Table 17. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2010
(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
62
60
96
37
36
98
33
32
95
79
85
76
74
77
84
74
72
98
98
98
97
42
55
38
22
42
54
37
22
98
98
98
99
52
61
49
39
50
58
47
38
96
96
96
97
79
73
40
74
60
49
67
62
78
71
37
71
58
45
65
59
98
98
94
96
96
92
97
96
18
35
23
25
36
29
40
37
18
34
21
24
36
29
40
36
99
99
95
98
98
97
98
97
39
51
15
23
33
20
40
26
38
49
14
22
31
18
38
25
98
97
94
95
95
91
95
96
53
70
65
70
60
50
68
63
68
58
94
97
97
97
96
30
44
46
52
39
29
43
45
52
39
97
98
98
99
98
18
35
28
31
25
17
33
27
29
24
96
97
95
96
94
Full time .................................................................
Part time ................................................................
76
16
74
14
97
90
43
15
42
15
98
97
41
7
39
7
95
93
Union .....................................................................
Nonunion ...............................................................
84
58
83
56
98
96
47
35
47
34
99
97
35
33
34
31
97
95
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
30
16
65
75
83
86
27
14
63
73
82
85
91
88
96
97
98
98
18
14
37
45
49
51
17
13
36
44
49
51
95
92
97
98
98
99
9
4
30
42
55
58
8
4
29
40
53
56
93
96
94
95
96
97
Goods-producing industries ...................................
72
70
97
52
51
98
34
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 .........................................
60
70
77
76
84
65
86
82
58
67
75
75
80
62
84
80
96
97
98
98
96
96
98
98
34
27
23
19
30
31
43
28
33
27
22
19
29
30
42
27
97
98
99
99
98
98
98
98
33
38
40
35
52
36
59
31
31
36
38
34
50
34
57
30
95
95
96
97
95
94
96
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 2010—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
44
39
57
78
71
86
41
37
55
76
68
84
95
95
95
97
96
98
27
25
34
45
42
48
26
24
33
44
41
48
97
96
97
98
98
98
21
19
30
44
36
51
20
17
29
42
34
49
95
94
97
95
95
96
60
60
66
63
64
67
61
62
57
58
59
63
62
62
65
57
59
55
97
99
96
97
97
96
94
96
97
36
68
40
28
33
29
26
27
28
35
67
38
27
32
28
25
26
27
98
100
96
98
96
96
96
98
98
35
30
37
36
35
33
31
34
29
34
29
35
35
33
32
30
32
28
95
97
95
96
95
96
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 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, 2009." 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/glossary20092010.htm.
Table 18. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2010
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
6
4
6
9
94
96
94
91
9
4
10
10
6
8
5
8
91
96
90
90
94
92
95
92
10
6
5
5
5
90
94
95
95
95
Full time .................................................................
Part time ................................................................
7
4
93
96
Union .....................................................................
Nonunion ...............................................................
6
7
94
93
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
16
6
6
5
6
90
84
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
4
3
11
93
94
91
91
96
97
89
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 2010—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
6
6
7
6
6
7
94
94
93
94
94
93
9
4
7
4
7
15
6
7
4
91
96
93
96
93
85
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, 2009." 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/glossary20092010.htm.
Table 19. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2010
(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
54
2
40
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 ..................
60
67
57
37
3
3
3
2
34
26
37
55
2
2
3
5
1
2
1
1
32
67
45
38
62
61
63
37
1
–
1
2
2
2
2
1
61
29
48
53
33
35
32
57
6
2
4
5
2
1
2
4
1
–
1
2
1
1
1
1
21
49
43
42
44
1
1
1
1
1
72
46
49
50
48
5
3
5
5
5
1
1
1
1
1
Full time .................................................................
Part time ................................................................
54
49
2
1
39
46
3
2
1
2
Union .....................................................................
Nonunion ...............................................................
36
59
1
2
54
36
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 ........................................
47
42
52
54
58
60
1
–
2
2
3
4
48
51
43
40
34
33
3
6
2
3
4
2
(3)
–
1
1
1
1
Goods-producing industries ...................................
42
2
50
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 .........................................
56
51
40
31
57
61
76
39
2
2
2
1
4
2
2
3
38
43
52
62
32
34
19
49
3
3
5
5
4
2
–
6
1
1
1
1
2
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 2010—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
44
43
46
59
59
59
2
2
1
2
2
3
51
52
50
34
37
32
2
2
3
4
2
5
1
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 ....................................................................
58
57
50
52
61
55
53
49
48
3
2
2
2
2
–
2
1
3
34
36
43
42
33
36
42
48
46
3
5
4
3
3
6
2
–
2
1
1
(3)
(3)
2
–
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, 2009." 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/glossary20092010.htm.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2010
(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
14
23
4
1.4
1.0
1
1
1
–
55
53
56
47
15
15
15
23
25
26
25
27
5
6
4
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
1.5
–
–
1
–
(3)
–
(3)
2
48
69
59
52
64
73
60
60
25
12
18
20
11
9
12
12
25
14
19
19
21
16
23
23
2
–
3
9
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
–
2
1
1
1
54
62
58
52
64
12
13
17
17
18
31
20
22
28
16
–
3
2
2
1
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
58
69
14
9
23
16
4
5
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
1
61
58
17
14
17
24
4
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
66
56
62
58
55
49
15
–
14
14
14
15
17
–
21
22
26
29
–
–
3
4
4
5
1.3
1.4
1.3
1.4
1.4
1.5
1.0
1.0
1.0
1.0
1.0
–
Goods-producing industries ...................................
1
48
17
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
2
2
–
60
60
46
43
47
68
72
53
14
16
22
26
16
13
12
24
22
20
29
29
29
16
13
17
3
2
3
1
4
2
1
–
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 2010—Continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
1
1
1
–
1
57
57
58
59
61
57
13
13
14
14
14
15
23
23
23
23
21
24
6
6
5
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
2
3
–
–
(3)
–
–
–
1
63
54
57
55
60
49
59
68
61
12
20
14
15
13
18
12
12
11
18
18
25
23
23
31
26
17
23
4
5
–
–
3
2
–
–
4
1.3
1.4
1.4
1.4
1.4
1.4
1.4
1.3
1.3
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 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,
2009." 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/glossary20092010.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2010
(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
$5,000
$10,000
$16,000
$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 ...................................................................
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 ..................
10,000
5,000
5,000
5,000
6,000
5,000
8,000
10,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
10,000
20,000
15,000
15,000
10,000
15,000
15,000
20,000
15,000
50,000
35,000
25,000
25,000
25,000
25,000
30,000
25,000
50,000
50,000
45,000
45,000
50,000
50,000
50,000
50,000
9,000
10,000
10,000
10,000
7,500
10,000
10,000
10,000
10,000
10,000
20,000
15,000
15,000
20,000
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 ................................................................
7,500
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
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
10,000
5,000
5,000
6,000
10,000
10,000
10,000
15,000
15,000
20,000
24,000
25,000
25,000
30,000
50,000
50,000
50,000
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
15,000
20,000
20,000
15,000
15,000
20,000
30,000
40,000
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 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2010—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
7,500
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
15,000
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
30,000
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, 2009." 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/glossary20092010.htm.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2010
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
47
34
15
4
50
52
49
44
33
35
32
23
13
11
14
19
4
2
6
14
37
42
37
46
50
52
49
40
26
37
32
35
32
28
33
38
–
16
27
13
16
19
16
15
–
5
4
5
2
1
3
8
27
48
45
47
44
40
36
40
41
38
19
12
12
9
14
14
4
3
3
4
Full time .................................................................
Part time ................................................................
47
39
36
17
13
41
4
3
Union .....................................................................
Nonunion ...............................................................
45
47
29
35
15
16
11
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 ........................................
38
34
45
46
52
54
31
20
37
38
30
29
30
45
14
13
13
12
2
1
3
4
5
5
Goods-producing industries ...................................
47
40
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 .........................................
47
39
48
34
67
35
49
54
33
35
25
28
20
40
30
22
17
18
11
–
11
22
16
8
4
8
16
–
2
3
6
16
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 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2010—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
34
31
38
53
47
59
38
37
39
32
38
27
26
29
20
10
12
8
2
2
3
5
3
6
53
20
58
57
56
56
60
57
52
43
22
36
40
41
43
37
41
35
–
53
–
–
–
–
–
–
10
–
5
6
3
3
–
3
–
3
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 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, 2009." 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/glossary20092010.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2010
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
19
81
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
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 ..................
15
14
16
21
85
86
84
79
24
19
32
18
19
23
18
19
76
81
68
82
81
77
82
81
17
20
17
14
20
83
80
83
86
80
Full time .................................................................
Part time ................................................................
17
34
83
66
Union .....................................................................
Nonunion ...............................................................
17
19
83
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 ........................................
34
49
19
16
15
13
66
51
81
84
85
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
13
12
8
26
22
16
79
79
87
88
92
74
78
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2010—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
27
30
23
15
17
12
73
70
77
85
83
88
7
46
7
7
7
9
4
12
93
54
93
93
93
91
96
88
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 The 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, 2009." 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/glossary20092010.htm.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2010
(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
2
1
2
–
1
(2)
1
–
66
61
68
79
29
35
26
7
3
1
4
8
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 ..................
–
–
3
–
4
5
3
16
–
–
1
1
1
1
1
6
83
76
85
85
67
68
67
61
6
16
8
12
26
25
26
15
3
5
2
–
3
2
3
2
21
12
20
21
19
9
4
6
7
3
62
61
64
60
67
6
20
10
10
9
1
2
1
1
1
Full time .................................................................
Part time ................................................................
7
4
2
1
66
81
22
13
2
2
Union .....................................................................
Nonunion ...............................................................
17
4
7
1
58
70
15
23
4
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
3
1
81
90
71
66
61
60
10
5
16
21
29
33
2
–
2
2
3
3
Goods-producing industries ...................................
19
7
57
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
2
4
–
2
1
–
2
1
1
1
–
–
1
–
–
70
79
81
82
78
78
80
86
22
12
9
4
18
13
13
11
3
6
5
8
–
7
5
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2010—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
8
7
9
7
8
5
1
1
1
3
2
4
74
74
73
65
69
61
16
16
15
23
20
26
1
1
1
3
1
4
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
6
4
13
12
7
9
6
4
3
1
1
5
3
2
–
–
–
2
63
81
58
64
64
74
55
66
66
28
12
23
19
25
12
33
26
24
1
2
2
2
1
–
–
–
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, 2009." 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/glossary20092010.htm.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2010
(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
89
13
24
26
26
26
11
88
90
87
80
13
13
12
–
22
21
23
–
26
26
26
–
26
26
26
–
26
26
26
–
12
10
13
20
90
93
94
91
87
84
89
89
20
12
–
–
13
12
13
13
24
22
–
–
21
20
21
26
26
26
–
–
26
26
26
26
52
26
–
–
26
26
26
26
52
26
–
–
26
26
26
52
10
7
6
9
13
16
11
11
93
85
90
90
90
–
13
13
13
13
–
26
26
26
25
–
26
26
26
26
–
26
26
26
26
–
52
26
26
26
7
15
10
10
10
Full time .................................................................
Part time ................................................................
89
92
13
–
24
–
26
–
26
–
26
–
11
8
Union .....................................................................
Nonunion ...............................................................
85
90
13
13
26
21
26
26
26
26
52
26
15
10
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
90
86
85
13
–
13
13
13
13
24
–
21
24
25
25
26
–
26
26
26
26
26
–
26
26
26
26
26
–
26
26
26
26
9
6
8
10
14
15
Goods-producing industries ...................................
91
13
26
26
26
26
9
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 .........................................
89
89
81
76
91
94
90
88
13
13
18
20
16
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
–
11
11
19
24
9
6
10
12
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 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2010—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
91
91
92
88
89
87
12
12
12
13
12
13
20
24
13
24
20
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
9
9
8
12
11
13
93
84
88
91
93
88
82
88
25
13
12
12
–
12
12
12
26
20
13
17
–
13
13
25
26
26
26
26
–
26
26
26
26
26
26
26
–
26
26
26
26
26
26
52
–
26
26
26
7
16
12
9
7
12
18
12
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,
2009." 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/glossary20092010.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2010
(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
23
2
32
25
16
63.7
60.0
1
–
1
–
20
19
21
35
3
–
3
5
32
37
30
17
21
17
23
13
23
24
22
29
65.6
65.6
65.6
66.7
60.0
60.0
60.0
60.0
–
–
–
–
(2)
–
(2)
–
48
20
36
31
21
22
21
24
4
–
–
–
2
–
2
–
11
39
28
44
32
33
31
31
–
26
26
16
27
24
28
33
22
10
6
8
17
19
17
10
61.6
61.0
59.2
60.1
64.4
64.6
64.2
61.8
58.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
2
3
2
( )
20
26
19
18
20
–
–
1
1
1
22
37
38
41
35
44
26
26
26
24
10
10
15
11
20
62.6
61.2
63.9
62.0
66.1
66.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
21
39
2
–
34
18
25
30
17
11
64.0
61.3
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
22
23
5
1
25
34
33
23
14
17
63.2
63.7
60.0
60.0
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
–
36
55
22
20
20
19
–
–
2
3
2
–
27
19
36
36
29
29
27
22
26
25
24
22
8
3
13
16
24
27
60.2
56.9
62.8
63.7
66.2
67.3
60.0
50.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
3
14
1
37
27
19
65.1
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
–
25
27
32
42
22
24
20
27
2
5
8
4
16
3
3
4
31
28
20
20
19
33
41
36
25
23
12
15
7
29
23
25
16
16
28
19
37
9
11
8
63.3
62.6
66.0
61.5
70.5
60.6
60.7
60.5
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
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 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2010—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 ..........................................
Less than
50 percent
50 percent
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
annual
earnings
Median
fixed
percent of
annual
earnings
1
–
–
1
2
(2)
27
27
25
21
16
26
1
–
–
3
1
4
31
30
35
33
37
30
30
33
26
22
25
19
11
9
13
20
19
21
62.0
62.0
62.0
64.6
64.7
64.5
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
–
–
–
–
14
38
13
10
21
–
10
8
14
–
–
–
–
–
–
–
–
–
40
11
42
43
50
45
48
47
30
19
43
22
19
9
4
17
14
23
26
7
21
26
18
–
24
26
18
65.9
61.1
65.0
66.0
63.9
61.4
66.8
66.6
64.7
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
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 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, 2009." 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/glossary20092010.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2010
(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
70
$170
$250
$546
$1,000
$2,000
30
68
66
69
68
170
170
170
–
364
476
346
–
600
692
561
–
1,385
1,500
1,000
–
2,308
2,350
2,308
–
32
34
31
32
76
71
76
73
69
69
69
73
170
170
170
–
170
170
170
170
170
385
170
–
220
170
250
300
546
561
546
–
546
524
546
546
692
1,250
1,000
–
1,000
1,000
1,000
750
1,500
2,423
2,000
–
2,300
2,500
2,000
1,500
24
29
24
27
31
31
31
27
76
70
69
70
68
170
170
170
170
170
364
250
250
250
230
546
546
500
500
524
625
1,000
750
800
600
1,154
1,500
1,500
1,500
1,500
24
30
31
30
32
Full time .................................................................
Part time ................................................................
70
69
170
–
300
–
546
–
1,000
–
2,307
–
30
31
Union .....................................................................
Nonunion ...............................................................
74
69
170
170
200
300
490
546
550
1,000
1,500
2,308
26
31
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 ........................................
75
80
72
71
66
66
–
–
170
170
170
170
–
–
250
300
250
250
–
–
546
546
546
561
–
–
1,000
1,000
1,000
1,100
–
–
2,000
2,000
2,308
2,308
25
20
28
29
34
34
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 .........................................
71
73
64
71
59
78
68
70
170
170
170
170
170
170
170
135
201
300
476
500
185
265
400
200
546
546
692
692
561
546
576
546
1,000
1,000
831
808
1,000
1,000
1,250
959
2,307
2,000
1,500
1,500
1,500
2,000
2,423
1,662
29
27
36
29
41
22
32
30
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 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2010—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
76
80
70
66
67
65
$170
170
170
170
170
170
$170
170
170
300
364
250
$524
524
524
561
546
561
$750
750
1,000
1,292
1,155
1,500
$1,500
1,500
1,500
2,308
2,000
2,310
24
20
30
34
33
35
61
88
51
55
67
55
60
70
–
170
250
250
300
250
400
135
–
170
400
400
500
500
750
200
–
470
700
600
750
1,000
1,000
546
–
546
1,153
1,250
1,500
1,500
2,308
1,500
–
561
2,307
2,309
2,500
2,000
3,500
2,308
39
12
49
45
33
45
40
30
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2009." 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/glossary20092010.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2010
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
10
90
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
11
17
90
91
89
83
19
8
11
16
10
12
10
10
81
92
89
84
90
88
90
90
9
11
9
10
8
91
89
91
90
92
Full time .................................................................
10
90
Union .....................................................................
Nonunion ...............................................................
13
10
87
90
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
9
11
10
10
11
91
89
90
90
89
Goods-producing industries ...................................
10
90
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
13
17
20
13
9
10
16
90
87
83
80
87
91
90
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2010—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
8
9
5
11
9
13
92
91
95
89
91
87
4
8
14
7
9
7
12
20
10
96
92
86
93
91
93
88
80
90
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, 2009." 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/glossary20092010.htm.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2010
(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
92
94
95
5
6
5
3
1
1
(2)
–
(2)
(2)
(2)
–
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
96
97
96
94
94
92
94
91
–
3
4
5
6
7
5
5
–
–
1
–
1
–
1
2
2
–
(2)
–
(2)
–
(2)
1
91
91
87
85
90
5
5
4
4
5
–
2
6
8
2
–
1
3
2
3
Full time .................................................................
93
5
1
1
Union .....................................................................
Nonunion ...............................................................
85
94
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
94
94
93
92
93
4
–
5
5
6
6
–
–
1
1
2
1
–
–
(2)
(2)
1
1
Goods-producing industries ...................................
89
4
5
2
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
92
96
97
92
5
3
3
1
8
3
3
7
1
1
1
1
–
–
–
–
1
1
1
2
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2010—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
93
94
93
94
92
5
6
4
5
5
5
1
1
–
1
1
2
(2)
(2)
–
1
(2)
1
95
96
87
93
96
91
92
96
92
4
3
8
5
3
7
7
4
6
1
1
4
–
–
–
(2)
–
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, 2009." 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/glossary20092010.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2010
(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
20
60
10
7
2
59.2
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
20
18
20
14
58
63
56
43
12
11
13
22
7
7
8
14
3
1
3
7
59.3
59.3
59.2
61.4
60.0
60.0
60.0
60.0
16
35
32
21
16
16
16
22
37
53
50
53
63
64
63
62
24
8
9
17
11
12
11
7
15
–
6
–
7
7
7
7
7
–
3
–
2
2
2
2
61.5
56.6
58.0
59.7
59.7
60.0
59.7
59.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
20
23
19
17
21
66
60
69
69
69
6
8
5
6
3
–
7
5
–
5
–
2
2
–
2
59.3
58.8
58.7
58.9
58.5
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
20
61
10
7
2
59.1
60.0
Union .....................................................................
Nonunion ...............................................................
26
19
47
63
9
11
11
6
6
2
59.6
59.1
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 ........................................
26
19
18
21
21
55
64
62
58
57
8
9
10
11
12
7
7
7
7
7
3
2
3
2
2
59.1
59.0
59.4
59.1
59.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
18
67
8
6
2
59.1
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 .........................................
20
22
14
17
11
29
37
20
59
54
45
35
61
61
57
46
11
12
21
26
15
5
3
22
7
–
13
15
–
–
–
–
3
–
7
7
–
–
–
–
59.2
59.1
61.3
61.6
60.7
57.2
56.0
60.0
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
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2010—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
13
13
14
23
16
28
67
69
64
57
65
53
9
9
8
11
10
12
9
7
12
6
8
–
3
2
3
2
2
–
60.2
59.9
60.6
58.7
59.5
58.2
60.0
60.0
60.0
60.0
60.0
60.0
16
19
26
14
16
–
18
16
22
63
64
58
61
63
50
68
57
54
7
8
6
11
17
5
6
14
14
12
7
7
–
3
5
6
–
8
2
2
3
–
1
–
2
–
2
59.7
59.4
58.6
60.3
59.2
56.8
59.0
59.8
59.4
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,
2009." 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/glossary20092010.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2010
(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
79
$3,000
$5,000
$7,500
$10,000
$15,000
21
79
82
78
70
3,333
4,000
3,000
2,000
5,000
5,500
5,000
3,900
7,500
10,000
7,000
5,000
10,000
12,000
10,000
7,000
15,000
15,000
15,000
10,000
21
18
22
30
65
84
77
71
82
85
81
79
1,500
3,000
3,000
2,917
3,000
2,500
3,000
3,000
3,000
5,000
5,000
5,000
5,000
5,000
5,000
4,000
5,000
7,500
7,000
6,000
7,500
7,000
8,000
5,000
6,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
8,000
15,000
13,000
15,000
15,000
16,667
15,000
15,000
35
16
23
29
18
15
19
21
76
80
74
79
69
2,500
3,000
2,500
2,917
2,500
5,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
5,000
8,333
10,000
10,000
10,000
10,000
15,000
15,000
14,000
15,000
10,000
24
20
26
21
31
Full time .................................................................
80
3,000
5,000
7,500
10,000
15,000
20
Union .....................................................................
Nonunion ...............................................................
65
82
2,222
3,000
4,000
5,000
5,000
7,500
8,000
10,000
10,000
15,000
35
18
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
79
80
80
78
79
3,000
3,000
3,000
3,399
4,000
5,000
5,000
5,000
5,000
5,000
7,500
6,000
7,000
7,500
9,100
10,000
10,000
10,000
10,000
12,000
15,000
15,000
15,000
15,000
17,300
21
20
20
22
21
Goods-producing industries ...................................
82
2,917
5,000
7,500
11,000
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 .........................................
78
77
70
65
78
83
86
62
3,000
3,000
2,000
1,500
3,600
3,000
3,000
–
5,000
5,000
3,900
3,333
5,000
5,000
5,000
–
7,500
6,000
5,000
5,000
6,000
6,000
7,500
–
10,000
10,000
7,500
6,000
10,000
10,000
10,000
–
15,000
11,000
10,000
8,000
12,500
13,333
15,000
–
22
23
30
35
22
17
14
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 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2010—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
81
83
78
78
81
76
$3,000
3,000
3,000
3,000
3,500
3,000
$5,000
5,000
5,000
5,000
5,000
5,000
$6,000
6,500
6,000
7,500
7,000
9,000
$10,000
10,000
10,000
10,000
10,000
11,000
$15,000
15,000
10,833
15,000
15,000
15,000
19
17
22
22
19
24
85
83
69
74
82
82
74
80
4,000
3,000
3,000
3,500
2,917
3,000
4,000
4,000
5,000
5,000
5,000
5,000
4,000
5,000
5,000
5,000
7,500
7,500
6,500
6,000
6,000
7,500
7,500
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
20,000
17,300
15
17
31
26
18
18
26
20
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2009." 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/glossary20092010.htm.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2010
(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
98
35
33
96
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
81
80
79
78
77
77
97
97
97
22
20
18
22
20
18
98
98
99
37
37
37
36
35
36
96
96
97
83
75
84
81
81
90
76
82
72
83
79
79
89
75
98
97
98
97
97
99
99
15
23
23
26
26
30
21
15
22
22
26
26
29
21
99
97
97
99
99
99
100
39
27
27
34
34
41
29
38
26
26
33
33
40
28
98
96
95
97
97
98
96
Full time .................................................................
Part time ................................................................
90
23
88
22
97
94
25
12
25
11
98
97
39
12
38
11
97
95
Union .....................................................................
Nonunion ...............................................................
87
74
85
72
98
97
28
19
27
19
98
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
59
44
82
84
86
86
96
96
98
98
97
97
18
13
26
26
24
29
18
13
25
26
24
29
99
99
98
98
99
100
27
19
33
39
39
37
26
18
32
38
38
36
96
98
96
97
96
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
82
89
82
77
77
77
77
77
80
85
80
97
97
97
98
94
97
96
98
23
20
19
18
21
27
24
28
23
20
19
18
20
25
24
27
98
98
99
99
98
95
96
98
34
36
36
35
37
41
48
31
33
35
34
34
34
40
47
30
96
96
96
97
93
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
61
69
82
73
85
62
59
67
80
71
83
97
96
97
97
98
97
21
23
18
24
18
26
21
22
18
23
17
25
99
99
100
98
96
99
33
28
40
35
34
35
32
28
38
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 2010—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
97
99
35
35
33
34
94
97
72
84
78
77
84
83
76
83
76
69
84
74
76
81
78
74
82
75
96
99
95
99
97
94
98
98
99
10
41
23
12
26
–
10
23
34
10
40
22
12
26
–
9
23
33
100
99
96
100
97
–
99
100
100
18
17
51
56
43
21
16
62
30
17
16
49
55
41
20
15
59
30
97
98
97
99
94
96
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, 2009." 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/glossary20092010.htm.
Table 18. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2010
(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
11
10
10
8
7
90
89
89
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
10
10
13
88
89
90
90
87
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
14
13
11
89
89
90
91
86
87
89
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
11
10
11
11
11
89
90
89
89
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 2010—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
7
15
6
12
6
6
1
93
85
94
88
94
94
99
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, 2009." 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/glossary20092010.htm.
Table 19. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2010
(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
38
2
53
6
2
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
37
36
33
2
2
1
55
56
60
5
5
5
2
1
1
30
40
39
41
41
43
35
1
2
3
2
2
–
2
63
49
49
50
50
49
51
6
6
6
7
6
5
–
1
2
3
1
1
–
–
Full time .................................................................
Part time ................................................................
39
30
2
2
52
62
6
4
2
2
Union .....................................................................
Nonunion ...............................................................
32
44
2
2
58
47
8
4
1
2
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
41
48
42
40
33
34
1
–
2
2
2
2
52
47
47
48
60
59
4
3
6
8
4
4
1
–
3
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 .........................................
38
37
35
30
51
53
54
39
2
1
1
1
3
–
–
3
53
55
57
63
38
43
43
49
6
5
5
5
5
3
–
6
2
1
1
1
2
–
–
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 ..........................................
35
33
38
39
40
38
1
–
–
2
–
2
57
55
58
52
55
51
3
4
–
6
2
7
4
–
–
1
–
2
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 2010—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
47
35
2
1
42
56
5
6
4
1
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
37
43
47
61
51
22
31
15
–
–
–
2
–
–
–
3
48
51
46
25
–
75
64
79
14
4
6
6
–
–
–
–
–
–
–
6
–
–
–
–
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, 2009." 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/glossary20092010.htm.
Geographic areas
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2010
(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
24
26
–
1.5
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
43
42
26
27
25
27
27
29
–
3
3
1.5
1.5
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
44
49
54
48
48
56
42
27
21
15
24
25
18
27
27
24
21
26
25
21
27
2
7
11
2
2
–
–
1.4
1.5
1.5
1.4
1.4
1.4
1.5
1.5
–
1.0
1.5
1.5
1.0
1.5
Full time .................................................................
Part time ................................................................
–
–
46
54
24
23
26
18
–
–
1.5
1.4
1.5
–
Union .....................................................................
Nonunion ...............................................................
–
–
54
40
29
21
12
36
–
–
1.4
1.5
1.0
1.5
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
47
40
46
52
39
39
24
22
24
20
29
27
28
–
26
24
25
25
2
2
3
–
–
–
1.4
1.5
1.4
1.4
1.5
1.6
1.5
1.5
1.5
–
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
46
43
40
41
41
55
56
53
24
24
24
27
17
23
17
24
26
31
33
31
–
–
–
17
–
3
2
2
4
3
5
–
1.5
1.5
1.5
1.5
1.5
1.4
1.5
1.4
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 ..........................................
–
–
–
–
–
–
44
44
45
46
44
47
32
28
37
24
26
23
–
–
–
27
23
28
6
–
–
–
6
–
1.4
1.4
1.5
1.5
1.5
1.5
1.5
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 2010—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
–
–
42
48
26
24
–
24
3
–
1.5
1.4
1.5
1.5
–
–
–
–
–
–
–
25
67
38
45
37
68
72
51
12
–
21
38
–
15
9
17
–
32
24
–
–
15
4
–
3
–
–
2
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
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,
2009." 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/glossary20092010.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2010
(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 ......................
5,000
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
25,000
20,000
15,000
20,000
20,000
45,000
45,000
50,000
35,000
30,000
30,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
5,000
10,000
13,750
20,000
25,000
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 .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
25,000
25,000
25,000
30,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
20,000
20,000
20,000
10,000
20,000
15,000
20,000
40,000
40,000
45,000
27,500
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
15,000
20,000
20,000
25,000
25,000
25,000
40,000
40,000
50,000
50,000
50,000
50,000
50,000
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2010—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
$15,000
20,000
$25,000
40,000
$50,000
50,000
15,000
10,000
5,000
10,000
5,000
20,000
15,000
10,000
15,000
10,000
30,000
20,000
10,000
20,000
20,000
50,000
40,000
25,000
40,000
50,000
50,000
50,000
30,000
50,000
50,000
Geographic areas
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
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, 2009." 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/glossary20092010.htm.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2010
(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
45
20
18
22
9
11
12
18
22
21
46
52
60
50
49
48
46
30
22
24
23
24
26
32
–
7
–
6
6
–
–
–
19
–
21
20
–
–
Full time .................................................................
Part time ................................................................
51
48
23
7
7
17
18
27
Union .....................................................................
Nonunion ...............................................................
45
59
20
24
13
2
22
15
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
47
45
55
50
51
26
26
21
23
19
4
4
6
8
13
23
25
18
19
17
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
68
67
54
22
21
23
27
–
–
–
22
8
9
9
7
16
–
–
8
19
21
23
30
–
11
14
16
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
62
–
51
46
52
36
–
45
20
28
18
–
–
–
9
12
8
–
6
–
20
14
21
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2010—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
12
6
–
27
–
25
48
59
60
34
76
32
10
–
–
–
60
14
–
26
–
–
–
–
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, 2009." 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/glossary20092010.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2010
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
12
88
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
11
11
9
15
16
13
13
12
89
89
91
85
84
87
87
88
Full time .................................................................
Part time ................................................................
12
10
88
90
Union .....................................................................
Nonunion ...............................................................
15
9
85
91
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
10
8
12
12
15
90
92
88
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 .........................................
12
11
8
9
4
27
31
16
88
89
92
91
96
73
69
84
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 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2010—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
13
12
87
88
–
31
19
–
14
5
100
69
81
100
86
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, 2009." 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/glossary20092010.htm.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2010
(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
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
82
74
8
7
6
6
7
12
–
3
–
–
–
–
–
–
–
–
–
–
–
–
79
86
82
85
84
86
77
5
9
–
10
10
11
–
4
–
–
3
3
–
–
Full time .................................................................
Part time ................................................................
3
4
1
–
84
83
9
8
4
–
Union .....................................................................
Nonunion ...............................................................
5
–
1
–
79
89
9
8
6
2
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
–
–
3
–
2
–
–
–
–
1
90
89
81
86
79
5
–
13
7
8
3
–
–
1
9
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
–
4
–
–
–
–
2
1
–
1
–
–
–
–
–
84
82
82
81
84
86
92
86
8
6
6
4
12
10
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
–
3
–
–
–
1
3
(2)
89
85
97
83
85
83
–
–
–
9
10
9
–
–
–
4
–
5
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2010—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
–
4
–
1
83
84
16
5
–
6
–
3
3
–
–
–
–
–
1
–
–
–
–
–
88
83
77
83
88
96
85
–
1
16
13
–
–
8
–
12
–
–
–
–
4
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, 2009." See Technical Note for more details.
2 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/glossary20092010.htm.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2010
(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
84
15
24
26
26
52
16
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
81
77
–
20
20
–
24
24
–
26
26
–
48
52
–
52
52
17
19
23
87
86
88
82
82
86
72
20
18
–
13
12
–
–
22
24
–
22
22
–
–
26
26
–
26
26
–
–
52
26
–
26
26
–
–
52
52
–
52
52
–
–
13
14
12
18
18
14
28
Full time .................................................................
Part time ................................................................
84
83
13
21
22
26
26
26
26
26
52
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 .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
85
88
84
79
–
20
–
20
–
25
–
24
–
26
–
26
–
26
–
26
–
52
–
52
15
12
16
21
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
73
90
94
88
15
20
21
20
25
13
–
24
22
24
22
26
20
–
26
26
26
26
26
26
–
26
48
52
52
26
26
–
52
52
52
52
52
26
–
17
20
22
27
10
6
12
1 to 99 workers:
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
97
83
84
83
20
18
12
20
26
24
20
25
26
26
26
26
52
26
26
26
52
52
48
52
3
17
16
17
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2010—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
–
–
–
–
–
–
–
–
–
–
5
21
77
55
96
91
26
–
–
–
26
–
–
–
26
–
–
–
26
–
–
–
26
–
–
–
23
45
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,
2009." 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/glossary20092010.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2010
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
31
8
31
17
13
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
25
19
13
14
9
15
18
24
61.1
62.1
63.4
60.0
60.0
60.0
–
–
–
–
–
–
–
47
31
34
23
23
35
37
5
4
–
7
7
–
–
14
33
37
37
37
30
28
10
23
17
24
24
–
–
25
9
10
9
9
–
–
62.2
60.7
60.4
60.9
60.9
62.2
60.0
58.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
30
43
7
19
33
7
17
23
14
–
61.2
58.7
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
20
43
8
7
36
26
25
9
12
15
62.0
60.0
60.0
58.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
–
–
–
–
–
36
41
30
34
26
5
5
8
6
11
31
30
33
33
28
15
–
20
18
17
13
–
10
10
19
60.4
60.0
60.6
59.8
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 .........................................
–
–
–
–
–
–
–
–
31
34
38
44
22
15
–
27
8
12
12
5
31
12
–
4
31
24
20
21
14
48
47
36
17
13
11
12
6
23
–
25
13
17
20
18
–
–
–
8
61.1
61.8
62.1
60.6
66.5
59.9
59.0
60.5
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 ..........................................
–
–
–
–
–
–
42
51
–
30
29
30
–
–
–
9
–
10
41
39
44
30
41
27
–
–
–
18
15
18
2
–
5
15
13
15
57.1
55.7
59.4
61.6
61.1
61.7
60.0
–
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2010—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
–
19
36
17
4
42
26
10
20
–
13
62.2
60.5
60.0
60.0
–
–
–
–
–
–
–
–
20
47
61
–
–
21
–
3
–
–
–
–
29
–
23
30
22
57
47
43
19
50
–
3
–
–
5
68
4
11
14
–
–
–
80.5
62.0
59.1
58.0
61.8
66.7
57.3
–
67.0
60.0
50.0
60.0
60.0
60.0
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, 2009." 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/glossary20092010.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2010
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
70
$135
$200
$561
$831
$1,662
30
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 ...
72
73
73
–
170
170
–
200
476
–
692
692
–
831
831
–
1,662
2,000
28
27
27
71
67
62
73
73
57
56
170
135
135
135
135
–
170
500
200
200
200
200
–
170
692
502
546
500
500
–
550
693
692
692
692
700
–
692
2,000
1,500
1,500
1,662
1,662
–
1,000
29
33
38
27
27
43
44
Full time .................................................................
Part time ................................................................
70
62
170
135
200
185
625
200
831
476
1,662
769
30
38
Union .....................................................................
Nonunion ...............................................................
79
60
135
400
184
625
476
692
831
769
1,662
1,662
21
40
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
63
54
69
75
71
200
–
135
170
135
500
–
200
200
185
692
–
502
625
546
750
–
692
750
917
1,662
–
1,500
1,662
1,662
37
46
31
25
29
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
69
70
71
71
63
60
70
135
184
–
–
135
–
135
200
450
–
–
184
–
200
561
692
–
–
521
–
546
831
831
–
–
961
–
959
1,662
1,500
–
–
1,662
–
1,662
31
30
29
29
37
40
30
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
62
67
54
71
57
74
–
135
135
135
–
135
–
400
625
200
–
200
–
625
1,000
550
–
546
–
692
1,662
831
–
769
–
692
1,662
1,662
–
1,500
38
33
46
29
43
26
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2010—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
79
66
$135
–
$185
–
$546
–
$692
–
$1,662
–
21
34
87
19
81
62
83
170
500
500
–
–
200
550
692
–
–
450
900
692
–
–
546
1,039
692
–
–
831
1,500
2,000
–
–
13
81
19
38
17
Geographic areas
Middle Atlantic .......................................................
East 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,
2009." 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/glossary20092010.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2010
(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 ................................................................
18
22
82
78
Union .....................................................................
Nonunion ...............................................................
18
17
82
83
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
20
14
16
20
20
80
86
84
80
80
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
18
13
15
16
82
81
80
79
82
87
85
84
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
17
18
82
83
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2010—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
37
8
6
51
94
63
92
94
49
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West 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, 2009." 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/glossary20092010.htm.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2010
(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
96
4
4
2
1
1
–
1
1
–
96
93
93
93
93
97
95
–
5
6
5
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
94
93
4
5
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
96
92
95
95
96
6
4
6
4
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
95
95
96
91
93
93
92
4
3
3
–
–
–
–
7
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 ..........................................
89
86
93
95
96
94
8
–
–
4
2
4
3
5
–
1
–
–
–
–
–
1
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March
2010—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
93
87
97
98
87
100
98
92
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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, 2009." 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/glossary20092010.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2010
(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
18
41
23
–
–
60.8
60.0
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
16
16
16
37
35
32
26
27
28
–
–
–
–
–
–
61.2
61.3
61.9
60.0
60.0
62.0
16
23
22
19
19
20
23
30
44
47
46
45
44
49
28
19
20
18
18
22
–
18
9
–
–
–
–
–
8
5
–
–
–
–
–
61.9
60.1
60.0
60.2
60.2
60.0
60.2
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
17
39
42
20
24
–
–
16
–
–
60.9
59.4
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
22
15
39
42
–
30
16
–
–
–
61.0
60.6
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
18
20
20
16
18
22
39
44
42
40
41
40
27
22
21
25
20
19
–
–
–
–
14
–
–
–
–
–
7
–
60.7
60.1
60.4
61.3
60.7
59.7
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 .........................................
18
18
17
18
13
24
26
20
41
37
34
30
45
56
53
46
23
24
27
28
22
–
–
22
–
–
–
17
–
–
–
–
–
–
–
7
–
–
–
–
60.9
61.1
61.6
61.7
61.3
57.9
57.7
60.0
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 ..........................................
14
–
–
19
24
17
41
35
47
41
40
41
21
–
–
23
15
26
17
–
–
–
15
–
6
–
–
–
6
–
62.0
61.9
62.2
60.6
60.2
60.8
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2010—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
20
44
39
27
22
–
14
–
5
61.6
60.6
60.0
60.0
13
49
–
8
–
–
–
15
56
18
43
37
60
79
39
47
–
–
–
53
16
–
20
26
21
14
11
2
–
–
36
–
–
–
–
–
–
–
–
–
61.3
57.6
62.3
61.1
58.8
59.3
63.5
61.1
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,
2009." 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/glossary20092010.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2010
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
64
–
–
–
–
–
36
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
66
65
65
–
–
$1,500
–
–
$3,500
–
–
$5,000
–
–
$6,000
–
–
$8,750
34
35
35
62
62
64
59
60
65
70
–
2,000
–
–
–
–
–
–
3,900
–
–
–
–
–
–
5,000
–
–
–
–
–
–
7,500
–
–
–
–
–
–
10,000
–
–
–
–
–
38
38
36
41
40
35
30
Full time .................................................................
Part time ................................................................
65
51
1,500
2,333
3,900
4,000
5,000
5,000
6,000
7,000
9,000
10,000
35
49
Union .....................................................................
Nonunion ...............................................................
61
67
2,000
–
3,000
–
5,000
–
6,000
–
9,100
–
39
33
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
63
59
62
63
68
70
–
–
–
–
2,222
2,500
–
–
–
–
3,900
4,400
–
–
–
–
5,000
5,000
–
–
–
–
6,667
7,000
–
–
–
–
10,000
10,000
37
41
38
37
32
30
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
65
64
64
63
64
62
1,500
1,500
1,500
–
–
–
3,900
3,900
3,500
–
–
–
5,000
5,000
5,000
–
–
–
6,000
6,000
6,000
–
–
–
9,000
8,500
8,750
–
–
–
35
36
36
37
36
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
74
60
64
59
66
3,000
3,000
–
1,500
3,000
–
3,500
3,900
–
3,900
4,000
–
4,000
3,900
–
5,000
5,000
–
5,000
5,000
–
6,000
6,000
–
7,000
7,000
–
9,100
9,000
–
33
26
40
36
41
34
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2010—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
66
–
$1,500
–
$3,900
–
$5,000
–
$6,000
–
$9,000
40
34
77
43
57
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
6,500
7,000
5,000
–
–
7,000
7,500
10,000
7,500
–
–
10,000
23
57
43
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,
2009." 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/glossary20092010.htm.
Table 17. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2010
(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
59
56
96
39
38
97
33
31
95
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
78
85
74
33
58
58
48
65
58
76
84
73
31
53
56
45
63
56
98
99
98
93
90
95
92
97
95
51
60
48
23
28
37
30
43
38
51
58
47
21
28
37
29
42
37
98
97
98
94
99
98
97
98
97
58
65
55
12
16
32
20
41
24
56
62
53
12
16
31
18
39
24
95
96
95
93
95
94
91
95
96
49
68
65
70
59
46
66
62
68
57
93
97
96
97
96
29
46
47
53
41
28
45
46
52
40
97
98
98
99
98
15
34
28
31
25
14
33
27
29
24
95
97
95
96
94
Full time .................................................................
Part time ................................................................
73
15
71
13
97
89
47
15
46
15
98
97
42
6
40
6
95
93
Union .....................................................................
Nonunion ...............................................................
82
56
81
54
98
96
64
36
64
35
99
97
36
33
35
31
97
95
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 ........................................
26
13
63
72
81
84
24
12
60
70
80
84
90
87
95
97
99
99
18
14
37
48
59
61
17
13
36
47
58
60
94
92
97
98
98
99
8
4
28
42
60
65
7
4
26
40
57
62
93
97
94
95
96
96
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
72
46
81
70
42
80
97
92
98
52
25
63
51
24
62
98
98
99
34
13
41
33
12
39
96
94
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
56
58
68
48
77
92
54
55
65
43
76
91
96
94
97
91
98
100
36
35
46
28
44
48
35
34
45
27
44
48
97
98
97
97
99
100
33
24
39
12
35
87
31
22
37
11
34
84
95
93
93
90
96
97
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 2010—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 ...................................................
84
79
86
90
81
54
57
69
38
64
67
86
63
24
23
39
83
78
85
89
80
51
56
68
35
61
66
85
61
22
21
37
99
98
99
99
99
95
97
99
93
96
99
99
96
93
92
94
70
64
71
71
68
38
41
50
26
32
36
45
31
21
22
26
68
62
69
70
67
36
40
49
25
32
36
45
31
19
20
25
98
98
98
98
98
95
98
97
98
98
99
99
98
91
91
96
64
65
73
74
74
35
40
56
18
38
57
80
35
–
–
25
62
60
68
69
69
32
38
54
17
36
55
77
33
–
–
23
96
93
94
93
93
91
96
97
96
95
96
96
94
–
–
94
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
43
38
57
77
71
86
40
36
54
75
68
85
95
95
95
97
96
99
27
25
35
53
46
63
26
24
34
52
45
62
96
96
97
98
98
98
21
18
29
47
36
61
20
17
28
44
34
58
95
94
97
95
94
95
58
56
64
61
60
63
58
58
53
57
55
61
59
58
61
54
55
51
97
98
96
96
97
96
92
95
97
40
73
42
31
35
36
29
28
27
39
72
41
31
33
34
28
27
26
98
100
97
98
96
96
95
98
98
38
32
35
32
33
36
34
29
29
36
31
33
30
32
35
32
27
27
95
97
95
95
95
97
94
92
94
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, 2009." 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/glossary20092010.htm.
Table 18. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010
(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
9
6
8
5
8
97
97
97
91
94
92
95
92
11
6
5
5
5
89
94
95
95
95
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
17
6
5
4
4
90
83
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
2
4
95
94
94
92
98
96
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010—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
5
4
4
3
10
5
3
6
3
5
3
3
16
17
8
97
95
96
96
97
90
95
97
94
97
95
97
97
84
83
92
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
6
6
5
6
4
94
94
94
95
94
96
5
3
6
4
6
10
7
7
4
95
97
94
96
94
90
93
93
96
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 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, 2009." 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/glossary20092010.htm.
Table 19. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2010
(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
58
2
36
2
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 ..................
70
72
69
48
34
65
62
67
36
4
4
4
1
–
2
2
2
1
24
21
25
48
64
31
34
29
59
1
1
1
3
–
1
1
2
4
1
1
1
(1)
–
1
1
1
1
15
50
44
42
46
–
1
1
1
–
78
46
49
50
48
5
3
5
6
4
–
1
1
1
–
Full time .................................................................
Part time ................................................................
58
53
2
1
36
43
2
2
1
1
Union .....................................................................
Nonunion ...............................................................
39
61
1
2
51
34
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
39
55
55
67
70
–
–
2
2
4
5
49
55
41
40
26
22
4
5
2
2
3
1
–
–
1
1
1
1
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
42
13
48
2
–
2
50
84
43
5
2
5
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
62
55
51
54
55
78
2
2
–
2
–
2
33
40
41
42
38
18
2
2
4
2
3
–
1
1
–
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2010—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 ...................................................
82
81
85
87
82
59
63
66
50
62
61
68
62
48
48
45
4
3
3
4
2
–
2
–
–
3
5
–
2
–
–
–
12
14
10
7
14
36
33
31
46
33
31
23
33
46
45
53
–
1
1
–
1
–
–
–
–
2
2
–
2
6
7
–
–
1
1
–
1
–
–
–
–
1
2
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 ..........................................
44
43
47
67
62
71
2
2
1
3
2
4
51
52
49
27
34
20
2
2
3
3
2
3
1
1
1
1
1
1
66
62
52
54
61
57
62
53
58
4
2
2
3
2
–
2
2
3
27
33
42
42
35
34
32
44
36
–
2
4
2
2
6
2
–
2
–
1
(1)
(1)
1
–
2
–
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, 2009." 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/glossary20092010.htm.
Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2010
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
61
12
22
4
1.3
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
1
1
2
–
(2)
–
1
2
57
54
59
62
48
65
73
62
61
12
13
11
17
33
10
9
11
11
25
26
25
17
–
20
15
22
23
5
6
4
1
3
4
–
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
–
2
1
1
1
48
64
59
52
65
8
12
17
16
17
39
20
22
28
15
–
3
2
2
1
1.5
1.3
1.3
1.4
1.3
–
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
60
71
13
8
23
15
4
5
1.3
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
2
1
67
60
8
13
20
22
3
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
67
50
65
59
57
53
15
–
13
13
11
12
15
–
19
23
26
29
–
–
3
4
4
5
1.3
1.4
1.3
1.4
1.4
1.4
1.0
–
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
1
–
–
48
64
47
17
3
18
29
22
29
6
–
–
1.5
1.3
1.5
1.5
1.0
1.5
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
1
63
68
45
85
66
42
12
12
26
6
11
6
21
17
25
8
20
44
3
2
–
–
–
8
1.3
1.3
1.5
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 2010—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
5
6
2
–
–
–
67
63
64
64
64
54
51
51
53
68
60
55
69
62
62
42
8
–
–
–
–
–
14
11
–
12
16
16
11
27
29
–
17
25
25
23
28
26
33
35
30
16
17
19
15
–
–
36
8
7
7
9
4
–
2
3
–
2
3
5
2
–
–
–
1.3
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.4
1.2
1.3
1.3
1.2
1.3
1.2
1.5
1.0
1.0
1.0
1.0
1.0
–
–
–
–
1.0
1.0
1.0
1.0
1.0
1.0
1.5
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1
1
1
1
–
1
58
58
59
62
63
61
12
12
13
12
13
12
23
23
24
22
21
23
5
6
5
3
–
3
1.4
1.4
1.4
1.3
1.3
1.3
1.0
1.0
1.0
1.0
1.0
1.0
3
3
–
–
(2)
–
–
–
1
64
59
56
59
65
55
61
68
60
10
15
14
11
11
21
10
10
11
19
20
26
21
21
21
26
18
24
4
3
–
–
3
3
–
–
5
1.3
1.3
1.4
1.4
1.3
1.4
1.4
1.3
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,
2009." 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/glossary20092010.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2010
(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
$7,500
$10,000
$15,000
$25,000
$50,000
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
10,000
15,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
10,000
15,000
15,000
20,000
15,000
50,000
50,000
20,000
25,000
20,000
30,000
25,000
50,000
50,000
35,000
50,000
50,000
50,000
50,000
9,000
10,000
10,000
10,000
8,000
10,000
10,000
10,000
10,000
10,000
20,000
15,000
15,000
20,000
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
18,000
50,000
25,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
15,000
15,000
26,000
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 ............................................
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
20,000
20,000
20,000
25,000
26,000
50,000
25,000
50,000
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
25,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
6,000
5,000
10,000
5,000
7,500
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
10,000
15,000
12,500
25,000
21,000
25,000
20,000
25,000
45,000
50,000
50,000
50,000
30,000
50,000
50,000
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2010—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 ..................................
Insurance carriers and related activities ....
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
$10,000
10,000
10,000
5,000
10,000
5,000
10,000
10,000
$15,000
15,000
15,000
10,000
15,000
10,000
10,000
10,000
$25,000
30,000
25,000
15,000
25,000
15,000
15,000
15,000
$50,000
50,000
50,000
25,000
50,000
25,000
20,000
20,000
$50,000
50,000
50,000
50,000
50,000
50,000
35,000
35,000
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
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
25,000
50,000
50,000
50,000
45,000
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, 2009." 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/glossary20092010.htm.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2010
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
46
35
16
2
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 ..................
50
51
49
34
29
49
51
49
39
35
36
35
34
50
32
29
34
39
13
11
14
32
–
17
19
17
15
2
1
2
1
–
1
1
1
7
24
49
45
47
44
43
36
40
41
38
20
12
12
9
15
13
3
3
2
4
Full time .................................................................
Part time ................................................................
47
39
37
18
13
43
2
1
Union .....................................................................
Nonunion ...............................................................
45
46
32
36
16
17
7
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 ........................................
37
34
44
44
52
53
30
–
38
39
32
32
32
47
16
14
13
13
1
–
2
2
3
3
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
46
15
52
40
42
39
10
31
7
4
13
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
46
49
44
52
46
62
34
30
39
24
33
26
18
19
–
22
15
–
2
2
–
1
6
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2010—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 ...................................................
61
64
70
73
63
–
42
39
36
36
53
64
32
39
41
12
27
27
24
21
31
50
40
43
41
40
31
29
42
34
30
39
–
–
6
–
–
25
–
17
–
22
–
7
23
–
–
49
–
–
(3)
–
–
–
–
–
–
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 ..........................................
33
30
39
54
47
60
38
38
38
34
39
29
27
30
21
10
12
8
2
2
2
2
2
3
54
20
59
57
56
56
60
60
46
43
23
38
40
43
43
37
38
40
–
56
–
–
–
–
–
–
11
–
2
3
3
1
–
3
–
3
Geographic areas
New England .........................................................
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, 2009." 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/glossary20092010.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010
(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 ..................
16
14
17
35
20
23
18
19
84
86
83
65
80
77
82
81
19
20
17
14
21
81
80
83
86
79
Full time .................................................................
Part time ................................................................
18
36
82
64
Union .....................................................................
Nonunion ...............................................................
18
20
82
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 ........................................
36
52
22
17
15
14
64
48
78
83
85
86
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
13
26
11
87
74
89
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
22
23
17
29
20
9
78
77
83
71
80
91
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010—Continued
(All workers with short-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 ..............
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 ...................................................
20
8
7
6
6
15
11
26
25
24
12
25
42
43
54
80
92
93
94
94
85
89
74
75
76
88
75
58
57
46
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
28
30
23
15
17
12
72
70
77
85
83
88
7
48
6
7
9
10
3
14
93
52
94
93
91
90
97
86
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, 2009." 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/glossary20092010.htm.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2010
(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
22
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 ..................
1
2
1
3
–
4
5
3
17
1
(1)
1
2
–
1
1
1
7
62
58
64
84
88
66
68
65
59
33
38
31
8
9
27
25
28
15
2
1
3
2
–
3
2
3
2
24
12
20
21
20
11
4
6
8
–
58
60
63
60
67
6
21
10
10
9
2
2
1
1
–
Full time .................................................................
Part time ................................................................
8
4
3
1
64
81
23
13
2
1
Union .....................................................................
Nonunion ...............................................................
22
4
9
1
50
69
17
23
3
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 ........................................
6
2
10
10
5
3
2
–
2
2
3
1
82
91
71
65
58
58
9
4
16
22
32
37
1
–
2
2
2
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
19
24
19
7
–
7
57
65
56
16
5
16
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
4
9
8
6
18
6
1
2
3
–
–
–
68
69
63
74
70
44
24
18
22
18
10
41
2
1
3
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2010—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
–
–
–
–
2
–
–
2
3
2
1
4
4
7
–
(1)
1
1
–
–
–
–
–
1
–
–
1
–
–
–
43
48
43
35
53
82
70
74
79
78
81
74
77
90
90
86
51
50
55
63
46
–
27
25
–
14
16
24
13
3
–
6
5
(1)
–
–
–
–
–
–
–
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 ..........................................
8
7
10
7
9
6
1
1
1
3
2
4
73
74
72
62
68
55
17
17
16
26
20
31
1
1
1
3
1
4
6
4
14
13
8
9
6
5
4
1
1
5
3
2
–
–
–
2
62
81
56
62
61
74
53
62
61
29
13
24
19
27
12
34
29
28
1
1
2
3
2
–
–
–
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, 2009." 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/glossary20092010.htm.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2010
(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
90
13
24
26
26
26
10
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 ..................
89
89
88
95
94
88
84
89
89
12
13
12
13
12
13
12
13
13
21
20
22
26
12
21
20
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
30
11
11
12
5
6
12
16
11
11
94
86
91
90
91
13
13
13
13
13
26
26
26
26
25
26
26
26
26
26
26
26
26
26
26
26
39
26
26
26
6
14
9
10
9
Full time .................................................................
Part time ................................................................
89
93
13
–
24
–
26
–
26
–
26
–
11
7
Union .....................................................................
Nonunion ...............................................................
87
90
13
12
26
21
26
26
26
26
52
26
13
10
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 ........................................
92
95
92
91
87
87
13
–
13
13
13
13
24
–
21
24
25
25
26
–
26
26
26
26
26
–
26
26
26
26
26
–
26
26
26
26
8
5
8
9
13
13
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
91
95
90
13
13
13
26
26
26
26
26
26
26
26
26
26
26
26
9
5
10
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Information .........................................................
89
87
90
81
74
12
13
12
12
13
22
21
20
13
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
11
13
10
19
26
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2010—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance .................
87
87
86
88
90
91
91
95
93
12
13
13
13
12
12
12
12
12
20
20
20
17
13
13
13
13
24
26
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
13
13
14
12
10
9
9
5
7
91
94
12
13
24
24
26
26
26
26
26
26
9
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 ..........................................
91
91
92
89
89
88
12
12
12
13
13
13
20
24
13
24
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
9
9
8
11
11
12
95
87
88
90
92
87
83
87
24
13
12
12
–
12
12
13
26
20
13
13
–
13
13
25
26
26
26
26
–
26
26
26
26
26
26
26
–
26
26
26
26
26
26
26
–
26
26
26
5
13
12
10
8
13
17
13
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,
2009." 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/glossary20092010.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2010
(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
1
33
26
17
64.0
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
–
(1)
–
1
–
17
17
17
37
–
21
22
21
22
1
–
1
–
–
2
–
2
–
33
36
32
27
51
31
33
31
31
23
19
26
27
–
27
24
29
35
25
27
23
6
5
18
19
18
9
66.7
66.9
66.6
58.9
59.7
64.7
64.7
64.7
61.7
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
2
3
(1)
16
26
18
18
19
–
–
1
1
1
23
36
38
41
35
49
27
26
26
25
7
9
15
11
20
62.4
61.3
64.0
62.0
66.4
66.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
20
39
1
–
35
19
26
31
18
11
64.4
61.5
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
2
1
24
22
3
1
19
35
38
25
15
17
64.0
64.1
65.0
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
–
38
55
22
18
18
17
–
–
1
2
1
–
26
19
36
37
30
29
27
23
27
26
25
25
8
2
13
17
25
27
59.8
56.6
62.9
64.3
66.9
68.2
60.0
50.0
60.0
60.0
65.0
66.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
3
–
3
14
19
12
1
–
1
37
16
41
27
52
24
19
8
21
65.2
63.3
65.5
60.0
66.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
–
–
–
–
–
24
21
12
25
23
–
1
–
–
–
–
–
32
31
40
28
27
–
26
27
32
27
17
35
16
20
13
18
31
37
63.8
65.6
64.4
64.2
69.9
71.2
60.0
60.0
60.0
60.0
60.0
67.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2010—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
–
–
2
–
–
–
23
16
14
17
10
–
16
13
22
24
20
23
24
49
52
45
–
–
–
–
–
–
–
–
–
2
2
–
3
1
1
–
31
33
30
31
34
45
38
38
37
30
20
24
32
28
25
–
27
21
22
25
20
–
31
31
36
27
15
7
30
18
18
24
19
28
32
25
34
–
14
17
1
15
44
46
9
4
4
7
64.3
67.8
69.4
67.4
70.1
61.7
64.3
65.9
59.9
62.9
74.0
74.2
60.7
57.2
56.9
58.7
60.0
60.0
66.0
60.0
66.0
60.0
60.0
60.0
60.0
60.0
67.0
67.0
60.0
58.0
50.0
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
2
1
( )
26
26
25
19
15
24
1
–
–
1
1
2
31
29
34
34
36
31
31
33
26
23
26
20
11
10
14
21
20
23
62.2
62.3
62.2
65.3
65.0
65.6
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
–
–
–
–
15
40
9
8
13
–
8
–
12
–
–
–
–
–
–
–
1
–
42
9
43
45
56
47
47
47
26
19
42
24
19
11
4
19
13
29
23
7
23
25
19
–
24
26
24
65.1
61.0
65.7
66.1
65.1
60.2
67.3
66.5
67.3
60.0
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
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, 2009." 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/glossary20092010.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2010
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
70
$170
$250
$546
$1,000
$2,300
30
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 ..................
67
65
68
78
68
69
68
75
170
170
170
–
170
170
170
170
381
417
350
–
250
170
300
300
561
750
561
–
546
524
546
546
1,500
1,750
1,385
–
1,000
1,000
1,000
1,000
2,500
2,500
2,350
–
2,308
2,500
2,000
1,500
33
35
32
22
32
31
32
25
82
71
70
70
69
170
170
170
170
170
400
250
250
250
250
546
546
500
500
502
561
1,000
750
800
600
1,154
1,500
1,500
1,500
1,500
18
29
30
30
31
Full time .................................................................
Part time ................................................................
70
70
170
170
300
170
546
350
1,154
546
2,308
561
30
30
Union .....................................................................
Nonunion ...............................................................
71
70
170
170
201
250
490
546
546
1,100
1,000
2,308
29
30
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 ........................................
76
80
73
70
65
65
–
–
170
170
170
170
–
–
250
340
346
350
–
–
546
546
546
560
–
–
1,000
1,000
1,200
1,500
–
–
2,000
2,300
2,308
2,350
24
20
27
30
35
35
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
65
87
60
170
170
175
300
260
300
524
546
515
1,000
561
1,000
1,500
1,500
1,500
35
13
40
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
72
68
73
68
62
57
170
170
170
170
170
170
250
200
364
170
200
170
546
500
546
500
500
300
1,000
600
800
561
577
524
2,308
1,500
1,385
2,500
1,000
715
28
32
27
32
38
43
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2010—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
61
56
62
54
78
77
79
86
74
50
43
79
–
$170
170
170
–
–
170
–
–
170
–
–
170
–
$500
500
500
–
–
459
–
–
300
–
–
300
–
$900
750
1,000
–
–
561
–
–
546
–
–
546
–
$2,309
2,309
2,500
–
–
1,500
–
–
1,000
–
–
1,000
–
$3,000
3,000
3,846
–
–
2,500
–
–
2,000
–
–
2,000
52
39
44
38
46
22
23
21
14
26
50
57
21
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
77
80
70
65
68
62
170
170
170
170
170
170
170
170
170
364
364
350
524
524
524
561
546
600
750
750
800
1,500
1,154
1,500
1,500
1,500
1,500
2,309
2,000
2,500
23
20
30
35
32
38
61
88
55
56
65
54
59
66
–
170
250
250
250
230
–
200
–
170
400
350
500
500
–
470
–
470
700
500
1,000
1,000
–
546
–
546
1,153
1,250
1,750
1,500
–
1,500
–
561
2,308
2,309
2,500
2,308
–
2,326
39
12
45
44
35
46
41
34
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,
2009." 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/glossary20092010.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010
(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 ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
8
8
8
8
10
12
9
10
92
92
92
92
90
88
91
90
9
10
9
10
8
91
90
91
90
92
Full time .................................................................
9
91
Union .....................................................................
Nonunion ...............................................................
9
9
91
91
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
8
9
10
8
8
92
91
90
92
92
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10
10
10
90
90
90
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
8
12
9
8
21
92
88
91
92
79
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2010—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 ...................................................
5
9
9
11
7
7
6
9
8
10
9
8
95
91
91
89
93
93
94
91
92
90
91
92
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
9
4
9
8
11
93
91
96
91
92
89
4
8
8
7
9
7
12
8
10
96
92
92
93
91
93
88
92
90
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, 2009." 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/glossary20092010.htm.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2010
(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
92
94
97
96
94
92
94
90
6
7
5
3
–
6
7
5
6
(1)
1
–
–
–
1
–
(1)
3
(1)
(1)
–
–
–
(1)
–
(1)
2
88
91
87
85
90
6
5
4
4
5
–
2
6
8
3
–
2
3
2
3
Full time .................................................................
93
5
1
1
Union .....................................................................
Nonunion ...............................................................
78
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 ........................................
95
95
94
94
91
92
3
–
4
5
6
7
–
–
1
1
2
1
–
–
(1)
(1)
1
(1)
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
89
90
89
4
7
3
5
3
6
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
93
88
93
94
78
6
9
3
3
21
1
2
–
–
–
(1)
2
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2010—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 ...................................................
88
92
91
89
92
98
96
97
97
96
94
93
97
100
99
95
12
8
8
10
7
–
3
3
–
3
5
–
3
–
–
–
–
–
(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 ..........................................
93
93
94
92
93
91
5
6
4
5
5
5
1
1
–
2
1
2
(1)
(1)
–
1
(1)
1
95
96
87
92
96
92
91
95
92
4
3
7
6
4
6
7
5
7
–
1
4
–
–
–
(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, 2009." 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/glossary20092010.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2010
(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
20
64
8
6
2
58.8
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 ..................
21
18
22
36
–
16
16
16
22
64
65
64
53
67
65
63
66
66
8
9
7
5
–
10
12
10
4
6
6
6
–
–
7
7
7
6
1
1
1
–
–
2
2
2
2
58.7
59.1
58.5
57.1
59.0
59.7
60.0
59.6
58.8
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
18
24
19
17
21
73
63
70
69
71
–
5
5
7
2
4
6
5
–
4
–
2
2
–
2
59.5
58.5
58.6
58.9
58.3
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
21
65
7
6
2
58.8
60.0
Union .....................................................................
Nonunion ...............................................................
31
19
55
65
4
8
6
6
4
1
58.1
58.9
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 ........................................
–
19
18
22
21
55
67
67
63
62
6
7
8
8
10
7
6
6
5
6
–
1
2
1
1
59.0
58.6
59.2
58.7
58.8
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
18
12
18
67
75
65
8
–
9
6
7
6
2
–
1
59.2
60.7
59.0
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
21
20
16
21
52
64
65
66
68
27
8
7
10
–
12
6
6
6
6
4
2
3
2
–
5
58.8
59.4
58.7
60.2
55.9
60.0
60.0
60.0
60.0
50.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2010—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 ...................................................
18
17
16
15
18
19
15
10
–
25
7
9
29
20
63
61
60
57
63
69
69
72
63
64
75
73
62
69
10
15
16
19
12
–
7
–
7
5
8
9
5
–
6
6
6
7
5
–
–
9
5
5
9
7
–
7
3
2
2
2
2
–
–
–
–
(2)
2
2
–
–
59.5
59.9
60.0
60.3
59.7
58.9
59.0
59.9
58.1
57.8
60.4
60.2
57.2
59.0
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 ..........................................
13
13
14
24
15
32
69
70
65
62
69
57
8
8
7
8
9
6
8
7
11
4
6
3
2
2
2
1
1
1
60.1
59.8
60.5
58.2
59.4
57.2
60.0
60.0
60.0
60.0
60.0
60.0
17
20
20
15
17
–
18
21
24
64
64
68
68
71
49
67
64
55
7
8
5
10
7
4
6
12
12
11
–
5
6
4
5
7
–
7
2
–
1
1
1
–
2
–
2
59.2
59.2
58.8
59.6
58.7
56.5
59.0
58.4
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 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,
2009." See Technical Note for more details.
2 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/glossary20092010.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2010
(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
82
$3,500
$5,000
$8,000
$10,000
$15,000
18
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 ..................
83
84
82
83
84
86
84
82
4,500
5,000
4,000
3,000
3,000
2,500
3,600
3,000
6,000
6,000
5,000
5,000
5,000
5,000
5,000
4,000
10,000
10,000
8,000
8,000
9,000
7,000
10,000
5,000
12,000
12,500
10,000
10,000
10,000
10,000
10,500
10,000
15,000
15,500
15,000
15,000
15,000
18,000
15,000
15,000
17
16
18
17
16
14
16
18
84
80
74
79
69
2,500
3,399
2,500
2,500
2,500
5,000
4,000
5,000
5,000
5,000
5,000
5,000
7,000
7,500
5,000
8,500
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
10,000
16
20
26
21
31
Full time .................................................................
83
4,000
5,000
8,000
10,000
15,000
17
Union .....................................................................
Nonunion ...............................................................
68
83
2,917
4,000
4,000
5,000
5,000
8,333
10,000
10,000
15,000
15,000
32
17
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
82
83
83
81
81
3,000
3,000
3,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
8,000
7,500
7,500
10,000
10,000
10,000
10,000
10,000
12,000
15,000
15,000
15,000
15,000
15,500
20,000
18
17
17
19
19
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
82
94
80
2,917
–
3,000
5,000
–
5,000
8,000
–
8,750
11,000
–
12,000
15,000
–
15,000
18
6
20
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Utilities ...........................................................
82
74
80
55
65
4,000
3,000
5,000
–
3,399
5,000
5,000
5,000
–
5,000
8,000
6,000
7,000
–
10,000
10,000
10,000
10,000
–
15,000
15,000
15,000
15,000
–
15,500
18
26
20
45
35
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2010—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
85
84
85
80
83
88
85
85
86
85
67
$4,000
5,000
5,000
5,000
5,000
5,000
5,000
3,000
4,000
4,167
3,000
3,000
$4,000
7,500
8,000
7,500
7,500
6,000
6,250
5,000
5,000
5,000
5,000
5,000
$6,000
10,000
10,000
10,000
10,000
10,000
10,000
6,000
7,000
7,500
6,000
5,000
$12,000
15,000
20,000
25,000
15,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
25,000
25,000
30,000
20,000
16,600
15,000
15,000
14,000
15,000
15,000
10,000
14
15
16
15
20
17
12
15
15
14
15
33
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
82
83
80
82
85
79
3,000
3,000
3,000
4,000
4,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
6,667
7,000
6,000
10,000
7,500
10,000
10,000
10,000
10,000
12,000
10,000
15,000
15,000
15,000
12,000
15,000
15,000
17,300
18
17
20
18
15
21
86
83
75
81
82
81
85
83
4,167
3,000
3,000
4,000
3,500
4,000
4,000
4,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
8,000
7,000
10,000
7,500
8,000
8,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
12,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
20,000
17,300
14
17
25
19
18
19
15
17
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,
2009." 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/glossary20092010.htm.