7
5
–
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2011—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
7
7
8
7
8
5
1
2
–
2
2
3
74
73
77
65
70
61
16
17
14
24
19
27
1
1
–
3
1
4
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
4
12
11
7
9
8
4
3
(2)
4
–
2
–
2
–
1
83
58
61
64
72
54
65
67
11
24
23
25
14
32
29
24
2
1
–
1
–
4
–
5
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 percent.
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/glossary20102011.htm.
Table 26. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2011
(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
90
13
24
26
26
26
10
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
89
91
88
92
94
91
89
85
91
91
13
13
13
12
13
–
12
12
13
–
22
21
23
21
26
–
20
13
21
–
26
26
26
26
26
–
26
26
26
–
26
26
26
26
26
–
26
26
26
–
26
26
26
26
26
–
26
26
26
–
11
9
12
8
6
9
11
15
9
9
96
88
91
91
91
–
13
13
13
13
–
26
26
26
26
–
26
26
26
26
–
26
26
26
26
–
52
26
26
26
4
12
9
9
9
Full time .................................................................
Part time ................................................................
90
93
13
20
22
26
26
26
26
26
26
26
10
7
Union .....................................................................
Nonunion ...............................................................
86
91
18
12
26
21
26
26
26
26
52
26
14
9
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 ........................................
91
94
92
92
87
85
13
–
13
13
13
13
25
–
21
23
25
25
26
–
26
26
26
26
26
–
26
26
26
26
26
–
26
26
26
26
9
6
8
8
13
15
Goods-producing industries ...................................
92
13
26
26
26
26
8
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
90
90
83
76
91
94
91
88
13
13
18
20
18
13
13
–
22
24
24
22
26
24
20
–
26
26
26
26
26
26
26
–
26
26
26
52
26
26
26
–
26
26
52
52
26
26
26
–
10
10
17
24
9
6
9
12
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2011—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
92
91
92
89
91
88
12
12
12
13
12
13
20
24
13
24
20
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
8
9
8
11
9
12
93
86
89
93
92
90
82
89
25
13
12
12
12
13
12
12
26
21
13
20
13
20
13
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
7
14
11
7
8
10
18
11
Geographic areas
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
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/glossary20102011.htm.
Table 27. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2011
(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
22
2
33
26
15
63.4
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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
–
1
–
20
20
21
18
35
36
21
21
21
22
3
–
3
3
2
1
2
–
2
–
34
38
32
49
27
37
34
37
33
33
22
16
25
20
29
–
26
25
27
33
20
24
19
8
5
7
16
15
16
10
64.7
64.9
64.6
60.4
59.4
59.8
63.6
63.4
63.7
62.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
2
–
20
23
18
17
18
–
–
1
1
–
30
34
36
40
32
37
30
27
27
28
8
12
16
12
21
61.7
62.5
64.5
62.0
67.3
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
20
39
2
–
35
17
25
33
16
8
63.7
60.7
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
21
23
5
1
25
35
34
24
13
16
63.4
63.4
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
–
33
46
21
21
20
19
–
–
2
2
2
–
26
17
37
37
31
30
31
33
27
24
24
23
7
3
12
15
23
25
60.3
58.4
62.6
63.2
65.7
66.6
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
2
15
1
38
26
18
64.4
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
1
1
–
–
–
2
2
–
24
27
33
42
23
24
20
26
2
5
8
4
15
2
3
4
32
32
22
21
20
37
46
36
26
22
13
15
9
27
21
28
15
13
24
18
33
7
8
7
63.2
61.9
64.6
61.2
69.3
60.2
60.2
60.7
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 27. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2011—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
2
1
27
27
27
20
16
24
1
–
–
3
1
4
30
28
33
35
39
32
31
33
26
23
26
20
11
10
13
18
17
19
62.1
62.0
62.1
64.2
64.3
64.1
60.0
60.0
60.0
60.0
60.0
60.0
–
1
–
–
–
–
–
–
38
13
8
21
–
9
7
12
–
1
–
–
–
–
–
–
10
46
40
48
50
51
49
35
44
21
22
11
5
16
15
23
6
19
27
19
–
22
24
16
60.9
64.6
66.5
63.7
63.0
66.0
66.1
64.0
66.0
60.0
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 .................................................
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/glossary20102011.htm.
Table 28. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2011
(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
71
$170
$250
$546
$1,000
$2,000
29
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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
68
69
63
82
70
71
72
70
71
170
170
170
170
170
–
170
170
170
170
381
476
350
300
170
–
200
170
201
300
650
750
577
561
524
–
546
546
546
546
1,385
1,500
1,154
1,250
750
–
1,000
1,000
1,000
1,000
2,310
2,500
2,308
2,423
1,500
–
2,300
2,500
2,000
1,500
31
32
31
37
18
30
29
28
30
29
77
67
69
70
66
–
170
170
170
170
–
265
250
250
300
–
546
515
515
524
–
1,000
750
1,000
577
–
1,500
1,500
1,500
1,385
23
33
31
30
34
Full time .................................................................
Part time ................................................................
70
81
170
170
300
170
559
315
1,000
559
2,300
561
30
19
Union .....................................................................
Nonunion ...............................................................
73
71
170
170
200
300
500
559
559
1,000
1,500
2,307
27
29
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
82
72
71
67
67
170
170
170
170
170
170
300
300
260
250
524
546
559
559
559
561
1,000
1,000
1,155
1,500
1,500
2,000
2,000
2,308
2,400
18
28
29
33
33
Goods-producing industries ...................................
65
170
300
524
1,000
1,500
35
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
73
71
66
72
60
74
60
71
170
170
170
170
170
–
170
135
250
300
450
500
185
–
385
200
559
559
692
692
559
–
581
546
1,000
1,000
831
831
1,000
–
1,250
917
2,080
1,780
1,500
1,500
1,500
–
2,423
1,662
27
29
34
28
40
26
40
29
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2011—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
78
80
72
68
71
65
–
$170
170
170
170
170
–
$170
170
315
350
249
–
$546
524
559
559
559
–
$750
1,000
1,167
1,250
1,155
–
$1,500
1,662
2,308
2,308
2,308
22
20
28
32
29
35
90
48
52
69
70
58
61
74
170
245
250
300
–
280
315
135
170
350
350
577
–
500
600
201
500
560
515
1,000
–
692
1,000
546
559
1,039
1,250
1,500
–
1,500
2,300
1,662
561
2,000
2,000
2,500
–
2,000
3,363
2,326
10
52
48
31
30
42
39
26
Geographic areas
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
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/glossary20102011.htm.
Table 29. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2011
(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 ........................................
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 ..................
10
9
10
17
90
91
90
83
20
8
11
17
9
10
9
10
80
92
89
83
91
90
91
90
8
11
8
8
7
92
89
92
92
93
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 ........................................
8
10
10
9
10
92
90
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
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
10
12
17
20
12
9
9
16
90
88
83
80
88
91
91
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2011—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
8
5
10
8
12
93
92
95
90
92
88
5
8
13
5
8
8
10
8
95
92
87
95
92
92
90
92
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/glossary20102011.htm.
Table 30. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2011
(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
93
5
1
1
94
93
95
95
5
6
4
2
1
1
(2)
1
(2)
(2)
(2)
1
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 ..................
96
97
95
94
93
91
94
91
–
3
4
5
6
9
5
5
–
–
1
–
1
–
1
3
2
–
(2)
–
(2)
–
(2)
1
91
91
88
86
91
4
5
4
4
4
4
2
5
7
2
1
1
3
2
3
Full time .................................................................
93
5
1
1
Union .....................................................................
Nonunion ...............................................................
85
95
6
5
6
(2)
3
(2)
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 ........................................
95
93
94
93
92
93
4
–
5
5
5
6
1
–
1
1
2
1
1
–
(2)
1
1
(2)
Goods-producing industries ...................................
90
4
5
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
94
96
95
96
93
97
97
93
5
3
3
–
7
3
3
6
1
1
1
–
–
–
–
–
1
1
1
2
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2011—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
93
92
94
93
94
93
5
6
4
5
5
5
1
1
1
1
1
2
(2)
(2)
1
1
(2)
1
95
95
88
94
96
91
92
95
93
4
3
7
4
3
7
6
4
5
1
1
3
–
–
–
1
–
1
(2)
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 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 percent.
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/glossary20102011.htm.
Table 31. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2011
(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
21
60
9
7
2
59.0
60.0
21
19
21
14
58
63
55
42
11
9
12
22
8
8
8
15
2
1
3
7
59.1
59.2
59.1
61.5
60.0
60.0
60.0
60.0
15
40
31
20
19
18
19
19
37
49
52
50
64
65
63
64
24
7
8
18
8
8
8
9
16
–
6
–
7
6
7
6
7
–
3
–
2
3
2
2
61.7
56.0
58.4
60.2
59.3
59.7
59.2
59.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
19
20
19
17
21
67
62
70
69
70
8
9
5
6
4
–
7
5
6
4
–
3
2
2
1
59.3
59.2
58.6
59.0
58.1
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
21
61
9
7
2
59.0
60.0
Union .....................................................................
Nonunion ...............................................................
26
20
47
63
9
9
11
6
7
2
59.6
59.0
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 ........................................
25
21
20
21
21
59
62
62
59
58
6
9
9
10
11
7
6
7
8
8
3
2
2
3
2
59.2
58.8
59.1
59.1
59.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
19
68
6
6
1
58.8
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
21
23
13
15
11
31
40
19
59
53
47
36
63
59
54
46
10
12
21
26
14
–
3
22
7
–
13
16
–
5
–
11
2
–
7
7
–
–
–
2
59.1
59.0
61.4
61.8
60.6
57.0
55.7
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 31. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2011—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
16
16
16
23
16
28
66
67
65
58
65
53
7
7
5
11
9
12
9
8
11
6
7
–
3
2
3
2
2
–
59.8
59.6
60.0
58.7
59.4
58.2
60.0
60.0
60.0
60.0
60.0
60.0
12
18
27
17
18
–
18
19
24
67
67
58
59
61
55
69
54
53
7
5
5
11
16
6
5
14
12
11
8
6
–
3
4
6
12
9
2
2
3
–
1
–
2
1
1
60.4
59.4
58.4
60.1
58.9
57.4
58.7
59.6
59.1
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/glossary20102011.htm.
Table 32. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2011
(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
80
$3,000
$5,000
$7,500
$10,000
$15,000
20
81
84
79
70
3,250
4,000
3,000
2,000
5,000
5,000
5,000
3,900
7,500
10,000
7,000
5,000
10,000
12,250
10,000
7,000
15,000
17,300
15,000
10,000
19
16
21
30
65
85
76
69
83
87
82
81
1,500
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
5,000
5,000
5,000
5,000
5,000
5,000
4,000
5,000
7,000
7,000
6,000
8,000
7,500
8,000
5,000
6,000
10,000
10,000
10,000
10,000
12,000
10,000
10,000
8,000
15,000
10,500
10,000
20,000
20,000
17,000
15,000
35
15
24
31
17
13
18
19
78
82
76
80
71
2,500
3,000
2,500
2,500
2,500
5,000
4,000
5,000
5,000
5,000
5,000
6,000
6,000
7,000
5,000
8,333
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
11,500
22
18
24
20
29
Full time .................................................................
81
3,000
5,000
7,500
10,000
15,000
19
Union .....................................................................
Nonunion ...............................................................
66
83
2,500
3,000
4,000
5,000
5,000
7,500
8,000
10,000
10,000
15,000
34
17
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
80
80
82
79
81
3,000
3,000
3,000
3,500
3,900
5,000
5,000
5,000
5,000
5,000
7,000
6,000
7,500
8,000
9,100
10,000
10,000
10,000
11,000
12,500
15,000
15,000
15,000
15,000
20,000
20
20
18
21
19
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
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
80
78
71
67
80
84
87
62
3,000
2,500
2,000
–
3,600
3,000
3,000
–
5,000
5,000
3,900
–
5,000
5,000
5,000
–
7,500
6,000
5,000
–
7,000
6,000
7,000
–
10,000
10,000
7,500
–
10,000
10,000
10,000
–
15,000
12,000
10,000
–
13,000
15,000
15,000
–
20
22
29
33
20
16
13
38
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 32. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2011—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
83
83
82
79
83
76
$3,000
3,000
3,000
3,000
3,000
3,000
$5,000
5,000
5,000
5,000
5,000
5,000
$7,000
7,500
6,000
7,500
7,000
8,000
$10,000
10,000
10,000
10,000
10,000
12,000
$15,000
15,000
13,890
15,000
15,000
16,000
17
17
18
21
17
24
87
84
72
75
82
88
85
74
82
4,000
3,000
3,000
3,000
3,000
3,000
3,000
4,000
4,000
5,000
5,000
5,000
5,000
4,000
5,000
5,000
5,000
5,000
7,500
7,000
6,000
6,000
6,667
8,000
8,000
7,500
9,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
12,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
20,000
17,300
13
16
28
25
18
12
15
26
18
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
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/glossary20102011.htm.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2011
(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
58
56
97
38
37
98
32
31
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 ..................
77
85
73
31
54
58
48
64
58
76
84
72
29
49
55
44
62
55
98
99
98
94
90
96
92
97
96
51
60
47
21
23
36
29
41
36
50
59
46
19
23
36
28
40
35
98
98
98
93
99
98
98
98
98
58
66
54
11
13
32
20
40
23
56
64
52
11
12
31
18
39
22
96
96
95
94
94
95
92
96
97
49
66
64
71
58
46
64
62
69
56
95
97
97
97
96
28
43
46
52
39
28
43
45
51
38
97
98
98
98
98
15
31
27
31
24
14
30
26
30
23
96
98
96
96
96
Full time .................................................................
Part time ................................................................
73
14
71
13
97
91
46
15
45
14
98
96
41
6
40
6
96
94
Union .....................................................................
Nonunion ...............................................................
83
55
81
53
98
96
63
35
63
34
99
97
35
32
34
30
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 ........................................
25
13
61
71
81
85
22
12
59
69
80
84
91
90
95
97
99
99
17
15
36
47
58
61
16
13
35
46
57
60
95
92
97
98
99
99
7
4
27
40
61
66
7
3
26
38
59
63
94
95
95
96
96
96
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
72
46
81
70
44
80
97
95
98
51
25
61
51
24
61
99
98
99
34
13
41
33
13
40
96
94
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
55
57
66
47
77
92
53
54
65
42
75
92
96
94
98
90
98
100
35
34
45
27
43
45
34
33
45
26
42
45
97
98
98
98
97
100
32
23
38
12
33
84
30
22
37
11
32
80
96
94
96
90
96
96
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
83
80
87
90
83
53
57
71
36
62
68
86
61
21
20
38
83
78
86
89
82
50
56
71
34
61
67
85
60
19
18
35
99
98
99
99
99
95
98
99
95
98
99
99
97
92
91
94
69
64
72
71
70
38
39
48
24
31
35
46
30
19
19
28
67
63
71
70
69
38
38
47
23
30
35
46
29
17
18
27
98
98
98
99
98
99
98
97
98
97
99
99
97
91
91
97
65
66
74
75
75
36
39
56
16
38
58
80
35
7
7
23
64
64
72
73
71
35
38
55
16
36
55
77
32
7
7
21
98
97
97
98
95
98
96
97
96
94
95
96
94
99
99
93
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
37
55
76
70
86
39
35
53
74
67
84
96
95
97
97
96
99
27
24
35
51
44
61
26
23
34
50
43
60
97
96
98
98
98
98
20
18
29
46
36
59
20
17
28
44
34
57
96
96
97
95
95
96
58
56
64
60
57
64
58
57
51
56
55
61
58
55
62
54
54
49
98
98
97
97
97
96
94
95
97
39
72
42
30
33
36
28
26
25
39
71
40
30
31
35
27
25
24
99
99
96
98
96
96
95
98
99
38
32
35
31
31
37
33
29
29
36
31
34
30
30
36
31
27
27
96
97
95
96
95
97
95
94
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/glossary20102011.htm.
Table 18. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011
(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
3
3
8
6
8
5
9
97
97
97
92
94
92
95
91
12
7
5
5
4
88
93
95
95
96
Full time .................................................................
Part time ................................................................
5
3
95
97
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 ........................................
10
12
6
5
4
4
90
88
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 ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
5
6
6
8
4
3
95
94
94
92
96
97
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011—Continued
(All workers with basic life insurance 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 ....
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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
3
4
4
3
3
10
5
3
7
3
5
3
2
14
16
8
97
96
96
97
97
90
95
97
93
97
95
97
98
86
84
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 ..........................................
7
7
7
4
5
3
93
93
93
96
95
97
4
3
5
4
6
9
6
7
5
96
97
95
96
94
91
94
93
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/glossary20102011.htm.
Table 19. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2011
(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
59
2
36
2
1
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 ..................
71
74
69
46
35
65
62
67
37
3
3
4
1
–
3
3
2
1
23
20
25
49
63
30
33
29
57
1
1
1
3
–
1
1
1
4
1
2
1
(1)
–
1
1
(1)
1
16
52
45
44
47
–
1
1
1
1
77
43
49
49
49
6
3
4
5
3
–
1
1
2
1
Full time .................................................................
Part time ................................................................
59
55
2
–
36
42
2
1
1
–
Union .....................................................................
Nonunion ...............................................................
40
62
1
2
51
34
8
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 ........................................
44
33
57
56
68
70
–
–
2
2
3
5
51
58
39
40
25
22
3
5
1
2
2
1
–
–
1
1
1
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
44
16
50
2
–
2
49
81
43
4
3
5
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
63
57
53
56
59
79
2
3
4
3
–
1
32
38
39
39
37
19
2
2
–
–
2
–
1
1
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
84
81
85
87
83
61
63
63
51
62
63
69
62
42
43
48
4
3
3
4
2
–
–
–
–
3
4
5
3
–
–
–
10
14
11
8
13
34
34
34
47
32
31
24
33
52
50
50
–
1
1
–
1
–
–
–
–
2
2
1
2
5
6
–
–
1
1
–
(1)
–
2
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 ..........................................
46
45
48
67
61
72
2
2
–
3
1
4
50
50
49
27
34
20
2
2
2
2
2
3
1
1
–
1
1
1
68
61
54
57
62
58
63
54
55
4
2
2
2
2
–
2
2
3
26
33
41
39
33
35
32
44
39
–
–
4
2
2
5
2
–
–
–
–
(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 percent.
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/glossary20102011.htm.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2011
(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
60
13
22
4
1.4
1.0
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
(2)
1
2
–
(2)
–
(2)
2
57
55
58
59
48
64
73
60
61
12
13
11
19
–
11
10
11
12
25
26
25
19
–
20
14
23
22
5
6
5
2
–
5
–
5
3
1.4
1.4
1.4
1.3
1.4
1.3
1.2
1.4
1.3
1.0
1.0
1.0
1.0
–
1.0
1.0
1.0
1.0
–
1
1
–
1
54
62
59
53
65
9
13
17
16
18
32
20
22
29
14
–
3
2
–
2
1.4
1.3
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
59
66
13
11
23
16
4
6
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
2
1
67
59
9
13
18
23
5
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
62
67
65
58
57
53
16
–
13
13
12
12
18
–
19
23
25
29
–
–
2
5
5
5
1.3
1.2
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
–
–
49
67
49
15
–
16
29
21
29
6
–
–
1.4
1.3
1.5
–
1.0
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
–
62
68
48
83
63
49
12
13
24
7
14
–
21
16
24
7
20
37
4
2
–
–
–
8
1.3
1.3
1.4
1.1
1.3
1.6
1.0
1.0
1.5
1.0
1.0
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
(2)
(2)
–
–
–
–
–
–
2
4
6
1
–
–
–
61
62
63
63
64
52
49
51
49
67
60
60
69
59
58
39
8
6
4
–
–
20
16
14
20
12
15
14
12
28
31
–
21
25
25
23
29
27
32
30
31
15
14
16
16
–
–
46
9
7
8
10
4
–
3
5
–
3
6
4
3
–
–
–
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.5
1.4
1.3
1.3
1.3
1.3
1.3
1.3
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 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
(2)
1
(2)
1
56
57
56
61
63
59
13
12
16
13
13
13
24
24
24
22
21
23
6
7
4
3
3
4
1.4
1.4
1.4
1.3
1.3
1.3
1.0
1.0
1.0
1.0
1.0
1.0
2
3
–
–
–
–
–
–
1
65
56
56
55
63
56
61
71
59
10
16
13
13
13
20
9
11
11
18
20
27
24
21
20
26
15
24
5
5
–
–
–
4
–
–
6
1.3
1.4
1.4
1.4
1.3
1.4
1.4
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 percent.
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/glossary20102011.htm.
Table 21. Life insurance plans: Maximum benefit amount, private industry workers, National
Compensation Survey, March 2011
(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
$600,000 $1,000,000
With no
maximum
benefit
amount
72
$50,000
$50,000
$250,000
28
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 ..................
74
76
73
67
52
76
81
74
70
50,000
50,000
50,000
50,000
–
50,000
–
50,000
50,000
100,000
100,000
100,000
50,000
–
50,000
–
50,000
70,000
300,000
300,000
300,000
200,000
–
200,000
–
250,000
240,000
750,000
750,000
750,000
500,000
–
500,000
–
700,000
750,000
1,000,000
1,500,000
1,000,000
1,000,000
–
1,000,000
–
1,500,000
2,000,000
26
24
27
33
48
24
19
26
30
66
71
62
64
61
–
50,000
50,000
50,000
50,000
–
70,000
70,000
100,000
50,000
–
300,000
200,000
250,000
125,000
–
1,000,000
500,000
500,000
500,000
–
2,000,000
1,000,000
1,000,000
1,000,000
34
29
38
36
39
Full time .................................................................
Part time ................................................................
73
53
50,000
–
50,000
–
250,000
–
600,000
–
1,000,000
–
27
47
Union .....................................................................
Nonunion ...............................................................
58
74
50,000
50,000
70,000
50,000
200,000
250,000
600,000
600,000
2,000,000
1,000,000
42
26
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
67
74
73
73
75
50,000
–
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
100,000
100,000
250,000
–
150,000
225,000
300,000
350,000
500,000
–
500,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
2,000,000
1,500,000
40
33
26
27
27
25
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
63
73
62
50,000
–
50,000
100,000
–
125,000
300,000
–
300,000
750,000
–
750,000
2,000,000
–
2,000,000
37
27
38
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
74
72
79
75
64
49
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
60,000
50,000
50,000
–
245,000
70,000
200,000
50,000
100,000
–
600,000
400,000
500,000
250,000
250,000
–
1,000,000
750,000
1,000,000
750,000
500,000
–
26
28
21
25
36
51
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Maximum benefit amount, private industry workers, National
Compensation Survey, March 2011—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
$500,000 $1,200,000 $2,000,000 $2,000,000
100,000
350,000 1,000,000 2,000,000
100,000
350,000 1,000,000 2,000,000
100,000
500,000 1,000,000 2,000,000
100,000
400,000 1,000,000 2,000,000
150,000
300,000
725,000 1,000,000
100,000
300,000
500,000 1,000,000
–
–
–
–
50,000
200,000
500,000 1,000,000
50,000
150,000
300,000
500,000
50,000
150,000
300,000
500,000
50,000
200,000
500,000 1,000,000
–
–
–
–
–
–
–
–
–
–
–
–
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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
66
83
82
86
72
74
83
62
71
78
80
70
73
69
71
$150,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
–
–
–
34
17
18
14
28
26
17
38
29
22
20
30
27
31
29
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
74
75
73
71
74
69
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
100,000
210,000
250,000
–
250,000
200,000
400,000
500,000
500,000
–
750,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
2,000,000
26
25
27
29
26
31
76
72
63
71
74
77
76
71
73
50,000
50,000
50,000
–
–
–
–
50,000
–
50,000
50,000
100,000
–
–
–
–
50,000
–
200,000
200,000
250,000
–
–
–
–
250,000
–
500,000
500,000
750,000
–
–
–
–
1,000,000
–
750,000
1,000,000
1,000,000
–
–
–
–
1,000,000
–
24
28
37
29
26
23
24
29
27
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/glossary20102011.htm.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2011
(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
$15,000
$25,000
$50,000
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
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
5,000
10,000
5,000
10,000
10,000
15,000
15,000
10,000
10,000
10,000
10,000
10,000
20,000
25,000
10,000
15,000
15,000
20,000
15,000
50,000
50,000
20,000
25,000
25,000
25,000
25,000
50,000
50,000
35,000
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
20,000
15,000
15,000
17,000
15,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
5,000
15,000
10,000
25,000
20,000
50,000
30,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
15,000
15,000
26,000
25,000
46,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
5,000
5,000
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
25,000
50,000
30,000
25,000
40,000
50,000
50,000
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
10,000
10,000
10,000
10,000
10,000
20,000
15,000
20,000
25,000
25,000
26,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Retail trade ....................................................
Transportation and warehousing ...................
7,500
5,000
5,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
10,000
15,000
25,000
25,000
20,000
40,000
50,000
50,000
30,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2011—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
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Education and health services ...........................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
$10,000
10,000
10,000
10,000
5,000
5,000
10,000
10,000
10,000
$15,000
15,000
15,000
15,000
10,000
10,000
10,000
10,000
10,000
$25,000
25,000
25,000
25,000
15,000
15,000
15,000
15,000
15,000
$50,000
50,000
50,000
50,000
25,000
20,000
20,000
20,000
25,000
$50,000
50,000
50,000
50,000
50,000
50,000
50,000
30,000
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
5,000
7,500
5,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
25,000
25,000
25,000
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
7,500
10,000
10,000
10,000
10,000
6,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
25,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
East 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/glossary20102011.htm.
Table 23. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2011
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
45
35
17
2
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 ..................
49
50
49
31
–
48
52
47
39
35
38
34
31
39
33
28
35
39
14
11
15
37
31
17
19
17
15
1
1
1
2
–
1
1
1
7
24
49
45
47
43
44
36
39
40
37
20
12
13
10
16
12
3
3
2
4
Full time .................................................................
Part time ................................................................
46
35
37
16
14
48
2
1
Union .....................................................................
Nonunion ...............................................................
46
45
29
36
17
17
8
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 ........................................
32
27
44
44
51
52
31
–
37
38
33
32
36
54
17
15
13
13
1
–
1
3
2
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
47
14
52
40
45
38
10
29
7
4
12
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
45
48
45
43
67
34
31
38
36
22
19
18
–
15
–
2
2
–
6
–
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
64
63
69
72
64
17
40
35
35
38
50
61
35
–
31
–
25
27
24
23
32
48
42
49
38
37
30
28
38
32
–
40
–
–
–
–
–
–
–
17
–
22
–
10
23
36
37
47
–
–
–
–
–
–
–
–
–
3
–
(3)
3
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
32
31
36
53
45
60
37
35
40
34
40
29
29
32
22
10
13
8
2
2
2
2
2
2
18
63
60
54
56
59
63
44
22
34
36
45
43
39
35
43
58
–
–
–
–
–
–
10
2
3
4
1
–
1
–
3
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West 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.
3 Less than 0.5 percent.
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/glossary20102011.htm.
Table 24. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
20
80
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 ..................
14
11
16
39
19
23
18
21
86
89
84
61
81
77
82
79
20
21
18
15
23
80
79
82
85
77
Full time .................................................................
Part time ................................................................
17
41
83
59
Union .....................................................................
Nonunion ...............................................................
20
20
80
80
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 ........................................
42
56
21
16
14
13
58
44
79
84
86
87
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
13
26
11
87
74
89
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
22
23
17
21
20
78
77
83
79
80
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
8
6
4
6
16
13
27
24
19
13
25
44
46
52
92
94
96
94
84
87
73
76
81
87
75
56
54
48
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
30
32
25
14
16
12
70
68
75
86
84
88
48
6
7
9
8
3
14
52
94
93
91
92
97
86
Geographic areas
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/glossary20102011.htm.
Table 25. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2011
(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
66
23
2
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 ..................
2
2
1
3
–
4
3
4
17
1
(1)
1
2
–
1
1
1
7
64
59
66
84
85
66
68
65
61
32
37
29
9
13
28
28
28
15
2
1
3
2
–
2
1
3
1
22
13
20
20
20
9
5
5
7
3
60
62
64
60
68
–
19
10
12
9
–
1
1
1
1
Full time .................................................................
Part time ................................................................
8
4
2
1
65
80
23
15
2
1
Union .....................................................................
Nonunion ...............................................................
22
4
9
1
51
69
17
24
1
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 ........................................
7
2
9
10
4
2
–
–
2
2
3
1
81
91
70
66
60
59
9
4
17
21
31
36
–
–
2
2
2
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
19
23
18
6
–
7
58
67
57
16
5
17
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
4
9
8
21
4
1
1
3
–
–
69
69
63
67
46
24
19
24
9
47
2
1
2
–
–
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
1
–
–
–
–
–
–
–
3
3
2
3
4
5
5
–
–
1
1
–
–
(1)
–
–
1
–
–
1
–
–
–
44
48
42
33
53
84
72
77
81
77
79
74
76
88
89
91
51
51
56
65
46
–
25
22
–
14
17
23
13
3
–
4
4
–
–
–
–
–
–
–
–
6
–
–
7
–
–
–
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
7
8
7
8
6
1
2
–
3
2
4
74
72
76
62
69
55
17
18
14
26
20
32
1
1
–
2
1
4
4
13
12
8
8
9
5
3
(1)
5
–
3
–
2
–
2
83
56
59
61
72
52
60
62
12
25
24
28
15
33
33
28
1
1
–
2
–
4
–
5
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
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/glossary20102011.htm.
Table 26. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2011
(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
91
13
24
26
26
26
9
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 ..................
90
91
89
95
94
90
85
92
91
12
13
12
13
12
12
12
13
13
21
20
22
26
18
20
13
21
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
36
10
9
11
5
6
10
15
8
9
97
88
91
91
92
13
13
13
13
13
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
39
26
26
26
3
12
9
9
8
Full time .................................................................
Part time ................................................................
91
94
13
20
22
26
26
26
26
26
26
26
9
6
Union .....................................................................
Nonunion ...............................................................
90
91
18
12
26
21
26
26
26
26
52
26
10
9
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 ........................................
93
95
92
93
88
87
13
–
13
13
13
13
26
–
21
22
25
25
26
–
26
26
26
26
26
–
26
26
26
26
26
–
26
26
26
26
7
5
8
7
12
13
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
92
96
91
13
13
13
26
26
26
26
26
26
26
26
26
26
26
26
8
4
9
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
91
87
89
97
88
12
12
12
24
13
22
21
20
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
36
9
13
11
3
12
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2011—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
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 ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
78
90
90
88
91
94
93
93
94
93
92
94
13
12
13
13
12
12
12
12
13
13
13
13
26
20
20
21
18
13
14
13
24
26
26
24
26
26
26
25
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
26
26
26
26
26
26
22
10
10
12
9
6
7
7
6
7
8
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 ..........................................
92
91
92
91
91
90
12
12
12
13
12
13
20
24
13
24
20
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
8
9
8
9
9
10
95
89
89
92
92
89
83
89
25
13
12
12
12
13
12
12
26
21
13
14
13
20
13
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
5
11
11
8
8
11
17
11
Geographic areas
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/glossary20102011.htm.
Table 27. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2011
(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
1
21
1
33
27
16
63.7
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
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
–
1
2
–
1
–
1
–
17
18
17
36
–
21
21
21
21
1
–
1
1
–
2
–
2
–
35
37
34
25
37
34
37
32
33
24
17
27
31
–
27
25
27
35
22
26
19
5
6
16
15
17
9
65.6
66.0
65.4
59.1
59.1
63.9
63.4
64.1
62.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
2
–
17
23
17
17
17
–
–
1
1
–
33
33
36
40
32
40
31
28
27
28
6
12
16
12
21
61.2
62.6
64.6
62.0
67.6
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
19
39
1
–
36
18
26
34
17
9
64.1
61.0
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
2
1
22
21
3
1
18
36
40
25
15
16
64.4
63.6
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
–
35
47
20
19
18
18
–
–
1
1
1
–
25
16
36
37
32
30
32
33
29
26
25
25
6
3
12
16
23
26
59.9
58.0
62.9
63.7
66.2
67.2
60.0
60.0
60.0
60.0
60.0
65.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
2
–
2
14
22
13
1
–
1
38
26
40
26
44
23
18
5
20
64.5
61.3
65.0
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
1
–
–
–
–
23
20
12
19
–
1
1
–
–
–
32
30
38
23
–
27
28
34
21
43
15
21
15
37
36
63.6
66.4
65.4
72.8
71.7
60.0
60.0
60.0
67.0
67.0
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
2
–
–
3
–
–
–
23
17
14
18
10
–
16
12
21
24
24
24
24
47
48
35
–
–
–
–
–
–
–
–
–
1
–
–
2
1
1
5
29
30
31
29
37
29
41
45
32
34
22
25
37
25
24
–
28
22
22
26
18
23
31
30
42
26
17
9
28
24
24
33
20
28
31
24
33
–
12
14
–
12
36
40
7
3
3
5
64.0
66.8
68.7
66.7
69.3
60.6
63.5
64.7
60.5
62.0
70.7
72.2
60.2
57.7
57.6
59.0
60.0
66.0
66.0
60.0
66.0
60.0
60.0
60.0
60.0
60.0
67.0
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
2
1
26
26
27
18
15
22
1
–
–
1
1
2
29
28
33
36
38
34
31
34
26
24
27
21
11
10
14
19
17
21
62.3
62.3
62.2
64.8
64.5
65.1
60.0
60.0
60.0
60.0
60.0
60.0
–
1
–
–
–
–
–
2
40
9
7
12
–
8
8
9
–
1
–
–
–
–
–
5
8
47
42
53
52
50
48
32
44
22
21
13
5
17
14
30
6
21
27
20
–
23
24
21
60.8
65.3
66.6
64.8
62.0
66.5
66.1
66.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
65.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
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/glossary20102011.htm.
Table 28. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2011
(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
$260
$546
$1,000
$2,080
28
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 ..................
68
68
68
85
83
70
72
69
72
170
170
170
–
–
170
170
170
170
385
400
381
–
–
201
170
250
300
600
900
561
–
–
546
546
559
546
1,500
1,500
1,385
–
–
1,000
1,000
1,000
1,000
2,423
2,500
2,325
–
–
2,300
2,500
2,000
1,500
32
32
32
15
17
30
28
31
28
81
67
69
71
67
–
170
170
170
170
–
250
250
250
300
–
546
515
515
511
–
1,000
750
1,000
577
–
1,500
1,500
1,500
1,500
19
33
31
29
33
Full time .................................................................
Part time ................................................................
70
82
170
170
300
170
559
315
1,153
559
2,308
561
30
18
Union .....................................................................
Nonunion ...............................................................
70
72
170
170
215
300
500
559
559
1,000
1,000
2,308
30
28
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
84
73
71
66
67
170
170
170
170
170
170
270
300
346
300
524
546
546
561
559
561
1,000
1,000
1,500
1,500
1,500
2,000
2,000
2,400
2,423
16
27
29
34
33
Goods-producing industries ...................................
Manufacturing ....................................................
64
59
170
170
300
300
524
524
1,000
1,000
1,500
1,730
36
41
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
73
66
71
58
48
170
170
170
170
–
250
170
364
200
–
546
511
546
524
–
1,000
600
1,000
577
–
2,308
1,746
1,500
1,000
–
27
34
29
42
52
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2011—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
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
Health care and social assistance .................
48
65
60
65
58
79
81
83
88
72
54
45
75
–
$170
170
–
–
–
170
170
–
–
–
170
170
–
$500
546
–
–
–
500
500
–
–
–
170
300
–
$1,000
1,000
–
–
–
561
1,000
–
–
–
600
546
–
$2,500
2,500
–
–
–
1,200
1,500
–
–
–
1,500
1,000
–
$3,846
3,000
–
–
–
2,350
2,080
–
–
–
1,500
2,076
52
35
40
35
42
21
19
17
12
28
46
55
25
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
81
73
67
72
60
170
170
170
170
170
170
170
170
170
346
350
300
524
546
500
559
559
561
800
750
1,000
1,400
1,200
1,500
1,500
1,500
1,500
2,308
2,308
2,350
22
19
27
33
28
40
90
51
52
66
72
57
60
71
170
200
250
300
–
230
315
200
170
350
346
500
–
500
500
520
500
520
515
1,000
–
1,000
1,000
916
559
1,000
1,250
1,750
–
1,500
2,300
2,000
561
2,300
2,000
2,500
–
2,308
3,363
2,400
10
49
48
34
28
43
40
29
Geographic areas
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/glossary20102011.htm.
Table 29. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011
(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 ..................
7
7
7
8
8
10
8
10
93
93
93
92
92
90
92
90
8
11
8
8
7
92
89
92
92
93
Full time .................................................................
8
92
Union .....................................................................
Nonunion ...............................................................
8
8
92
92
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5
9
9
7
7
95
91
91
93
93
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
9
11
8
91
89
92
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
8
11
8
7
22
92
89
92
93
78
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2011—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
Health care and social assistance .................
Other services ...................................................
4
7
6
5
8
7
5
8
8
9
8
5
96
93
94
95
92
93
95
92
92
91
92
95
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
5
8
6
10
93
92
95
92
94
90
6
9
7
5
9
7
11
7
8
94
91
93
95
91
93
89
93
92
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/glossary20102011.htm.
Table 30. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2011
(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
93
5
1
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 ..................
94
93
95
96
97
93
90
94
90
5
6
5
3
–
6
9
5
5
(1)
1
–
–
–
1
–
1
3
(1)
(1)
–
–
–
(1)
–
(1)
1
88
91
88
86
91
5
6
4
4
4
5
2
5
8
2
1
2
3
2
3
Full time .................................................................
93
5
1
1
Union .....................................................................
Nonunion ...............................................................
77
95
9
5
9
(1)
4
(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
92
94
93
92
92
4
–
4
5
6
7
–
–
1
1
2
–
–
–
(1)
(1)
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
89
91
90
4
5
3
5
5
6
1
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
94
88
94
95
75
5
9
4
–
24
(1)
1
–
–
–
(1)
2
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2011—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
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
89
92
92
89
93
99
96
97
96
97
95
94
97
100
99
95
11
7
8
10
6
–
3
3
–
3
5
6
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(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 ..........................................
93
93
95
93
93
92
5
6
3
5
5
5
1
1
1
2
1
2
1
(1)
1
1
(1)
1
95
95
89
92
95
92
92
94
93
4
3
6
5
4
7
7
5
6
–
1
4
–
–
–
1
–
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 percent.
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/glossary20102011.htm.
Table 31. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2011
(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
64
7
6
2
58.7
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 ..................
22
19
24
36
–
19
19
19
19
63
65
62
54
55
65
64
66
68
7
8
7
4
–
7
8
7
5
6
7
6
–
6
7
6
7
5
1
1
1
–
–
2
3
2
2
58.5
59.0
58.2
57.4
58.8
59.2
59.7
59.1
59.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
16
21
19
16
21
75
65
70
69
71
–
6
4
6
2
–
6
5
6
4
–
2
2
2
1
59.5
58.9
58.5
59.0
57.9
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
22
65
6
6
1
58.6
60.0
Union .....................................................................
Nonunion ...............................................................
32
21
55
65
3
7
5
6
4
1
57.9
58.7
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
26
22
20
22
21
59
66
66
63
62
5
6
6
7
9
6
5
7
6
6
4
1
1
1
1
59.3
58.3
58.8
58.6
58.7
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
18
11
20
68
80
66
6
–
7
6
5
6
1
–
1
58.9
60.1
58.7
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
22
18
16
21
46
64
67
67
70
30
7
7
10
–
15
6
5
5
6
–
2
3
2
–
–
58.6
59.3
58.7
59.4
57.6
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 31. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2011—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
Health care and social assistance .................
Other services ...................................................
15
26
26
30
21
23
15
11
–
27
8
9
32
29
63
58
57
52
62
69
69
72
63
62
74
75
59
60
12
9
10
10
10
–
–
7
–
5
7
9
–
–
6
5
5
6
4
–
8
10
–
6
9
5
5
–
4
1
2
1
2
–
–
1
–
1
2
2
–
–
59.8
58.4
58.5
58.1
59.2
58.3
59.1
59.7
58.1
57.7
60.5
60.0
56.9
58.0
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 ..........................................
16
16
16
24
15
32
68
69
67
62
69
57
5
6
4
7
8
6
8
7
10
5
6
4
2
2
2
1
1
1
59.6
59.5
59.8
58.2
59.3
57.2
60.0
60.0
60.0
60.0
60.0
60.0
13
19
22
19
21
–
18
25
26
69
67
67
64
68
54
68
60
54
7
5
4
10
6
5
5
11
10
10
7
5
5
3
5
7
3
9
2
2
1
1
1
–
2
1
2
59.9
59.2
58.5
59.2
58.2
57.2
58.7
58.1
58.7
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/glossary20102011.htm.
Table 32. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2011
(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
84
$3,500
$5,000
$8,000
$10,000
$15,000
16
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 ..................
85
85
84
82
86
88
85
84
4,000
5,000
4,000
3,000
3,333
3,000
4,000
3,000
5,000
6,000
5,000
5,000
5,000
5,000
5,000
5,000
9,000
10,000
8,000
7,500
9,500
7,500
10,000
6,000
12,000
14,286
10,000
10,000
12,000
12,000
12,000
10,000
15,000
20,000
15,000
13,000
20,000
20,000
20,000
15,000
15
15
16
18
14
12
15
16
87
83
76
80
72
2,500
3,000
2,500
2,500
2,500
5,000
4,000
5,000
5,000
5,000
5,000
6,000
6,000
7,000
5,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
12,000
13
17
24
20
28
Full time .................................................................
84
3,900
5,000
8,000
10,000
15,000
16
Union .....................................................................
Nonunion ...............................................................
71
85
2,917
4,000
4,000
5,000
5,000
8,000
10,000
10,000
15,000
15,000
29
15
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
82
84
84
83
83
3,000
3,000
3,098
4,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
7,500
7,500
10,000
10,000
10,000
10,000
10,000
12,500
15,000
15,000
15,000
15,000
17,300
20,000
18
16
16
17
17
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
82
95
79
2,917
–
2,500
5,000
–
5,000
7,000
–
7,500
10,000
–
10,000
15,000
–
15,000
18
5
21
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
84
77
81
61
65
4,000
3,000
5,000
–
5,000
5,000
5,000
5,000
–
7,500
8,000
6,000
7,500
–
12,000
10,000
10,000
10,000
–
15,000
16,000
15,000
15,000
–
20,000
16
23
19
39
35
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 32. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2011—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
Health care and social assistance .................
Other services ...................................................
86
87
86
85
85
86
92
86
86
88
86
76
$4,000
4,167
5,000
5,000
4,167
5,000
5,000
3,000
4,000
4,500
3,000
3,000
$4,000
7,500
9,500
9,000
7,000
6,000
6,000
5,000
5,000
5,000
5,000
5,000
$7,500
10,000
12,000
12,250
10,000
10,000
8,000
6,500
7,000
7,500
6,000
6,000
$12,000
20,000
20,000
30,000
15,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
35,000
41,667
41,667
25,000
16,000
15,000
15,000
14,500
15,000
15,000
10,000
14
13
14
15
15
14
8
14
14
12
14
24
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
84
84
84
83
87
80
3,000
3,900
3,000
4,000
3,500
4,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,500
6,000
9,340
7,500
10,000
10,000
10,000
10,000
12,000
10,000
15,000
15,000
15,000
15,000
16,000
15,000
20,000
16
16
16
17
13
20
87
84
78
81
83
84
85
86
4,167
3,000
3,200
4,000
3,500
4,000
5,000
4,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,500
7,500
7,500
7,000
10,000
8,000
10,000
8,000
10,000
10,000
10,500
10,000
12,000
10,500
10,000
15,000
14,000
15,000
15,000
15,000
20,000
15,000
15,000
20,000
17,300
13
16
22
19
17
16
15
14
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West 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/glossary20102011.htm.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2011
(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
80
78
97
23
23
99
35
33
97
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 ...
81
80
79
78
77
77
97
97
97
22
20
18
22
20
18
99
99
99
37
37
37
36
36
36
97
97
97
86
75
84
81
81
90
76
84
73
83
79
79
89
75
98
97
98
98
98
99
99
18
23
23
26
26
28
21
17
23
22
26
26
28
21
99
98
98
99
99
100
100
39
27
28
34
34
41
29
38
26
26
33
33
41
28
98
96
96
97
97
98
95
Full time .................................................................
Part time ................................................................
90
23
88
21
98
94
25
12
25
11
99
100
39
11
38
11
97
95
Union .....................................................................
Nonunion ...............................................................
86
74
85
72
98
97
28
19
28
19
99
98
34
35
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
46
84
85
89
89
60
44
82
84
87
86
97
95
97
98
97
97
19
13
26
26
23
29
18
13
25
25
23
28
99
100
99
98
99
100
27
20
34
39
39
36
26
19
32
38
38
35
96
98
96
97
97
98
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
80
80
79
78
82
83
89
82
77
77
77
77
77
80
85
80
97
97
97
98
94
97
97
98
23
20
19
19
21
28
26
27
23
20
19
19
20
27
25
27
99
99
99
99
98
97
98
98
34
36
36
35
38
41
47
31
33
35
35
34
35
40
46
29
97
97
97
98
94
97
98
96
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
64
63
66
82
73
85
62
61
64
80
72
83
97
96
98
97
98
97
21
23
18
23
18
25
21
23
18
23
17
25
100
99
100
99
97
99
34
29
40
35
34
35
33
29
39
34
33
34
97
99
95
96
98
96
Establishment characteristics
See footnotes at end of table.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2011—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
86
78
82
76
95
98
28
22
27
21
98
99
35
34
33
33
95
97
72
84
78
78
83
85
76
84
76
69
83
74
77
80
80
75
82
75
95
99
95
99
97
94
98
98
99
10
41
23
12
26
–
10
21
34
10
41
23
12
25
–
10
21
33
100
99
98
100
97
–
100
100
100
19
16
50
56
43
20
17
62
30
18
16
49
55
40
20
16
59
30
98
98
97
98
95
97
95
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/glossary20102011.htm.
Table 18. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
11
89
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 ...
11
11
10
89
89
90
10
11
10
10
10
8
7
90
89
90
90
90
92
93
Full time .................................................................
Part time ................................................................
11
9
89
91
Union .....................................................................
Nonunion ...............................................................
8
13
92
87
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
12
11
9
10
12
88
89
91
90
88
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
11
11
10
9
13
12
10
89
89
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
10
11
10
11
91
90
89
90
89
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
18
8
82
92
28
7
15
5
12
6
5
1
72
93
85
95
88
94
95
99
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/glossary20102011.htm.
Table 19. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2011
(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
39
2
52
6
1
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 ...
37
37
32
2
2
1
54
55
60
5
6
6
1
1
1
29
41
41
41
41
41
35
1
2
3
2
2
–
2
63
49
48
50
50
51
51
6
7
6
7
6
5
–
1
2
2
1
1
–
–
Full time .................................................................
Part time ................................................................
39
29
2
–
52
63
6
4
1
–
Union .....................................................................
Nonunion ...............................................................
33
44
2
2
57
47
8
4
(1)
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 ........................................
41
48
42
40
33
34
1
–
1
3
2
2
51
46
48
48
59
59
5
3
6
8
5
5
2
–
2
2
1
(1)
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
39
37
35
30
52
53
55
40
2
1
1
1
–
–
–
3
52
55
57
63
38
43
42
49
6
5
6
6
6
2
–
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
34
31
39
42
38
1
–
–
2
–
2
59
54
65
51
54
51
4
–
2
6
3
7
4
7
–
1
–
1
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2011—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
48
35
2
2
41
56
5
6
4
1
24
37
44
46
61
51
22
31
16
–
–
–
–
3
–
–
–
–
66
48
50
46
25
–
75
64
77
–
14
4
6
6
–
2
–
4
–
–
–
–
6
–
–
–
–
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 percent.
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/glossary20102011.htm.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2011
(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
–
46
25
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 ...
–
–
–
43
44
43
28
28
27
26
25
27
–
3
3
1.5
1.4
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
44
50
56
49
48
53
45
30
22
15
24
25
19
30
24
22
19
25
25
25
22
2
6
–
2
2
–
–
1.4
1.5
1.5
1.4
1.4
1.4
1.4
1.5
–
1.0
–
1.5
1.0
1.5
Full time .................................................................
Part time ................................................................
–
–
46
59
25
26
25
–
–
–
1.5
1.3
1.5
1.0
Union .....................................................................
Nonunion ...............................................................
–
–
55
40
29
23
11
34
–
–
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 ........................................
–
–
–
–
–
–
45
40
48
53
40
40
26
25
25
21
30
28
29
–
24
23
23
23
1
–
2
–
–
–
1.4
1.5
1.4
1.4
1.5
1.5
1.5
1.5
–
1.0
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
46
44
41
41
43
55
57
54
25
25
26
30
16
24
18
24
25
28
31
28
–
–
–
17
–
3
2
2
4
3
4
–
1.4
1.5
1.5
1.5
1.5
1.4
1.5
1.4
1.5
1.5
1.5
1.5
1.5
–
–
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 ..........................................
–
–
–
–
–
–
45
48
39
47
43
48
33
28
40
25
27
24
–
21
–
25
25
25
5
–
–
–
6
–
1.4
1.4
1.5
1.5
1.5
1.4
1.5
–
1.5
1.5
1.5
1.5
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2011—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
–
–
43
48
26
25
–
23
3
–
1.5
1.4
1.5
1.5
–
–
–
–
–
–
–
–
52
26
67
35
45
37
67
76
37
50
12
–
23
38
–
13
–
9
17
–
30
23
–
–
–
15
4
–
2
–
–
–
1.3
1.7
1.3
1.5
1.5
1.5
1.2
1.2
–
1.5
1.0
1.5
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/glossary20102011.htm.
Table 21. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2011
(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
49
$50,000
$50,000
$100,000
$200,000
$450,000
51
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 ...
50
50
49
50,000
50,000
–
50,000
50,000
–
100,000
100,000
–
200,000
200,000
–
400,000
400,000
–
50
50
51
43
50
45
46
47
48
46
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
250,000
–
250,000
250,000
–
–
250,000
500,000
–
500,000
500,000
–
–
57
50
55
54
53
52
54
Full time .................................................................
Part time ................................................................
49
45
50,000
–
50,000
–
100,000
–
200,000
–
450,000
–
51
55
Union .....................................................................
Nonunion ...............................................................
44
52
–
50,000
–
50,000
–
100,000
–
250,000
–
500,000
56
48
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 ........................................
51
58
50
49
46
49
50,000
–
50,000
50,000
–
–
50,000
–
50,000
50,000
–
–
100,000
–
100,000
100,000
–
–
150,000
–
250,000
250,000
–
–
500,000
–
400,000
500,000
–
–
49
42
50
51
54
51
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
49
53
52
43
71
55
55
43
50,000
–
40,000
–
–
–
–
50,000
50,000
–
50,000
–
–
–
–
50,000
100,000
–
100,000
–
–
–
–
100,000
200,000
–
200,000
–
–
–
–
200,000
450,000
–
400,000
–
–
–
–
500,000
51
47
48
57
29
45
45
57
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
42
37
48
50
46
51
50,000
–
–
50,000
50,000
50,000
60,000
–
–
50,000
50,000
50,000
100,000
–
–
100,000
100,000
100,000
200,000
–
–
200,000
200,000
250,000
350,000
–
–
500,000
325,000
500,000
58
63
52
50
54
49
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2011—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
51
48
–
$50,000
–
$50,000
–
$100,000
–
$200,000
–
$400,000
49
52
33
44
48
36
54
67
25,000
50,000
–
50,000
–
–
40,000
50,000
–
50,000
–
–
50,000
150,000
–
150,000
–
–
100,000
150,000
–
250,000
–
–
200,000
325,000
–
500,000
–
–
67
56
52
64
46
33
Geographic areas
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/glossary20102011.htm.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2011
(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
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
5,000
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
10,000
20,000
20,000
25,000
20,000
20,000
20,000
20,000
20,000
45,000
45,000
50,000
31,217
30,000
30,000
30,000
30,000
50,000
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
15,000
50,000
25,000
50,000
50,000
Average wage within the following categories:3
Lowest 25 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
15,000
20,000
20,000
20,000
25,000
40,000
25,000
30,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
5,000
5,000
5,000
6,000
5,000
5,000
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
43,000
45,000
50,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
20,000
15,000
20,000
20,000
25,000
25,000
40,000
40,000
50,000
50,000
50,000
50,000
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2011—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
6,000
$5,000
10,000
$20,000
20,000
$25,000
40,000
$50,000
50,000
5,000
15,000
10,000
5,000
5,000
10,000
5,000
5,000
20,000
15,000
10,000
10,000
15,000
10,000
5,000
30,000
20,000
13,000
10,000
20,000
25,000
20,000
50,000
40,000
25,000
20,000
40,000
50,000
40,000
50,000
50,000
30,000
25,000
50,000
50,000
Geographic areas
New England .........................................................
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/glossary20102011.htm.
Table 23. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2011
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
51
22
8
19
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 ...
52
49
44
21
19
23
9
11
11
18
21
21
40
53
60
50
49
51
45
28
22
24
23
24
26
33
–
7
–
6
6
6
–
–
19
–
21
21
17
–
Full time .................................................................
Part time ................................................................
52
48
23
8
7
17
18
28
Union .....................................................................
Nonunion ...............................................................
44
59
21
24
12
2
23
14
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
50
49
56
49
51
25
25
20
26
18
3
3
6
8
13
22
23
18
17
18
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
51
49
45
36
70
70
69
53
22
22
24
29
–
–
–
21
8
8
9
6
16
–
–
8
19
21
23
29
–
11
14
17
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
53
63
–
51
47
52
35
32
40
20
29
19
–
–
–
9
10
8
–
6
–
20
14
21
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2011—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
State government ..................................................
Local government ..................................................
Commercially
insured
Legally
required
Other
83
38
–
29
11
6
–
27
–
25
48
60
56
37
76
46
10
20
–
41
58
13
–
25
–
–
–
–
8
–
40
32
–
–
–
3
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
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/glossary20102011.htm.
Table 24. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011
(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 ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
12
12
9
88
88
91
11
15
17
14
14
13
89
85
83
86
86
87
Full time .................................................................
Part time ................................................................
13
10
87
90
Union .....................................................................
Nonunion ...............................................................
15
10
85
90
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
10
9
13
12
15
90
91
87
88
85
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
13
11
9
9
5
26
29
17
87
89
91
91
95
74
71
83
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
13
18
12
87
82
88
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
12
13
88
87
–
30
19
–
15
5
100
70
81
100
85
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North 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/glossary20102011.htm.
Table 25. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2011
(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
3
(1)
84
8
4
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 ...
–
–
–
–
–
–
83
83
76
7
6
5
6
6
12
–
3
–
–
–
–
–
–
–
–
–
–
–
–
71
85
82
85
85
85
77
3
9
–
10
10
11
–
16
–
–
3
3
–
–
Full time .................................................................
Part time ................................................................
3
4
(1)
–
84
82
8
8
4
–
Union .....................................................................
Nonunion ...............................................................
5
–
1
–
80
89
9
8
6
1
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
3
–
3
–
–
–
–
–
–
–
87
90
84
84
81
7
2
11
8
7
–
–
–
1
10
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
3
–
–
5
–
–
–
2
(1)
–
–
–
–
–
–
–
84
83
83
82
85
85
93
86
8
6
5
–
11
11
7
11
4
7
7
9
–
–
–
–
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
–
4
–
–
–
1
–
(1)
89
84
99
83
85
83
–
–
–
9
11
9
–
–
–
4
–
5
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2011—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
–
–
–
–
83
85
17
5
–
6
–
3
3
–
–
–
–
–
–
–
–
–
–
–
96
83
77
83
85
96
86
–
–
16
–
–
–
8
–
12
–
–
–
–
4
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
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/glossary20102011.htm.
Table 26. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2011
(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
18
24
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 ...
83
80
77
–
20
20
–
24
24
–
26
26
–
48
52
–
52
52
17
20
23
76
87
88
82
82
87
72
20
18
–
13
–
–
–
22
24
–
22
–
–
–
26
26
–
26
–
–
–
52
26
–
26
–
–
–
52
52
–
52
–
–
–
24
13
12
18
18
13
28
Full time .................................................................
Part time ................................................................
84
83
–
20
–
26
–
26
–
26
–
26
16
17
Union .....................................................................
Nonunion ...............................................................
78
90
20
13
26
22
26
26
26
52
52
52
22
10
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
85
79
89
83
78
18
18
18
15
20
21
20
25
26
24
26
26
26
26
26
26
26
26
52
26
52
52
52
52
52
15
21
11
17
22
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Public administration .........................................
83
80
78
74
89
92
88
18
–
20
20
25
–
–
24
–
24
22
26
–
–
26
–
26
26
26
–
–
26
–
52
52
26
–
–
52
–
52
52
52
–
–
17
20
22
26
11
8
12
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
83
85
82
18
12
20
24
20
25
26
26
26
26
26
26
52
52
52
17
15
18
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2011—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
95
79
–
15
–
22
–
26
–
26
–
52
5
21
77
56
96
91
26
–
–
–
26
–
–
–
26
–
–
–
26
–
–
–
26
–
–
–
23
44
4
9
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/glossary20102011.htm.
Table 27. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2011
(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
–
30
8
31
18
12
61.0
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
40
10
11
8
29
26
21
13
14
9
15
17
21
61.0
61.8
62.5
60.0
60.0
60.0
–
–
–
–
–
–
–
47
30
33
23
22
31
35
4
5
–
7
8
–
–
16
34
38
36
36
31
29
10
24
20
26
25
–
–
23
7
8
8
9
–
–
61.9
60.5
60.2
61.0
61.1
62.9
60.3
58.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
29
44
7
20
33
9
18
23
13
–
61.3
57.7
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
20
42
8
7
37
26
25
11
11
14
61.8
60.1
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 ............................................
–
–
–
–
–
35
42
29
32
27
5
4
8
6
11
33
31
34
32
27
16
12
20
19
17
11
–
8
10
19
60.2
59.4
60.4
60.2
62.9
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
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
30
34
38
44
22
17
19
26
8
12
12
5
32
–
–
4
31
26
21
23
–
45
43
36
18
13
11
12
8
22
–
28
12
16
19
17
–
–
–
7
61.1
61.6
61.8
60.4
65.8
60.5
60.0
60.7
60.0
60.0
60.0
60.0
58.0
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 ..........................................
–
–
–
–
–
–
40
51
–
29
29
29
–
–
–
9
–
11
41
39
46
30
42
27
–
–
27
18
14
19
2
–
5
14
13
14
57.2
55.6
60.0
61.6
61.1
61.7
60.0
50.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2011—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
35
17
4
42
27
10
21
–
13
61.9
60.7
60.0
60.0
–
–
–
–
–
–
–
–
20
46
61
–
–
20
–
3
–
–
–
–
30
–
22
30
21
60
52
43
–
50
–
3
–
19
–
59
4
–
15
–
–
–
78.0
61.9
59.2
58.4
62.6
66.2
57.3
70.0
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
New England .........................................................
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/glossary20102011.htm.
Table 28. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2011
(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
71
$135
$200
$559
$808
$1,662
29
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 ...
73
73
75
–
170
170
–
200
476
–
692
692
–
831
831
–
1,662
1,662
27
27
25
71
67
61
74
74
62
58
170
135
135
135
135
–
170
476
200
200
200
200
–
170
692
500
521
500
500
–
550
750
692
692
692
692
–
692
2,000
1,500
1,500
1,662
1,662
–
1,000
29
33
39
26
26
38
42
Full time .................................................................
Part time ................................................................
71
65
170
135
200
185
600
200
831
476
1,662
850
29
35
Union .....................................................................
Nonunion ...............................................................
79
62
135
–
184
–
476
–
831
–
1,662
–
21
38
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
66
58
71
75
70
185
–
135
170
135
450
–
200
200
185
692
–
502
600
550
700
–
692
750
917
1,500
–
1,662
1,662
1,662
34
42
29
25
30
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
71
70
72
71
62
60
71
135
–
185
185
135
–
135
200
–
476
500
170
–
200
559
–
692
692
502
–
546
831
–
808
831
961
–
917
1,662
–
1,500
1,500
1,662
–
1,662
29
30
28
29
38
40
29
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
66
71
58
71
56
75
135
–
135
135
–
135
462
–
546
200
–
200
692
–
1,000
559
–
546
692
–
1,662
831
–
769
1,662
–
1,662
1,662
–
1,500
34
29
42
29
44
25
Establishment characteristics
See footnotes at end of table.
Table 28. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2011—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
80
67
$135
–
$185
–
$546
–
$692
–
$1,662
–
20
33
87
20
81
69
67
84
170
500
–
462
692
–
200
550
–
625
1,000
–
450
900
–
625
1,500
–
559
1,039
–
692
2,310
–
831
1,500
–
1,000
2,500
–
13
80
19
31
33
16
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/glossary20102011.htm.
Table 29. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011
(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
19
21
81
81
79
22
17
18
16
17
78
83
82
84
83
Full time .................................................................
Part time ................................................................
17
20
83
80
Union .....................................................................
Nonunion ...............................................................
18
17
82
83
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
22
15
15
20
19
81
78
85
85
80
81
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
18
19
20
21
17
13
15
16
82
81
80
79
83
87
85
84
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
16
19
82
84
81
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2011—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
20
17
80
83
6
36
7
50
94
64
93
50
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Mountain ................................................................
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/glossary20102011.htm.
Table 30. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2011
(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
4
3
–
1
1
2
1
1
–
96
93
93
94
93
97
95
–
5
6
5
6
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
94
93
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
95
93
94
95
96
6
4
5
5
2
–
–
–
–
1
2
–
–
–
–
1
1
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
94
94
95
96
91
93
93
93
4
3
3
–
–
–
–
6
1
–
–
2
–
–
–
–
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 ..........................................
89
86
93
95
96
94
7
–
–
3
2
4
3
5
–
1
–
–
–
–
–
1
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March
2011—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
1
1
–
1
99
95
87
96
98
87
98
98
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
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/glossary20102011.htm.
Table 31. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2011
(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
–
–
60.9
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
15
–
38
36
33
26
27
28
–
–
15
–
–
–
61.3
61.4
61.9
60.0
60.0
62.0
15
21
19
19
19
19
21
31
45
48
46
44
45
55
28
19
19
18
18
22
–
18
10
–
–
–
–
–
8
6
–
–
–
–
–
62.0
60.6
60.7
60.2
60.2
60.2
60.1
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
16
37
42
22
24
–
–
16
–
–
61.0
59.7
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
21
14
40
43
–
30
16
–
–
–
61.2
60.7
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 ........................................
17
19
19
15
18
21
42
42
41
42
40
40
25
24
22
25
20
19
12
–
–
–
–
–
4
–
–
–
–
–
60.7
60.0
60.7
61.3
60.9
59.5
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
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
17
17
15
16
13
23
26
19
41
38
35
31
46
56
53
46
23
24
27
29
20
–
–
22
–
–
–
16
–
–
–
11
–
–
–
7
–
–
–
2
61.0
61.2
61.7
61.9
61.3
58.0
57.8
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
39
35
43
42
43
41
23
–
–
23
16
26
16
–
–
–
14
–
–
–
10
–
5
–
62.0
61.9
62.2
60.8
60.1
61.0
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 31. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2011—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
46
40
25
22
–
14
–
5
61.6
60.7
60.0
60.0
13
49
–
7
–
–
–
14
57
19
46
37
60
78
38
47
–
–
–
53
12
–
21
25
20
14
–
–
–
–
36
–
–
–
–
–
–
–
–
–
60.9
57.7
62.5
61.4
58.9
59.2
63.6
61.2
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/glossary20102011.htm.
Table 32. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2011
(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
65
$1,500
$3,900
$5,000
$6,000
$10,000
35
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 ...
67
66
66
–
–
1,500
–
–
3,500
–
–
5,000
–
–
6,000
–
–
8,750
33
34
34
63
62
63
60
60
66
74
–
2,333
–
–
–
–
–
–
3,900
–
–
–
–
–
–
5,000
–
–
–
–
–
–
7,500
–
–
–
–
–
–
10,000
–
–
–
–
–
37
38
37
40
40
34
26
Full time .................................................................
Part time ................................................................
66
53
–
2,333
–
4,000
–
5,000
–
6,000
–
10,000
34
47
Union .....................................................................
Nonunion ...............................................................
62
68
2,100
–
3,333
–
5,000
–
6,000
–
9,100
–
38
32
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
60
64
65
68
70
–
–
–
–
2,000
2,500
–
–
–
–
3,900
4,000
–
–
–
–
5,000
5,000
–
–
–
–
6,667
7,000
–
–
–
–
10,000
10,000
38
40
36
35
32
30
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
65
65
65
64
63
62
1,500
–
1,500
–
–
–
3,900
–
3,750
–
–
–
5,000
–
5,000
–
–
–
6,000
–
6,000
–
–
–
10,000
–
9,100
–
–
–
35
35
35
36
37
38
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
67
73
61
65
60
67
–
–
3,000
1,500
–
1,500
–
–
3,900
3,900
–
3,900
–
–
4,500
5,000
–
5,000
–
–
5,000
6,500
–
6,667
–
–
7,500
10,000
–
10,000
33
27
39
35
40
33
Establishment characteristics
See footnotes at end of table.
Table 32. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2011—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
60
67
–
$1,500
–
$3,900
–
$5,000
–
$6,000
–
$9,000
40
33
78
45
60
80
46
62
1,000
2,500
3,000
–
–
3,000
3,000
4,400
4,000
–
–
5,000
5,000
5,000
5,000
–
–
5,000
6,111
7,000
5,000
–
–
7,000
7,500
10,000
6,500
–
–
10,000
22
55
40
20
54
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/glossary20102011.htm.