Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2013
(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
60
59
97
37
36
98
33
32
96
79
86
76
74
78
85
75
72
98
99
98
97
45
59
39
22
44
58
39
22
98
99
98
99
53
62
49
39
51
61
47
38
96
98
96
97
82
76
34
70
59
47
65
61
81
76
33
67
57
44
64
60
98
99
96
96
96
93
97
97
20
36
21
28
36
28
41
38
19
36
20
27
35
27
40
38
98
99
96
96
97
95
97
99
39
50
12
22
33
20
41
29
38
48
12
22
32
18
39
28
98
96
96
96
96
92
97
98
55
67
65
72
58
53
66
62
69
56
97
98
96
96
96
34
42
46
53
40
34
41
45
52
39
100
99
98
99
98
22
35
29
33
26
21
34
28
32
25
98
97
97
97
97
Full time .................................................................
Part time ................................................................
75
15
73
13
98
88
44
15
43
14
98
95
42
5
41
5
97
94
Union .....................................................................
Nonunion ...............................................................
86
56
85
54
98
97
48
35
48
34
98
98
34
33
33
32
97
96
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
26
12
63
76
86
89
23
11
61
74
85
88
91
89
97
98
99
99
18
14
36
47
52
55
17
13
35
46
51
55
95
96
97
99
99
99
8
2
30
44
57
60
8
2
29
42
55
58
96
92
96
97
97
97
Goods-producing industries ...................................
73
71
97
53
52
99
36
35
97
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
58
68
76
76
83
62
86
83
57
66
74
75
80
61
85
82
97
98
98
98
96
98
98
99
34
28
24
21
31
30
45
27
33
27
24
21
30
29
44
26
97
98
99
99
99
97
98
99
33
37
40
35
55
35
61
31
32
36
39
35
52
34
58
30
96
96
96
97
95
96
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 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2013—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
40
36
55
79
73
85
39
34
53
77
70
83
97
96
97
97
97
98
28
26
35
45
43
47
27
25
34
44
42
47
98
98
97
98
97
99
22
19
30
44
38
50
21
18
29
42
36
48
97
97
97
96
97
96
61
59
66
59
60
67
63
59
53
59
58
64
57
59
64
60
57
52
97
99
97
96
97
95
96
97
98
39
69
40
32
33
29
28
27
24
39
69
39
31
32
28
27
26
24
98
99
97
97
97
97
97
98
98
37
32
37
38
34
30
31
37
28
36
30
35
37
33
29
30
35
27
97
96
97
98
96
97
96
95
97
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 Surveyed occupations are classified into wage categories based on the average wage
for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2013
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
5
4
5
9
95
96
95
91
9
2
8
10
6
8
6
7
91
98
92
90
94
92
94
93
6
8
4
4
4
94
92
96
96
96
Full time .................................................................
Part time ................................................................
6
5
94
95
Union .....................................................................
Nonunion ...............................................................
6
6
94
94
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
8
7
6
6
5
5
92
93
94
94
95
95
Goods-producing industries ...................................
4
96
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
6
6
9
9
3
2
10
94
94
91
91
97
98
90
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2013—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution not
required
7
7
6
5
5
5
93
93
94
95
95
95
9
4
6
4
6
13
5
7
4
91
96
94
96
94
87
95
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 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the
National Compensation Survey publication,
"Employer Costs for Employee Compensation March 2013."
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/glossary20122013.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2013
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
56
2
39
3
1
63
70
60
38
2
2
2
1
31
25
34
54
2
2
2
5
1
1
1
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
32
74
46
38
61
58
61
38
1
2
1
3
2
–
2
1
60
23
49
54
34
35
34
56
5
–
3
4
2
3
2
4
2
–
1
1
(2)
–
(2)
1
21
50
46
45
47
–
1
1
1
–
72
45
47
47
47
4
4
6
7
4
–
(2)
(2)
(2)
–
Full time .................................................................
Part time ................................................................
56
55
2
2
39
38
3
4
1
1
Union .....................................................................
Nonunion ...............................................................
37
61
1
2
52
35
9
1
1
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
47
32
52
54
62
65
–
–
1
2
3
3
51
65
42
40
31
29
2
2
3
3
3
2
–
–
1
1
(2)
(2)
Goods-producing industries ...................................
45
2
47
5
(2)
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
58
53
42
32
60
63
79
36
2
1
1
1
2
–
2
3
37
42
51
60
33
34
18
53
3
3
4
4
4
1
1
7
1
1
2
2
1
–
2
( )
2
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2013—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
46
45
48
60
59
61
1
1
1
2
2
3
50
51
49
33
36
31
2
2
2
4
3
4
1
1
(2)
1
(2)
1
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
64
59
50
58
61
57
52
55
51
–
–
–
1
2
–
–
–
3
32
33
44
37
33
39
44
43
43
3
5
4
4
2
2
2
–
3
–
–
–
(2)
2
–
–
–
(2)
1 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Employee Compensation - March 2013."
Geographic areas
Costs
for
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/glossary20122013.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2013
(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
61
13
22
4
1.3
1.0
1
1
1
–
58
57
58
49
13
10
14
24
24
26
23
23
5
5
4
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
–
–
–
1
–
(3)
–
1
1
48
75
63
57
66
78
61
61
28
10
14
19
10
8
11
15
23
10
19
17
20
11
24
20
2
–
3
7
4
3
4
3
1.4
1.2
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
(3)
–
1
58
61
64
59
69
16
15
15
14
16
23
19
18
25
12
2
3
2
–
2
1.4
1.3
1.3
1.4
1.2
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
61
74
13
10
22
9
4
6
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
(3)
64
61
17
12
13
23
5
4
1.3
1.4
1.0
1.0
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
68
70
66
61
58
54
11
–
13
13
13
13
18
–
19
22
24
27
–
–
2
3
5
6
1.3
1.3
1.3
1.3
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
–
53
13
28
–
1.4
1.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
1
1
1
–
2
1
2
–
63
62
48
45
51
71
73
59
13
15
21
28
14
11
12
18
20
19
26
25
28
15
11
17
4
3
4
2
4
2
1
–
1.3
1.3
1.4
1.4
1.4
1.2
1.2
1.4
1.0
1.0
–
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 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2013—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
61
66
53
61
63
60
12
10
16
13
12
14
21
18
27
22
22
21
–
–
–
3
–
3
1.4
1.4
1.4
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
1.0
1
1
–
–
–
–
–
–
–
65
56
60
54
64
56
63
75
63
13
18
14
17
11
9
11
12
7
17
19
24
23
22
30
23
12
23
4
6
–
–
–
–
–
–
–
1.3
1.4
1.4
1.4
1.3
1.4
1.3
1.2
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount.
3 Less than 0.5.
4 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2013
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
74
$50,000
$50,000
$200,000
26
75
80
72
59
50,000
50,000
50,000
50,000
100,000
100,000
–
50,000
250,000
300,000
250,000
100,000
600,000
750,000
500,000
250,000
1,000,000
–
1,000,000
400,000
25
20
28
41
49
69
68
49
79
83
77
67
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
–
–
–
300,000
–
–
200,000
–
200,000
200,000
–
500,000
500,000
280,000
500,000
500,000
500,000
–
300,000
1,000,000
1,000,000
–
1,000,000
1,000,000
–
2,000,000
51
31
32
51
21
17
23
33
59
69
68
65
71
50,000
50,000
50,000
50,000
50,000
–
–
–
100,000
–
170,000
200,000
200,000
250,000
100,000
–
–
500,000
500,000
400,000
–
2,000,000
1,000,000
1,000,000
–
41
31
32
35
29
Full time .................................................................
Part time ................................................................
74
69
50,000
50,000
50,000
–
200,000
–
500,000
500,000
1,000,000
850,000
26
31
Union .....................................................................
Nonunion ...............................................................
61
76
50,000
50,000
50,000
–
100,000
245,000
300,000
500,000
1,000,000
1,000,000
39
24
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 ........................................
70
75
77
73
74
76
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
100,000
100,000
–
–
150,000
200,000
300,000
300,000
500,000
–
500,000
500,000
750,000
750,000
1,000,000
–
1,000,000
1,000,000
1,500,000
–
30
25
23
27
26
24
Goods-producing industries ...................................
68
50,000
100,000
300,000
700,000
–
32
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
75
69
63
48
78
73
70
49
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
50,000
200,000
200,000
100,000
–
–
250,000
350,000
100,000
500,000
500,000
250,000
200,000
–
500,000
500,000
200,000
1,000,000
–
500,000
300,000
500,000
1,000,000
1,000,000
500,000
25
31
37
52
22
27
30
51
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2013—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
76
77
73
73
79
68
$50,000
50,000
50,000
50,000
50,000
50,000
–
–
$100,000
50,000
50,000
100,000
$200,000
200,000
245,000
200,000
200,000
250,000
73
73
65
66
74
83
78
82
79
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
–
–
–
–
50,000
50,000
200,000
200,000
250,000
245,000
250,000
–
250,000
–
200,000
75th
percentile
90th
percentile
$500,000 $1,000,000
500,000 1,000,000
500,000
–
500,000 1,000,000
500,000 1,000,000
750,000 1,000,000
With no
maximum
benefit
amount
24
23
27
27
21
32
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
500,000
500,000
500,000
500,000
–
500,000
750,000
500,000
500,000
1,000,000
1,000,000
1,000,000
1,000,000
1,500,000
1,000,000
–
1,000,000
1,000,000
27
27
35
34
26
17
22
18
21
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2013
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$30,000
$50,000
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
10,000
–
–
–
15,000
10,000
10,000
25,000
25,000
20,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
5,000
–
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
–
15,000
15,000
20,000
15,000
20,000
20,000
50,000
–
25,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
10,000
20,000
–
20,000
20,000
20,000
25,000
–
25,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
5,000
20,000
10,000
30,000
20,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
20,000
20,000
40,000
25,000
50,000
50,000
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
–
–
15,000
–
20,000
20,000
25,000
30,000
20,000
20,000
25,000
–
50,000
50,000
30,000
25,000
50,000
50,000
50,000
50,000
Goods-producing industries ...................................
10,000
15,000
20,000
30,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
5,000
–
5,000
–
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
15,000
20,000
20,000
30,000
–
45,000
50,000
30,000
25,000
25,000
25,000
50,000
50,000
50,000
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 civilian workers,2
National Compensation Survey, March 2013—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
10,000
10,000
5,000
10,000
5,000
$10,000
–
10,000
10,000
10,000
10,000
$20,000
20,000
20,000
20,000
20,000
20,000
$25,000
25,000
25,000
35,000
25,000
40,000
$50,000
50,000
50,000
50,000
50,000
50,000
5,000
5,000
10,000
10,000
10,000
10,000
5,000
10,000
5,000
–
10,000
15,000
15,000
10,000
10,000
10,000
–
10,000
20,000
–
20,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
40,000
25,000
–
25,000
25,000
25,000
–
40,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 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 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
45
37
16
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 ..................
50
52
49
45
36
36
36
37
–
11
13
16
–
1
2
2
43
52
33
38
47
47
47
42
40
31
31
43
35
33
36
44
14
–
35
–
17
19
16
11
3
–
1
–
1
1
1
2
35
47
43
38
49
48
42
43
51
33
13
–
13
10
16
4
–
2
1
2
Full time .................................................................
Part time ................................................................
46
40
39
18
14
40
1
2
Union .....................................................................
Nonunion ...............................................................
47
45
34
38
15
17
4
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
32
29
43
46
52
53
32
–
41
39
35
33
35
49
16
–
12
13
1
–
1
–
2
2
Goods-producing industries ...................................
41
47
10
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
46
42
46
40
62
39
55
52
34
35
36
44
23
35
28
37
18
21
14
10
–
24
15
9
1
2
4
6
–
1
1
2
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured2
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Commercially
insured
Legally
required
Other
31
31
34
53
44
61
40
38
45
35
44
27
28
31
21
10
11
10
1
1
1
2
1
2
54
20
56
53
48
61
52
52
45
24
40
47
50
39
47
36
–
56
–
–
–
–
–
12
–
1
4
1
–
–
1
1
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 Employer assumes all risks and expenses of
providing the benefit.
3 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
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 ..................
13
10
14
13
87
90
86
87
11
16
36
21
19
24
17
15
89
84
64
79
81
76
83
85
15
14
17
14
21
85
86
83
86
79
Full time .................................................................
Part time ................................................................
16
37
84
63
Union .....................................................................
Nonunion ...............................................................
17
18
83
82
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
40
51
18
15
12
12
60
49
82
85
88
88
Goods-producing industries ...................................
12
88
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
20
21
9
7
9
28
19
18
80
79
91
93
91
72
81
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2013—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
26
29
20
14
16
11
74
71
80
86
84
89
4
47
7
7
8
5
5
13
96
53
93
93
92
95
95
87
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
6
2
70
22
1
2
2
1
–
1
1
1
–
67
59
71
84
30
37
25
8
1
1
1
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
2
4
–
3
4
3
16
–
–
1
–
1
–
1
–
85
83
88
82
68
71
68
60
6
13
6
14
27
25
28
18
–
–
1
–
1
–
1
–
29
7
16
18
13
–
–
–
–
–
54
64
69
62
76
8
25
11
13
8
–
–
–
–
–
Full time .................................................................
Part time ................................................................
6
4
2
–
68
85
23
10
1
–
Union .....................................................................
Nonunion ...............................................................
17
3
7
1
62
71
13
24
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 ........................................
5
1
7
7
4
2
2
–
1
2
2
1
84
94
74
68
62
62
9
4
17
22
31
33
1
–
1
(3)
1
2
Goods-producing industries ...................................
17
–
59
18
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
3
4
4
–
1
4
1
2
1
1
–
–
–
–
–
–
72
85
86
89
82
85
82
84
23
9
8
4
16
10
14
12
1
2
–
2
–
–
–
–
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 2013—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
6
6
6
6
7
4
2
–
–
2
1
3
75
74
77
66
71
62
16
17
14
25
20
29
(3)
–
–
1
(3)
2
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
5
4
11
6
9
6
4
2
–
–
4
1
–
–
–
2
65
85
60
68
65
58
68
69
27
10
25
25
21
34
27
24
–
–
(3)
3
( )
–
–
–
3
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 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
3 Less than 0.5.
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
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/glossary20122013.htm.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2013
(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
92
12
21
26
26
26
8
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
90
92
89
83
12
12
12
12
18
18
20
22
26
26
26
26
26
26
26
26
26
26
26
52
10
8
11
17
80
93
95
92
93
91
93
90
88
92
92
93
13
12
13
12
12
12
12
13
13
13
13
13
22
18
26
24
18
13
20
24
24
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
52
26
52
26
26
26
26
36
–
26
26
26
20
7
5
8
7
9
7
10
12
8
8
7
Full time .................................................................
Part time ................................................................
91
95
12
18
20
26
26
26
26
26
26
52
9
5
Union .....................................................................
Nonunion ...............................................................
87
93
13
12
26
18
26
26
26
26
52
26
13
7
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 ........................................
94
97
94
92
88
87
12
21
12
12
13
12
25
26
20
20
22
21
26
26
26
26
26
26
26
26
26
26
26
26
–
52
26
26
26
26
6
3
6
8
12
13
Goods-producing industries ...................................
92
13
24
26
26
26
8
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
92
91
84
78
91
95
92
87
12
12
13
13
18
12
12
–
21
21
22
21
26
18
20
24
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
26
26
52
52
26
26
26
52
8
9
16
22
9
5
8
13
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
94
94
93
91
94
88
12
12
12
13
12
13
18
21
13
22
13
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
6
7
9
6
12
90
93
87
95
94
94
94
12
21
13
12
11
12
12
13
26
20
–
12
13
–
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
10
7
13
5
6
6
6
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The 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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2013
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
1
19
2
39
26
13
62.7
60.0
1
1
1
–
19
17
20
28
2
2
2
4
39
41
39
30
21
20
21
16
18
19
17
22
63.7
64.5
63.3
64.6
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
–
2
–
–
1
1
1
1
34
21
27
41
19
16
20
16
3
2
–
–
2
2
2
1
27
51
33
29
36
39
35
44
16
15
33
25
28
29
28
28
20
9
4
4
14
13
14
9
62.5
60.0
60.1
58.6
62.8
63.0
62.7
62.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
14
18
15
13
16
–
–
–
–
–
37
48
44
43
45
35
23
26
27
25
–
7
14
14
13
64.2
61.0
63.2
62.6
63.8
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
19
24
2
–
40
32
25
35
14
5
63.0
61.1
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
18
19
5
1
32
40
33
25
10
14
61.8
62.9
60.0
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
22
24
19
21
17
18
–
–
2
2
2
2
33
29
40
39
40
38
35
42
26
23
23
20
5
2
12
14
18
21
61.0
60.9
62.5
62.5
64.1
64.9
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
1
12
1
44
24
17
63.9
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
1
1
–
–
–
2
2
–
21
27
32
37
24
23
22
29
2
4
8
4
12
2
3
–
38
36
26
29
21
42
48
31
26
19
12
13
9
23
18
32
12
13
22
17
33
8
8
5
62.5
61.5
63.8
61.1
69.4
60.1
59.8
60.0
60.0
60.0
60.0
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, civilian workers,1 National Compensation
Survey, March 2013—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
1
–
–
1
1
1
23
23
23
17
12
21
1
–
–
2
2
3
36
33
43
40
47
34
30
33
22
24
24
23
9
8
11
16
14
18
61.6
61.6
61.5
63.5
63.0
64.0
60.0
60.0
60.0
60.0
60.0
60.0
–
1
–
–
–
–
–
–
8
31
13
19
15
9
7
12
–
1
–
–
–
–
–
14
60
16
48
52
55
58
51
42
–
46
20
9
11
14
23
20
21
5
17
18
–
17
19
–
65.1
61.2
63.1
62.6
64.4
64.3
65.2
61.3
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2013
(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
75
$170
$300
$572
$1,000
$2,307
25
71
73
71
73
170
170
170
170
500
500
–
500
692
750
692
692
1,500
1,500
1,500
831
2,500
2,500
2,500
1,500
29
27
29
27
73
59
85
76
76
77
76
76
170
170
170
135
170
170
170
200
500
–
200
185
250
–
220
500
692
600
524
–
561
561
572
572
831
–
584
–
1,250
1,500
1,155
1,000
–
2,800
1,300
2,500
2,500
4,615
2,309
–
27
41
15
24
24
23
24
24
74
77
73
68
78
200
200
170
170
170
500
500
300
250
385
550
584
500
515
500
–
1,000
600
–
584
1,500
1,730
1,500
1,500
1,385
26
23
27
32
22
Full time .................................................................
Part time ................................................................
74
86
170
170
350
170
584
–
1,200
572
2,310
584
26
14
Union .....................................................................
Nonunion ...............................................................
79
75
170
170
200
315
500
584
584
1,155
1,385
2,310
21
25
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
85
94
75
74
72
70
170
170
170
170
170
170
170
–
300
300
500
–
546
546
561
572
600
692
584
584
1,000
1,100
1,500
1,500
1,300
750
2,000
2,308
2,500
2,500
15
6
25
26
28
30
Goods-producing industries ...................................
68
170
350
572
1,000
2,000
32
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
77
70
67
70
58
72
61
72
170
170
170
185
170
170
170
135
300
300
–
500
185
300
–
200
572
584
692
692
584
561
700
584
1,000
1,000
831
831
1,000
1,000
1,500
–
2,309
2,307
1,500
–
1,500
2,308
2,423
1,662
23
30
33
30
42
28
39
28
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 2013—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
83
85
79
70
75
65
$170
170
170
170
170
170
–
–
$300
350
315
350
$559
559
546
584
584
584
–
$750
1,000
1,500
1,500
1,200
$1,731
1,500
2,300
2,400
2,400
2,350
17
15
21
30
25
35
71
90
51
74
70
72
84
250
170
200
300
250
–
170
500
170
350
500
500
500
–
1,000
546
577
750
692
1,000
–
1,000
584
1,250
1,500
–
–
2,000
2,308
831
2,308
2,500
2,300
2,500
2,350
29
10
49
26
30
28
16
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East 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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2013
(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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10
8
12
18
90
92
88
82
21
11
13
20
9
9
9
10
11
6
7
5
79
89
87
80
91
91
91
90
89
94
93
95
Full time .................................................................
Part time ................................................................
10
7
90
93
Union .....................................................................
Nonunion ...............................................................
13
9
87
91
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 ........................................
11
6
9
9
10
10
89
94
91
91
90
90
Goods-producing industries ...................................
8
92
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
10
12
17
20
13
8
10
17
90
88
83
80
87
92
90
83
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
2013—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution not
required
7
6
8
11
9
12
93
94
92
89
91
88
5
8
12
9
10
8
9
6
95
92
88
91
90
92
91
94
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2013
(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
95
4
1
1
96
96
96
97
4
4
4
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 ..................
97
98
95
94
95
90
96
91
–
2
3
5
4
10
3
6
2
–
–
–
1
–
1
2
–
–
–
–
(2)
–
(2)
2
89
92
91
90
93
7
5
3
2
4
–
1
4
6
2
–
2
2
2
2
Full time .................................................................
Part time ................................................................
95
88
4
9
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
85
96
6
3
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
87
95
94
95
95
4
–
3
4
4
5
–
–
1
2
1
–
–
–
1
1
(2)
–
Goods-producing industries ...................................
91
3
4
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
95
97
96
97
96
98
97
93
4
2
2
–
4
2
2
6
1
–
–
1
(2)
–
–
–
(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 2013—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
95
95
96
94
95
94
4
4
2
4
4
4
1
–
–
1
1
2
(2)
–
–
1
1
1
96
94
92
95
96
93
97
95
94
4
3
4
3
4
6
3
5
4
–
–
3
–
–
–
–
–
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.
3 Surveyed occupations are classified into wage
categories based on the average wage for the
occupation, which may include workers with earnings
both above and below the threshold. The categories
were formed using percentile estimates generated using
data from the National Compensation Survey
publication,
"Employer
Costs
for
Employee
Compensation - March 2013."
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/glossary20122013.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2013
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
22
61
8
7
2
58.6
60.0
23
23
23
14
58
61
56
47
10
7
11
20
8
9
8
14
2
1
2
6
58.6
58.5
58.6
61.0
60.0
60.0
60.0
60.0
16
45
26
19
24
22
24
18
38
48
59
56
60
67
59
66
24
5
9
13
8
5
8
8
16
–
4
–
7
4
8
5
6
–
2
–
1
2
1
3
61.2
55.2
58.4
59.9
58.4
58.6
58.4
59.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
22
16
18
17
20
63
68
71
70
71
–
7
5
5
4
–
6
5
7
–
–
4
1
1
–
58.7
59.4
58.5
58.9
58.1
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
22
29
61
50
8
–
7
7
1
–
58.6
58.5
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
26
22
50
62
10
8
10
7
4
1
59.1
58.5
60.0
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
24
28
22
21
24
25
64
63
63
62
58
59
6
–
9
9
8
8
5
–
6
7
8
8
1
–
1
1
2
2
58.1
58.3
58.5
58.6
58.6
58.3
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
19
70
5
6
1
58.7
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
23
24
13
16
10
33
46
19
59
56
50
38
68
61
50
45
9
10
19
25
12
3
2
22
7
7
12
15
7
–
–
12
2
2
5
6
3
–
–
3
58.5
58.5
60.9
61.3
60.2
56.5
54.9
60.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2013—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
18
20
15
25
18
29
67
66
67
58
66
52
6
6
7
9
7
11
7
7
9
7
6
7
2
1
2
1
2
1
59.1
58.8
59.8
58.3
58.7
58.0
60.0
60.0
60.0
60.0
60.0
60.0
20
23
27
15
23
23
23
19
23
69
62
61
65
58
63
68
54
53
4
5
4
7
14
–
4
16
12
5
9
6
9
4
6
5
–
11
1
1
2
3
1
–
1
–
1
58.6
58.9
58.0
59.9
58.1
57.9
57.7
59.6
59.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2013
(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
83
$3,000
$5,000
$7,500
$10,000
$15,000
17
83
87
80
70
3,000
3,900
3,000
–
5,000
5,000
5,000
3,900
8,000
10,000
7,500
5,000
10,000
12,250
10,000
7,000
15,000
20,000
15,000
10,000
17
13
20
30
65
88
80
73
87
91
85
83
–
–
3,000
–
3,000
4,000
3,000
3,000
3,900
5,000
5,000
–
5,000
5,000
5,000
4,000
5,000
7,500
6,000
5,000
8,000
7,500
8,000
5,000
6,000
10,000
10,000
8,000
12,000
12,000
11,200
10,000
8,000
15,000
10,000
10,000
20,000
20,000
17,500
15,000
35
12
20
27
13
9
15
17
76
86
83
82
84
–
3,000
–
2,500
–
–
4,000
5,000
5,000
3,000
5,000
6,000
6,000
7,000
5,000
–
10,000
10,000
10,000
10,000
15,000
12,500
15,000
15,000
13,000
24
14
17
18
16
Full time .................................................................
Part time ................................................................
84
76
3,000
2,500
5,000
5,000
7,500
6,000
10,000
10,000
15,000
15,000
16
24
Union .....................................................................
Nonunion ...............................................................
73
85
–
3,000
3,000
5,000
5,000
7,500
7,500
10,000
10,000
15,000
27
15
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
85
84
83
83
83
3,000
3,000
3,000
3,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
7,000
7,000
8,000
10,000
10,000
10,000
10,000
10,500
12,500
15,000
15,000
15,000
16,000
20,000
15
16
17
17
17
Goods-producing industries ...................................
83
3,000
5,000
7,000
10,000
15,000
17
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
84
82
71
66
79
90
89
65
3,000
2,500
–
–
–
3,000
3,000
–
5,000
5,000
3,900
3,900
5,000
5,000
5,000
3,333
7,500
6,000
5,000
5,000
7,000
6,000
7,000
5,000
10,000
10,000
7,500
6,000
10,000
10,000
10,000
6,000
15,000
12,500
10,000
8,000
14,000
15,000
15,000
9,000
16
18
29
34
21
10
11
35
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 2013—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
88
89
84
82
87
77
$3,000
3,000
–
2,917
3,000
2,500
$5,000
5,000
5,000
5,000
5,000
5,000
$7,000
–
7,500
7,500
7,500
7,500
$10,000
10,000
10,000
10,000
10,000
12,000
$15,000
15,000
15,000
15,000
15,000
16,000
12
11
16
18
13
23
92
86
77
74
86
90
78
84
3,000
2,500
3,000
3,500
2,500
3,000
3,000
3,000
5,000
5,000
5,000
5,000
4,000
5,000
5,000
5,000
7,500
6,000
6,000
7,500
7,500
7,500
7,500
10,000
11,000
10,000
10,000
10,000
10,000
10,000
10,000
10,208
15,000
15,000
15,000
16,000
15,000
15,000
20,000
17,300
8
14
23
26
14
10
22
16
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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2013
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
57
55
97
40
39
98
33
32
96
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
78
86
74
27
48
57
47
63
58
78
85
73
26
43
55
44
62
57
99
99
99
95
88
96
93
97
97
54
64
49
20
34
37
28
43
40
53
63
48
19
33
36
27
42
39
98
99
98
96
95
97
95
97
99
59
66
55
10
17
33
19
41
27
57
64
53
9
17
31
18
40
26
97
98
96
96
97
96
92
97
98
50
65
64
72
57
48
63
62
69
54
97
98
96
96
96
35
43
47
53
41
35
43
46
52
40
100
98
98
99
98
18
34
29
33
26
18
33
28
32
25
98
97
97
97
97
Full time .................................................................
Part time ................................................................
72
14
70
12
98
87
48
15
47
14
98
95
43
5
41
4
97
94
Union .....................................................................
Nonunion ...............................................................
86
54
85
52
98
97
67
37
66
36
98
98
35
33
34
32
96
96
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
22
11
58
72
84
89
20
10
56
71
83
88
89
90
96
98
99
99
18
14
35
50
61
65
17
14
34
49
60
65
94
96
97
99
99
99
7
2
27
43
63
68
6
2
26
41
61
66
96
95
96
96
97
97
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
72
48
82
71
46
80
97
96
98
53
30
62
53
30
62
99
100
99
36
16
43
35
15
41
97
96
97
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
54
56
68
44
76
95
52
53
67
40
75
94
97
95
98
91
98
99
37
35
50
26
48
51
36
34
49
24
46
50
97
96
99
95
95
99
33
25
43
13
38
87
31
24
42
12
36
83
96
95
96
92
96
96
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2013—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
87
81
89
92
86
55
58
72
36
61
67
85
60
18
17
37
86
81
89
91
86
54
56
71
32
60
66
84
59
17
15
36
99
99
99
99
99
99
97
100
89
98
99
99
98
94
93
96
73
64
73
73
71
35
43
53
27
32
42
51
31
18
19
28
71
64
72
72
70
35
42
53
26
32
42
51
30
17
18
27
98
99
99
99
98
99
98
99
97
97
100
99
97
96
95
98
65
67
76
80
73
39
43
57
20
38
58
80
35
4
3
18
64
65
73
77
70
36
41
56
19
37
56
78
34
4
3
18
98
96
96
96
96
94
97
98
96
96
96
97
96
100
100
99
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
39
35
54
78
72
85
38
34
52
76
70
84
96
96
97
97
96
99
28
26
36
53
47
61
28
25
35
52
45
60
98
98
97
98
97
99
21
19
29
47
39
60
20
18
28
45
37
57
97
97
97
96
96
96
59
55
63
56
56
63
60
56
49
58
54
62
53
55
60
57
54
48
98
98
97
95
97
96
95
97
98
45
73
42
36
34
36
31
28
23
44
73
41
35
33
35
30
27
22
98
99
97
97
97
97
96
98
97
40
34
35
34
33
33
34
33
28
39
32
34
33
31
32
33
31
27
97
96
97
98
96
97
96
94
97
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 Surveyed occupations are classified into wage categories based on the average wage
for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2013
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
5
95
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
3
4
2
7
6
8
5
7
97
96
98
93
94
92
95
93
7
7
4
4
4
93
93
96
96
96
Full time .................................................................
Part time ................................................................
5
4
95
96
Union .....................................................................
Nonunion ...............................................................
3
5
97
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 ........................................
7
5
6
5
3
3
93
95
94
95
97
97
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
4
7
4
96
93
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Financial activities .............................................
5
7
7
9
4
95
93
93
91
96
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2013—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
4
5
3
5
4
2
8
3
4
4
2
7
96
95
97
95
96
98
92
97
96
96
98
93
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
7
6
3
4
2
93
93
94
97
96
98
2
3
5
4
5
7
5
7
4
98
97
95
96
95
93
95
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 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the
National Compensation Survey publication,
"Employer Costs for Employee Compensation -
March 2013."
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/glossary20122013.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2013
(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
60
2
35
2
(1)
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
74
76
73
48
42
63
59
66
38
2
2
3
–
–
2
3
2
–
22
21
23
48
56
32
35
31
57
1
2
1
2
–
2
–
1
4
(1)
(1)
(1)
–
–
(1)
–
(1)
–
17
51
46
45
48
–
–
1
1
–
77
44
47
47
46
5
4
5
7
3
–
–
(1)
(1)
–
Full time .................................................................
Part time ................................................................
61
58
2
–
35
34
2
4
(1)
–
Union .....................................................................
Nonunion ...............................................................
40
64
–
2
48
33
10
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
32
55
57
71
75
–
–
2
2
3
4
52
66
40
38
23
20
2
2
3
2
2
–
–
–
(1)
(1)
(1)
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
45
17
52
2
–
1
48
80
40
5
–
6
(1)
–
(1)
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
65
56
57
52
60
75
2
3
–
5
2
–
31
37
37
39
38
22
2
–
5
–
–
–
(1)
–
–
–
–
–
All workers .............................................................
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2013—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
83
78
83
88
75
51
69
70
57
65
66
73
65
48
46
45
–
2
2
1
2
–
2
–
–
1
2
2
–
–
–
–
13
19
14
9
22
46
28
27
43
32
30
23
32
49
51
51
–
–
–
–
–
–
–
–
–
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 ..........................................
47
47
49
68
63
74
1
–
–
2
2
3
49
50
47
26
33
19
2
2
2
3
2
3
(1)
–
–
(1)
1
( )
(1)
72
64
51
61
63
60
60
59
61
2
3
–
–
–
1
–
–
3
26
30
43
35
33
37
35
39
33
–
–
4
4
2
–
2
–
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.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2013
(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
63
11
21
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
1
–
(2)
–
1
–
60
58
60
66
54
67
78
62
63
11
10
12
12
–
9
8
9
14
24
26
22
18
–
20
11
24
20
5
6
5
2
–
4
3
4
–
1.4
1.4
1.4
1.3
1.3
1.3
1.2
1.4
1.3
1.0
1.0
1.0
1.0
–
1.0
1.0
1.0
1.0
–
–
1
–
1
59
63
65
59
71
–
14
14
14
15
–
19
18
25
11
–
–
2
–
2
1.3
1.3
1.3
1.4
1.2
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
63
75
11
9
22
9
4
6
1.3
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
2
(2)
69
63
10
11
14
22
5
4
1.3
1.3
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
70
72
69
62
59
56
10
–
11
12
11
10
16
–
17
22
24
27
–
–
2
4
5
6
1.3
1.3
1.3
1.3
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
–
–
–
53
58
53
13
–
13
28
30
28
–
–
–
1.4
1.4
1.4
1.0
1.0
1.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
–
65
69
50
84
68
61
11
12
21
7
11
–
20
16
24
8
19
20
4
2
–
–
–
–
1.3
1.3
1.4
1.1
1.3
1.5
1.0
1.0
–
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2013—Continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
2
–
5
1
–
–
–
65
65
66
67
62
58
56
57
65
69
55
57
72
73
78
45
10
6
–
–
4
–
13
12
–
11
18
16
10
–
–
–
16
24
24
21
31
–
27
25
–
15
17
18
15
–
–
40
–
–
5
8
3
–
4
7
–
3
–
4
2
–
–
–
1.4
1.4
1.4
1.4
1.4
1.3
1.4
1.4
1.3
1.3
1.4
1.3
1.2
1.2
1.2
1.6
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
1
–
1
62
66
53
64
64
64
11
9
15
11
10
12
22
18
28
21
22
20
–
–
–
3
–
3
1.4
1.3
1.4
1.3
1.3
1.3
1.0
1.0
1.0
1.0
1.0
1.0
1
2
–
–
–
–
–
–
–
66
60
58
58
67
62
65
76
62
12
13
14
13
10
11
9
–
7
17
20
25
22
20
–
22
12
24
4
5
–
–
–
6
–
1
–
1.3
1.4
1.4
1.4
1.3
1.3
1.3
1.2
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 20. Life insurance plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2013
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
77
$50,000
$70,000
$250,000
23
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 ..................
79
82
77
75
49
81
84
80
70
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
100,000
50,000
50,000
50,000
50,000
–
100,000
300,000
300,000
300,000
200,000
–
200,000
–
200,000
200,000
750,000
750,000
750,000
500,000
–
500,000
500,000
500,000
–
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,500,000
2,000,000
21
18
23
25
51
19
16
20
30
66
71
69
65
73
50,000
50,000
50,000
50,000
50,000
100,000
–
–
100,000
–
170,000
250,000
200,000
250,000
100,000
–
1,000,000
500,000
500,000
400,000
1,000,000
2,000,000
1,000,000
1,000,000
–
34
29
31
35
27
Full time .................................................................
Part time ................................................................
78
71
50,000
50,000
70,000
–
250,000
–
550,000
500,000
1,000,000
1,000,000
22
29
Union .....................................................................
Nonunion ...............................................................
70
78
50,000
50,000
70,000
–
100,000
250,000
500,000
600,000
–
1,000,000
30
22
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 ........................................
73
80
79
77
78
80
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
100,000
–
200,000
–
150,000
250,000
300,000
350,000
500,000
–
500,000
500,000
750,000
800,000
1,000,000
–
1,000,000
1,000,000
1,500,000
–
27
20
21
23
22
20
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
68
82
68
50,000
50,000
50,000
100,000
–
–
300,000
–
300,000
700,000
–
750,000
–
500,000
–
32
18
32
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Utilities ...........................................................
79
79
78
81
56
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
–
200,000
100,000
200,000
50,000
–
500,000
500,000
500,000
500,000
750,000
1,000,000
900,000
1,000,000
–
1,000,000
21
21
22
19
44
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2013—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
– $2,000,000 $2,000,000
$250,000
800,000 2,000,000
250,000
800,000 2,000,000
245,000 1,000,000 2,000,000
500,000 1,000,000
–
350,000 1,000,000 1,000,000
–
750,000 1,000,000
–
–
–
250,000
500,000 1,000,000
200,000
400,000
500,000
200,000
–
550,000
250,000
500,000 1,000,000
–
420,000
–
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Other services ...................................................
68
87
86
89
79
78
86
65
76
85
84
75
77
$50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
$200,000
100,000
100,000
100,000
100,000
–
–
–
–
50,000
50,000
–
–
32
13
14
11
21
22
14
35
24
15
16
25
23
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
78
79
76
77
82
73
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
–
50,000
100,000
200,000
200,000
250,000
250,000
200,000
350,000
500,000
500,000
500,000
600,000
500,000
1,000,000
1,000,000
–
–
1,000,000
1,000,000
1,500,000
22
21
24
23
18
27
74
79
68
69
81
80
80
84
79
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
50,000
–
–
–
–
50,000
–
250,000
300,000
200,000
250,000
200,000
250,000
200,000
200,000
500,000
500,000
600,000
500,000
750,000
–
750,000
–
500,000
1,000,000
1,000,000
1,000,000
1,000,000
1,500,000
–
–
1,000,000
1,000,000
26
21
32
31
19
20
20
16
21
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2013
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$25,000
$50,000
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
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
10,000
10,000
10,000
–
10,000
–
10,000
10,000
15,000
15,000
15,000
10,000
10,000
10,000
10,000
15,000
10,000
25,000
25,000
25,000
15,000
–
20,000
15,000
20,000
–
50,000
50,000
50,000
–
25,000
25,000
20,000
25,000
25,000
50,000
50,000
50,000
40,000
25,000
50,000
50,000
50,000
50,000
–
10,000
10,000
10,000
10,000
10,000
12,000
10,000
15,000
10,000
20,000
–
20,000
20,000
20,000
25,000
25,000
25,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
–
10,000
5,000
20,000
10,000
27,000
17,500
50,000
25,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
–
15,000
20,000
30,000
25,000
45,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
20,000
15,000
–
–
20,000
25,000
–
20,000
–
25,000
30,000
50,000
50,000
25,000
25,000
50,000
50,000
50,000
50,000
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
10,000
10,000
15,000
10,000
15,000
20,000
20,000
20,000
30,000
25,000
35,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
10,000
–
10,000
5,000
10,000
10,000
10,000
10,000
15,000
10,000
10,000
10,000
20,000
15,000
–
–
20,000
12,500
25,000
25,000
–
20,000
–
20,000
50,000
50,000
50,000
25,000
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 2013—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
$10,000
–
–
–
10,000
10,000
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
–
$15,000
–
15,000
–
–
15,000
20,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$20,000
–
50,000
–
50,000
–
25,000
25,000
20,000
15,000
–
–
15,000
–
–
15,000
$25,000
50,000
50,000
50,000
50,000
–
–
50,000
25,000
25,000
–
50,000
25,000
20,000
–
25,000
$50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
50,000
50,000
50,000
50,000
–
25,000
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10,000
10,000
10,000
10,000
10,000
–
–
–
10,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
25,000
25,000
25,000
30,000
25,000
45,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
10,000
10,000
10,000
10,000
–
10,000
10,000
10,000
10,000
–
–
–
–
15,000
10,000
10,000
25,000
18,000
20,000
20,000
20,000
20,000
20,000
20,000
15,000
50,000
38,000
25,000
–
25,000
–
30,000
–
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
3 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
44
37
17
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
49
51
48
–
47
47
47
41
37
37
36
30
35
33
35
45
13
11
14
41
18
19
17
12
1
1
1
–
1
1
1
2
32
47
42
38
48
49
42
43
51
33
14
–
13
10
–
5
–
2
1
–
Full time .................................................................
Part time ................................................................
45
39
39
17
15
43
1
1
Union .....................................................................
Nonunion ...............................................................
47
44
33
38
16
18
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 ........................................
–
29
41
44
52
54
31
–
42
40
35
32
39
49
17
15
12
–
–
–
1
1
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
41
20
45
48
54
46
10
21
8
1
5
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
45
47
43
41
58
72
34
35
44
35
24
26
19
17
–
23
–
–
1
1
–
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Commercially
insured
Legally
required
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
66
66
72
74
73
–
40
35
34
38
39
56
37
31
32
–
25
23
21
20
21
42
42
52
40
36
37
29
36
29
30
42
–
–
–
–
6
35
–
–
–
25
–
–
26
41
38
44
–
–
–
–
–
–
–
–
–
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 ..........................................
31
30
33
53
43
62
40
38
45
36
45
26
29
32
21
10
11
10
1
1
1
1
1
2
53
20
57
50
48
61
54
45
45
21
40
49
51
38
45
41
–
58
–
–
–
–
–
13
–
1
3
–
–
–
–
1
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Employer assumes all risks and expenses of
providing the benefit.
2 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
19
81
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
13
11
15
41
19
24
17
15
14
17
14
22
87
89
85
59
81
76
83
85
86
83
86
78
Full time .................................................................
Part time ................................................................
17
40
83
60
Union .....................................................................
Nonunion ...............................................................
18
19
82
81
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
44
50
18
16
12
12
56
50
82
84
88
88
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
12
20
11
88
80
89
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
21
21
17
27
16
14
79
79
83
73
84
86
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
9
6
5
6
15
28
25
12
10
28
43
43
46
91
94
95
94
85
72
75
88
90
72
57
57
54
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
27
30
20
14
16
11
73
70
80
86
84
89
4
48
6
8
7
6
5
15
96
52
94
92
93
94
95
85
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
6
2
68
23
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
2
1
5
3
4
3
17
1
1
1
–
1
–
1
–
63
57
68
88
67
70
66
58
33
39
29
5
28
25
29
19
1
1
1
–
(1)
–
1
–
32
7
15
18
13
8
–
–
–
–
50
63
68
62
77
–
26
11
13
8
–
–
–
–
–
Full time .................................................................
Part time ................................................................
7
4
2
–
66
85
25
10
1
–
Union .....................................................................
Nonunion ...............................................................
22
4
–
1
54
70
14
25
–
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 ........................................
5
–
8
8
4
2
–
–
2
2
2
1
85
95
73
67
59
59
8
4
17
22
33
37
–
–
1
(1)
1
1
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
17
27
15
–
4
5
59
57
59
19
–
19
–
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
3
7
5
4
–
–
1
–
–
–
–
–
71
75
73
78
76
50
25
17
20
17
8
48
1
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
4
–
–
4
4
4
2
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
36
48
43
32
56
87
68
71
79
84
83
80
85
90
90
92
61
51
57
67
44
–
30
28
–
10
12
18
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 ..........................................
6
6
6
6
8
5
–
–
–
2
1
4
75
74
77
63
70
56
17
18
14
27
21
34
–
–
–
1
(1)
1
5
4
12
6
9
6
5
3
–
–
4
1
–
–
–
2
65
84
59
66
64
56
66
65
28
11
25
27
21
36
29
28
–
–
(1)
(1)
–
–
–
3
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2013
(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
93
12
21
26
26
26
7
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
91
92
91
97
94
91
94
90
89
93
92
93
12
12
12
13
12
12
12
13
13
13
13
13
18
–
18
26
18
13
20
24
24
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
26
26
26
26
–
26
26
26
36
–
26
26
26
9
8
9
3
6
9
6
10
11
7
8
7
Full time .................................................................
Part time ................................................................
92
96
12
–
18
26
26
26
26
26
26
52
8
4
Union .....................................................................
Nonunion ...............................................................
90
93
13
12
26
18
26
26
26
26
52
26
10
7
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 ........................................
96
98
94
94
89
89
12
24
12
12
12
12
26
26
18
18
22
21
26
26
26
26
26
26
26
–
26
26
26
26
–
52
26
26
26
26
4
2
6
6
11
11
Goods-producing industries ...................................
Manufacturing ....................................................
92
92
13
13
24
25
26
26
26
26
26
26
8
8
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
93
92
93
89
97
95
12
12
12
11
21
–
20
21
–
13
26
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
36
7
8
7
11
3
5
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Accommodation and food services ................
82
92
92
92
92
92
94
95
94
93
95
100
13
12
13
13
12
12
12
12
13
13
12
–
25
21
25
25
18
13
13
18
22
26
18
26
26
26
26
26
26
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
52
26
26
26
26
26
26
26
26
26
26
52
18
8
8
8
8
8
6
5
6
7
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 ..........................................
94
94
93
92
94
89
12
12
12
12
12
13
18
20
13
22
13
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
6
7
8
6
11
90
94
90
95
94
93
89
95
12
–
13
12
11
12
12
12
13
26
18
13
12
–
13
–
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
–
10
6
10
5
6
7
11
5
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2013
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
1
18
1
40
27
13
63.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
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
1
–
16
14
17
26
19
16
20
15
1
–
1
–
1
2
1
–
41
41
42
33
36
39
35
46
22
22
23
34
28
29
27
28
18
21
17
4
14
13
15
8
64.3
65.3
63.7
60.2
62.9
63.0
62.9
62.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
–
–
10
18
14
13
15
–
–
–
–
–
41
48
44
43
45
36
24
26
27
26
–
7
14
14
13
64.2
61.1
63.3
62.6
64.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
17
23
1
–
41
34
26
36
15
5
63.2
61.5
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
17
18
3
1
31
41
37
25
11
14
62.2
63.1
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
22
23
17
18
15
16
–
–
1
1
1
1
33
30
41
41
41
38
37
43
28
24
24
23
4
2
12
15
18
21
60.8
61.0
62.7
63.0
64.3
65.4
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
1
–
–
12
14
11
1
–
–
44
41
44
25
39
23
17
3
20
63.9
61.7
64.4
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
–
–
–
–
–
19
16
15
17
19
–
1
–
–
–
–
–
39
40
41
37
49
–
27
26
28
29
18
–
13
16
16
15
15
61
62.8
64.4
64.5
63.8
63.9
82.3
60.0
60.0
60.0
60.0
60.0
86.0
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 2013—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
1
–
–
2
–
–
–
20
20
16
22
10
–
13
7
–
25
28
26
24
32
30
14
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
6
36
29
25
22
34
–
45
50
37
40
30
25
42
36
38
27
27
25
28
37
19
17
33
29
43
21
13
10
23
–
–
41
17
25
29
17
36
–
8
13
–
12
29
38
8
3
3
–
63.0
65.3
67.2
64.2
67.9
58.8
62.6
64.5
60.7
61.4
67.2
71.2
60.0
59.8
59.9
60.5
60.0
60.0
66.0
66.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1
–
–
1
1
1
23
22
23
14
11
19
1
–
–
1
1
1
36
33
42
43
48
36
30
34
22
24
25
24
10
9
12
16
14
19
61.7
61.8
61.5
63.9
63.2
64.8
60.0
60.0
60.0
60.0
60.0
60.0
–
1
–
–
–
–
–
–
8
33
10
13
–
8
7
9
–
1
–
–
–
–
–
–
61
15
51
57
57
58
52
43
–
46
21
10
12
15
23
26
20
6
17
19
–
16
17
13
64.9
61.2
63.5
63.3
63.3
64.5
65.0
62.8
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2013
(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
76
$170
$315
$561
$1,000
$2,308
24
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
71
72
70
88
76
77
76
77
170
170
170
170
170
170
170
200
500
500
–
–
250
300
250
500
750
–
600
546
561
561
572
572
1,500
1,666
1,500
584
1,385
1,500
1,200
1,000
2,500
2,500
2,500
1,300
2,500
4,615
2,350
–
29
28
30
12
24
23
24
23
76
77
74
68
79
260
200
170
170
170
500
500
300
250
400
550
584
500
515
500
–
1,000
600
–
584
–
1,730
1,500
1,500
1,385
24
23
26
32
21
Full time .................................................................
Part time ................................................................
74
88
170
170
350
170
572
500
1,250
572
2,400
584
26
12
Union .....................................................................
Nonunion ...............................................................
79
75
170
170
225
315
500
572
572
1,200
1,000
2,350
21
25
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
87
76
74
72
70
170
170
170
170
170
170
300
300
500
500
546
559
572
600
–
584
1,000
1,150
1,500
2,000
1,000
2,000
2,309
2,500
2,500
13
24
26
28
30
Goods-producing industries ...................................
Manufacturing ....................................................
68
63
170
175
350
350
572
572
1,000
1,000
2,000
2,000
32
37
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
78
76
74
78
79
60
170
170
170
170
170
170
300
200
–
200
–
–
561
500
560
546
500
–
1,000
750
–
750
572
2,300
2,350
1,846
2,500
–
1,000
2,308
22
24
26
22
21
40
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 2013—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
69
64
74
53
86
83
70
57
47
73
$170
170
170
–
–
–
170
170
170
170
–
–
$561
584
500
559
–
170
170
300
$1,000
1,153
1,385
–
–
1,000
561
561
584
561
$2,309
2,500
2,500
3,000
1,500
1,750
1,000
1,000
1,385
1,000
$4,039
5,769
–
3,456
2,500
2,350
2,307
1,500
1,500
2,310
31
36
26
47
14
17
30
43
53
27
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
84
85
80
70
76
62
170
170
170
170
170
170
–
–
300
350
315
–
550
559
524
584
584
584
–
750
1,000
1,500
1,500
1,500
1,800
1,500
2,307
2,500
2,500
2,650
16
15
20
30
24
38
71
91
54
73
73
71
71
84
250
170
200
260
300
250
–
201
475
170
320
500
500
500
500
500
1,000
546
560
1,000
1,000
–
1,000
–
1,000
584
1,250
1,500
–
1,500
–
2,080
2,309
–
2,500
2,500
2,500
2,500
3,000
2,400
29
9
46
27
27
29
29
16
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2013
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
8
92
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
8
7
9
11
8
9
7
9
10
6
7
5
92
93
91
89
92
91
93
91
90
94
93
95
Full time .................................................................
Part time ................................................................
8
3
92
97
Union .....................................................................
Nonunion ...............................................................
8
8
92
92
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
8
8
9
8
8
92
92
91
92
92
Goods-producing industries ...................................
Manufacturing ....................................................
8
8
92
92
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
8
8
8
8
7
19
92
92
92
92
93
81
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 2013—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution not
required
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
4
7
6
5
8
10
6
8
9
10
7
96
93
94
95
92
90
94
92
91
90
93
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
6
7
9
7
10
94
94
93
91
93
90
5
8
6
9
11
7
6
95
92
94
91
89
93
94
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
Pacific ....................................................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2013
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
94
4
1
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
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
96
96
95
98
95
90
96
90
4
3
4
3
–
4
10
3
6
–
–
–
–
–
1
–
1
2
–
–
–
–
–
(1)
–
(1)
2
86
92
91
90
92
–
5
3
2
4
4
1
4
6
2
–
2
2
2
2
Full time .................................................................
Part time ................................................................
95
87
4
10
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
76
96
9
3
10
(1)
5
(1)
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
86
96
94
94
94
4
–
3
4
4
5
–
–
1
2
1
–
–
–
1
1
(1)
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
91
91
92
3
6
2
4
3
5
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
95
88
90
81
97
75
4
10
7
17
–
20
1
1
–
–
–
–
(1)
2
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2013—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
92
97
97
97
97
94
97
98
98
98
97
96
98
100
100
100
8
2
2
3
2
–
3
–
–
1
3
4
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 ..........................................
95
95
97
94
95
93
3
4
2
4
4
4
1
–
–
1
1
2
(1)
–
–
1
1
1
95
94
92
95
95
93
96
94
94
4
4
3
3
4
6
3
5
5
–
–
3
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage
categories based on the average wage for the
occupation, which may include workers with earnings
both above and below the threshold. The categories
were formed using percentile estimates generated using
data from the National Compensation Survey
publication,
"Employer
Costs
for
Employee
Compensation - March 2013."
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/glossary20122013.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2013
(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
24
64
6
6
1
58.2
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 ..................
25
24
25
28
–
24
22
25
18
62
62
62
64
73
62
67
60
71
5
5
5
5
–
7
5
7
5
7
9
6
–
–
6
4
7
3
1
1
1
–
–
1
2
1
3
58.0
58.2
57.9
57.6
59.6
58.3
58.5
58.2
58.9
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
22
16
18
17
20
70
71
71
70
73
–
4
4
5
4
–
4
5
7
–
–
3
1
1
–
58.6
59.0
58.4
58.9
57.8
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
23
26
64
57
5
–
6
5
1
–
58.2
58.4
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
31
23
58
64
7
5
3
6
1
1
57.6
58.2
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 ........................................
23
–
23
21
25
25
70
60
65
65
62
61
3
–
6
6
5
6
2
–
5
6
7
7
1
–
(2)
1
1
1
57.9
56.6
58.0
58.4
58.1
58.2
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
18
–
19
70
87
68
4
–
–
6
–
7
1
–
–
58.7
59.9
58.7
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
25
19
17
13
23
42
63
69
71
74
72
27
6
6
7
–
–
23
6
4
4
7
3
–
1
1
2
–
–
–
58.1
58.4
58.0
59.2
57.9
58.6
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2013—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
20
34
37
40
28
–
21
22
–
29
9
8
34
–
–
–
61
51
48
43
56
75
62
64
61
65
75
77
62
75
62
62
–
8
8
9
8
–
–
–
15
2
5
7
–
–
–
–
6
6
6
–
–
–
9
7
–
4
9
5
3
–
–
–
–
1
1
–
–
–
–
–
–
(2)
2
2
–
–
–
5
59.1
57.5
57.2
56.8
58.1
59.9
58.3
57.8
58.2
57.2
60.2
59.9
56.4
60.6
60.8
60.5
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
20
15
26
18
34
68
68
69
62
70
54
5
5
5
6
6
6
7
6
9
5
5
6
1
1
2
1
1
2
( )
58.9
58.6
59.5
57.8
58.6
57.0
60.0
60.0
60.0
60.0
60.0
60.0
21
24
23
16
27
24
24
23
25
70
63
69
67
64
63
67
60
53
4
4
–
7
4
–
–
13
10
4
–
4
9
3
7
5
–
11
1
–
–
1
2
–
–
–
1
58.3
58.8
58.1
59.5
57.3
57.7
57.5
58.3
58.7
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
2 Less than 0.5.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2013
(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
87
$3,000
$5,000
$8,000
$10,000
$15,000
13
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
87
89
86
87
89
92
88
86
87
83
82
84
4,000
4,000
4,000
3,000
3,000
4,000
3,000
3,000
3,000
–
2,500
–
5,000
6,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
–
10,000
10,000
8,000
6,000
8,000
7,500
9,000
6,000
6,000
6,000
7,500
6,000
12,000
13,000
10,000
10,000
12,000
12,000
12,000
10,000
10,000
10,000
10,000
10,000
16,000
20,000
15,000
12,500
20,000
20,000
20,000
15,000
14,000
15,000
15,000
15,000
13
11
14
13
11
8
12
14
13
17
18
16
Full time .................................................................
Part time ................................................................
87
84
3,000
2,500
5,000
5,000
8,000
7,000
10,000
10,000
15,000
15,500
13
16
Union .....................................................................
Nonunion ...............................................................
86
87
–
3,000
3,000
5,000
5,000
8,000
8,000
11,000
12,500
15,000
14
13
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
90
87
86
87
85
–
3,000
3,000
3,000
4,000
5,000
5,000
5,000
5,000
6,000
6,000
7,500
7,500
10,000
10,000
10,000
10,000
10,000
12,500
15,000
15,000
15,000
15,000
17,300
20,000
10
13
14
13
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
83
93
82
3,000
5,000
3,000
5,000
5,000
5,000
7,500
6,000
7,500
10,000
10,000
10,500
15,000
15,000
15,000
17
7
18
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
88
86
91
91
81
61
3,000
–
–
2,800
–
5,000
5,000
5,000
5,000
5,000
–
7,000
8,000
6,000
6,500
5,000
7,000
12,000
10,000
10,000
10,000
10,000
10,000
15,000
16,000
15,000
15,000
15,000
15,000
15,000
12
14
9
9
19
39
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 2013—Continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
85
91
90
92
85
83
92
92
89
88
94
$4,000
2,500
2,500
2,500
5,000
5,000
5,000
3,000
4,000
5,000
3,000
$4,000
6,000
7,000
6,000
8,333
6,000
6,000
5,000
5,000
5,000
5,000
$7,500
10,000
10,208
10,000
11,000
10,000
10,000
6,667
7,000
7,500
6,000
$12,000
18,000
20,000
20,833
15,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
25,000
27,000
30,000
25,000
17,300
20,000
15,000
14,000
15,000
15,000
15
9
10
8
15
17
8
8
11
12
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 ..........................................
89
90
88
86
90
81
3,000
3,000
4,000
3,000
3,333
2,917
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,000
8,000
8,500
7,500
10,000
10,000
10,000
10,000
12,000
10,000
15,000
15,000
15,000
15,000
16,667
15,000
20,000
11
10
12
14
10
19
93
87
84
79
86
91
88
3,000
2,500
3,000
4,000
3,000
–
3,500
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
6,000
6,000
10,000
8,000
7,560
10,000
12,000
10,000
10,000
12,000
10,000
10,000
12,650
15,000
15,000
15,000
16,667
15,000
15,000
17,300
7
13
16
21
14
9
12
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2013
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
79
78
98
23
22
99
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 ...
80
79
78
78
77
76
98
97
97
22
20
18
21
20
18
99
99
99
37
36
36
36
35
35
96
96
96
85
76
85
79
80
91
78
84
75
85
78
78
89
77
98
98
99
98
98
99
99
18
24
23
25
25
28
22
18
23
22
24
25
28
21
98
98
97
99
99
100
99
39
26
26
35
35
45
29
38
25
25
34
34
44
27
98
96
96
97
97
99
94
Full time .................................................................
Part time ................................................................
90
23
88
22
98
96
25
12
24
12
98
99
39
11
38
10
97
93
Union .....................................................................
Nonunion ...............................................................
86
74
85
72
98
97
28
19
27
18
99
98
34
35
33
34
97
96
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
62
48
84
85
89
90
61
46
82
83
86
86
98
96
98
98
97
96
19
13
25
25
24
26
18
13
24
24
23
26
98
99
99
98
99
100
27
20
34
39
39
34
26
19
33
37
38
33
96
97
96
96
97
97
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
79
79
79
78
81
81
90
83
78
77
77
76
77
79
87
82
98
97
97
98
95
97
97
99
23
20
20
19
18
25
23
27
22
20
19
19
18
25
22
26
99
98
99
99
98
97
97
99
34
36
36
34
40
38
42
31
33
35
34
33
37
37
41
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 ..........................................
63
60
68
82
75
84
63
59
67
80
73
82
99
99
99
98
98
98
20
22
17
23
19
25
20
22
17
23
18
25
99
99
98
99
98
99
37
30
46
34
32
35
35
30
43
33
31
34
96
99
94
96
98
96
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2013—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
85
77
82
76
97
98
26
22
26
21
98
99
35
35
33
34
94
97
73
84
79
79
83
85
77
80
73
69
84
76
78
81
80
76
79
72
94
100
97
99
98
94
98
99
99
7
43
24
13
27
–
10
19
30
7
43
23
13
25
–
10
19
30
100
100
97
100
96
–
100
99
100
15
18
50
58
44
19
15
64
29
15
18
48
58
41
18
14
61
28
97
98
96
100
94
95
94
95
99
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Surveyed occupations are classified into wage categories based on the average wage
for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
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/glossary20122013.htm.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2013
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
10
90
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
11
11
10
89
89
90
9
12
10
9
9
7
7
91
88
90
91
91
93
93
Full time .................................................................
Part time ................................................................
10
9
90
91
Union .....................................................................
Nonunion ...............................................................
9
12
91
88
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
10
10
11
10
13
90
90
89
90
87
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
10
10
10
9
12
11
10
90
90
90
91
88
89
90
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
8
7
11
11
10
92
92
93
89
89
90
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2013—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
15
8
85
92
42
7
16
5
8
7
2
2
58
93
84
95
92
93
98
98
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the
National Compensation Survey publication,
"Employer Costs for Employee Compensation -
March 2013."
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/glossary20122013.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2013
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
37
2
54
5
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 ...
35
35
33
2
2
1
56
56
59
5
5
5
2
2
2
30
40
37
38
38
40
36
1
3
4
–
–
–
2
62
51
53
52
52
53
50
5
5
6
6
6
3
–
2
1
1
–
–
–
–
Full time .................................................................
Part time ................................................................
37
35
2
–
54
58
5
4
2
–
Union .....................................................................
Nonunion ...............................................................
33
41
2
2
56
51
8
3
(1)
4
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 ........................................
38
45
39
40
32
35
1
–
2
3
2
2
55
51
51
49
59
59
3
–
5
6
6
5
3
2
3
3
1
(1)
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
37
37
36
30
51
47
44
36
2
1
1
1
–
–
–
3
54
55
56
61
40
48
52
53
5
5
5
5
5
3
–
7
2
2
2
3
–
–
–
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 ..........................................
31
27
36
38
37
38
1
–
–
2
–
2
61
62
60
53
57
52
3
–
–
6
4
6
4
–
–
2
–
2
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2013—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
State government ..................................................
Local government ..................................................
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
42
35
2
2
47
56
5
5
3
2
22
37
45
47
52
50
19
35
15
–
1
–
–
2
–
–
–
4
65
47
49
46
33
43
80
61
75
–
15
4
5
2
–
1
–
5
–
–
–
–
10
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2013
(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
–
49
23
25
–
1.4
–
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 ...
–
–
–
47
47
45
23
24
25
26
26
27
–
3
4
1.4
1.4
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
47
54
58
52
52
49
40
27
19
12
22
23
23
35
24
23
21
24
23
24
22
2
5
–
2
2
–
–
1.4
1.4
1.5
1.4
1.4
1.4
1.5
–
1.0
1.0
–
–
–
1.5
Full time .................................................................
Part time ................................................................
–
–
49
64
23
–
25
–
–
–
1.4
1.2
1.4
1.0
Union .....................................................................
Nonunion ...............................................................
–
–
57
43
27
19
11
36
–
–
1.3
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 ........................................
–
–
–
–
–
–
48
42
53
54
42
41
23
21
21
19
28
26
29
–
24
24
22
21
–
–
3
–
–
–
1.4
1.5
1.4
1.4
1.5
1.6
–
1.5
1.0
1.0
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
49
47
44
43
44
62
62
59
23
23
23
28
–
21
–
18
25
28
30
27
–
–
–
17
–
2
2
1
5
–
–
–
1.4
1.4
1.5
1.4
1.5
1.3
1.3
1.4
–
1.5
1.5
1.5
–
1.0
1.0
1.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
55
50
59
49
46
50
–
–
–
23
26
22
17
–
–
25
22
26
7
–
–
–
6
–
1.4
1.4
1.4
1.4
1.5
1.4
–
–
1.0
–
1.5
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2013—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
–
–
49
49
19
24
–
23
3
–
1.4
1.4
–
1.3
–
–
–
–
–
–
–
27
70
38
51
35
65
81
51
11
–
16
–
–
–
6
16
–
32
–
–
–
15
4
–
–
–
–
–
1.7
1.3
1.4
1.4
1.5
1.2
1.1
1.5
1.0
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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, National
Compensation Survey, March 2013
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
51
$50,000
$50,000
$100,000
–
$400,000
49
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
52
48
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
–
–
–
–
400,000
400,000
350,000
48
48
52
42
53
49
48
48
46
47
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
100,000
–
–
100,000
100,000
$100,000
250,000
250,000
–
–
–
–
–
500,000
–
500,000
500,000
400,000
450,000
58
47
51
52
52
54
53
Full time .................................................................
Part time ................................................................
51
50
50,000
50,000
50,000
50,000
100,000
–
–
–
450,000
–
49
50
Union .....................................................................
Nonunion ...............................................................
48
53
45,000
50,000
50,000
50,000
–
100,000
200,000
250,000
400,000
500,000
52
47
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
54
57
55
49
47
52
50,000
50,000
50,000
50,000
50,000
–
50,000
–
50,000
50,000
50,000
50,000
100,000
100,000
100,000
100,000
100,000
–
150,000
–
250,000
250,000
250,000
–
500,000
500,000
400,000
400,000
–
400,000
46
43
45
51
53
48
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
52
53
53
42
73
57
61
49
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
50,000
100,000
100,000
100,000
–
100,000
–
–
100,000
–
–
–
144,000
–
–
400,000
200,000
450,000
400,000
400,000
250,000
–
–
–
500,000
48
47
47
58
27
43
39
51
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
30
30
30
53
54
53
50,000
–
50,000
50,000
50,000
50,000
–
–
–
50,000
50,000
50,000
–
–
–
100,000
100,000
100,000
250,000
–
250,000
–
150,000
–
500,000
–
500,000
400,000
250,000
500,000
70
70
70
47
46
47
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, National
Compensation Survey, March 2013—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
58
48
–
$50,000
$50,000
50,000
–
$100,000
–
$200,000
$500,000
400,000
42
52
32
46
39
54
71
–
50,000
50,000
50,000
–
40,000
50,000
50,000
50,000
50,000
50,000
150,000
200,000
–
–
–
–
280,000
–
–
–
250,000
–
–
–
68
54
61
46
29
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2013
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
$10,000
$20,000
$40,000
$50,000
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
5,000
5,000
5,000
10,000
10,000
10,000
20,000
20,000
25,000
42,500
40,000
50,000
50,000
50,000
50,000
–
5,000
5,000
5,000
5,000
5,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
–
35,000
25,000
25,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
–
10,000
15,000
20,000
–
40,000
50,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
5,000
10,000
10,000
25,000
–
50,000
25,000
50,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
–
20,000
20,000
20,000
20,000
25,000
30,000
25,000
25,000
30,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
–
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
40,000
42,500
45,000
50,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
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
5,000
5,000
10,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
30,000
30,000
–
40,000
–
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2013—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
State government ..................................................
Local government ..................................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
–
$5,000
10,000
$20,000
20,000
$25,000
45,000
$50,000
50,000
5,000
5,000
–
10,000
–
10,000
5,000
10,000
5,000
5,000
–
20,000
15,000
10,000
10,000
10,000
15,000
10,000
5,000
40,000
30,000
20,000
–
–
15,000
20,000
25,000
20,000
50,000
50,000
–
25,000
20,000
20,000
50,000
50,000
50,000
50,000
50,000
50,000
30,000
50,000
–
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
3 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2013
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
53
35
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 ...
54
53
52
32
32
34
9
11
11
4
5
3
49
54
57
48
48
56
53
39
34
33
42
42
35
38
–
7
–
6
6
–
–
–
4
–
4
4
–
–
Full time .................................................................
Part time ................................................................
53
58
36
21
8
–
3
–
Union .....................................................................
Nonunion ...............................................................
45
63
39
30
13
2
3
5
54
49
57
53
36
34
34
36
3
–
6
8
8
–
3
3
44
41
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
53
52
50
44
72
61
59
52
35
34
35
43
–
25
35
37
8
–
8
6
15
–
–
9
4
–
6
8
–
–
–
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 ..........................................
54
60
45
53
53
53
44
–
51
33
30
34
–
–
–
9
11
9
–
–
–
4
6
4
State government ..................................................
83
–
12
–
Worker characteristics
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 .......................................
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Local government ..................................................
Commercially
insured
Legally
required
Other
41
47
7
6
76
–
48
54
70
52
–
80
–
48
–
42
28
46
61
13
–
27
–
–
–
–
–
–
–
–
–
–
3
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Employer assumes all risks and expenses of
providing the benefit.
2 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2013
(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
Production, transportation, and material moving ...
10
11
9
15
19
14
15
15
7
90
89
91
85
81
86
85
85
93
Full time .................................................................
Part time ................................................................
13
8
87
92
Union .....................................................................
Nonunion ...............................................................
15
9
85
91
10
11
10
90
89
90
17
83
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Public administration .........................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
12
10
7
6
6
22
18
13
19
11
88
90
93
94
94
78
82
87
81
89
State government ..................................................
14
86
Worker characteristics
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent:
Highest 10 percent .......................................
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Local government ..................................................
Employee
contribution not
required
12
88
–
30
19
–
100
70
81
100
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West South Central ...............................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2013
(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
–
86
9
–
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 ...
–
–
–
–
–
–
87
87
85
8
7
5
2
2
3
–
2
–
1
1
–
19
–
–
–
–
–
–
–
85
85
81
86
85
87
72
4
10
–
11
11
8
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
3
–
–
–
86
83
9
8
–
–
Union .....................................................................
Nonunion ...............................................................
5
–
1
–
83
89
9
8
2
2
–
–
3
–
–
–
–
–
89
90
83
85
6
3
11
9
3
–
–
–
–
–
87
6
3
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
3
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
86
87
88
89
84
83
89
84
9
7
5
4
12
13
11
12
–
2
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 ..........................................
–
–
–
3
–
3
–
–
–
–
–
(2)
88
88
89
86
86
85
5
–
–
9
10
9
–
–
–
–
–
2
State government ..................................................
–
–
81
17
–
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 .......................................
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
Local government ..................................................
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
4
–
88
5
–
–
4
3
–
–
–
–
–
–
–
–
–
–
–
–
–
89
91
74
85
84
92
90
86
–
–
19
–
–
–
–
8
–
2
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
2 Less than 0.5.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2013
(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
13
22
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
80
77
–
–
–
22
22
22
26
26
26
–
–
52
52
52
52
17
20
23
76
86
86
82
82
88
78
–
–
–
–
–
13
–
22
24
25
22
22
22
22
26
26
26
26
26
26
26
52
26
26
26
26
26
26
52
52
52
52
52
52
–
24
14
14
18
18
12
22
Full time .................................................................
84
13
22
26
26
52
16
Union .....................................................................
Nonunion ...............................................................
79
89
–
13
25
21
26
26
26
–
52
52
21
11
85
89
83
18
–
–
21
22
24
26
26
26
26
–
–
52
52
52
15
11
17
66
–
24
26
26
52
34
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Public administration .........................................
83
81
78
75
88
93
87
13
–
20
–
25
13
–
22
22
22
22
26
20
24
26
26
26
26
26
26
26
26
–
–
52
26
26
26
52
52
52
52
52
52
52
17
19
22
25
12
7
13
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
83
86
82
–
12
–
22
20
24
26
26
26
26
26
26
52
52
52
17
14
18
State government ..................................................
94
–
25
26
26
52
6
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent:
Highest 10 percent .......................................
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 2013—Continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Local government ..................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
79
13
22
26
26
52
21
80
56
88
94
91
26
–
13
22
–
26
20
–
22
21
26
26
24
–
26
26
52
26
52
26
–
52
–
52
26
20
44
12
6
9
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West 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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2013
(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
Mean fixed
percent of
annual
earnings
Greater
than 69
percent
Less than
50 percent
50 percent
–
31
8
30
19
12
60.9
60.0
60 percent
61 to 69
percent
Median
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
32
35
9
9
6
30
28
29
14
15
10
15
17
20
61.1
62.0
62.7
60.0
60.0
60.0
–
–
–
–
–
–
–
39
30
38
24
23
28
37
4
–
–
9
9
–
–
27
30
33
30
31
33
27
10
24
24
30
30
21
–
21
6
5
7
7
–
–
62.2
59.7
58.8
60.9
61.0
62.8
60.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
30
41
6
–
32
–
19
21
12
–
61.2
56.9
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
20
42
9
6
35
25
26
12
9
15
61.1
60.6
60.0
60.0
–
–
–
–
35
44
32
32
7
5
11
5
29
30
29
32
17
–
20
21
12
–
8
9
60.3
59.0
59.8
60.0
60.0
60.0
60.0
60.0
–
27
10
37
13
14
60.9
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
30
32
35
39
21
17
18
29
8
12
12
5
29
14
23
–
30
26
24
27
16
40
40
31
19
13
11
12
8
24
–
32
12
16
18
17
–
–
–
5
60.9
61.7
62.0
61.1
66.7
60.6
59.9
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 ..........................................
–
–
–
–
–
–
40
55
–
29
30
29
–
–
–
9
–
9
41
31
58
29
37
27
–
–
–
20
17
20
–
–
–
13
8
14
57.2
55.4
60.4
61.3
59.2
61.9
60.0
50.0
60.0
60.0
60.0
60.0
State government ..................................................
–
19
19
39
–
–
61.9
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 .......................................
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 2013—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Local government ..................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
35
4
27
22
12
60.5
60.0
–
–
–
–
–
–
19
46
58
–
–
22
4
–
–
–
–
33
26
27
22
55
46
39
47
–
5
–
–
–
4
–
15
–
–
–
61.7
59.2
59.1
62.8
66.6
56.7
66.0
60.0
50.0
60.0
60.0
58.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2013
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
72
$170
–
$625
$831
$1,662
28
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 ...
74
73
75
185
170
185
$500
500
546
692
692
692
831
831
831
2,000
1,662
–
26
27
25
72
69
62
74
74
66
58
–
135
135
185
185
135
170
513
200
200
200
200
–
–
692
500
500
572
572
584
692
831
692
692
–
850
692
1,000
–
1,500
–
1,662
1,662
1,500
1,500
28
31
38
26
26
34
42
Full time .................................................................
Part time ................................................................
72
65
170
–
–
185
692
200
831
476
1,662
700
28
35
Union .....................................................................
Nonunion ...............................................................
80
62
135
450
200
625
513
692
831
987
1,662
2,000
20
38
68
58
72
75
185
–
170
170
–
500
200
–
692
692
572
692
750
–
692
961
1,500
–
1,500
1,662
32
42
28
25
73
185
572
831
831
–
27
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
71
71
73
71
63
64
72
170
185
185
–
135
170
135
–
500
500
500
–
–
200
625
692
692
692
–
987
584
831
831
831
831
–
1,500
–
1,662
1,662
–
–
2,000
2,000
1,662
29
29
27
29
37
36
28
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
69
60
72
63
74
–
135
170
170
170
462
–
200
–
200
692
–
600
692
600
–
1,662
831
–
831
–
–
1,662
2,307
1,500
31
40
28
37
26
State government ..................................................
80
135
185
584
692
1,662
20
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 .......................................
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 2013—Continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
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
68
$200
$450
$692
$850
–
32
86
25
79
81
170
500
500
135
200
600
692
135
546
1,000
692
–
831
–
692
–
$831
2,000
2,000
1,662
14
75
21
19
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2013
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
19
20
22
81
80
78
24
18
19
19
20
76
82
81
81
80
Full time .................................................................
Part time ................................................................
18
21
82
79
Union .....................................................................
Nonunion ...............................................................
18
18
82
82
Average wage within the following categories:1
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
16
14
21
19
84
86
79
81
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Public administration .........................................
18
20
21
23
17
17
82
80
79
77
83
83
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
20
18
82
80
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 2013—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution not
required
20
18
80
82
8
38
8
6
52
92
62
92
94
48
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
Mountain ................................................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold.
The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
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/glossary20122013.htm.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2013
(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
95
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 ...
95
95
96
3
3
–
–
–
2
–
–
–
96
94
93
95
94
98
96
–
5
7
5
5
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
95
95
4
–
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
95
95
3
4
–
–
–
–
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 ........................................
94
97
94
95
96
95
5
–
5
4
2
–
–
–
–
–
–
2
–
–
–
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
95
96
96
97
95
94
94
93
4
3
2
–
–
–
–
6
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
91
89
94
96
96
96
6
–
–
3
–
4
2
–
–
–
–
–
–
–
–
–
–
–
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
2013—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
89
97
–
2
–
–
–
–
100
95
90
96
98
89
100
98
94
–
–
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Surveyed occupations are classified into wage
categories based on the average wage for the
occupation, which may include workers with earnings
both above and below the threshold. The categories
were formed using percentile estimates generated using
data from the National Compensation Survey
publication,
"Employer
Costs
for
Employee
Compensation - March 2013."
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/glossary20122013.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2013
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
17
43
23
13
4
60.6
60.0
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
15
16
16
40
38
36
27
27
26
13
13
15
5
6
8
60.9
60.9
61.1
60.0
60.0
60.0
16
22
22
17
17
18
17
32
46
48
50
49
42
54
28
17
15
17
17
23
–
16
10
–
15
16
–
–
7
5
–
1
1
–
–
61.3
60.2
60.1
60.1
60.1
60.3
61.1
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
16
41
44
23
24
10
13
–
4
–
60.7
59.0
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
21
13
43
43
12
32
16
10
7
2
60.5
60.7
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
18
21
17
13
20
19
41
38
44
46
42
48
26
24
24
24
19
17
12
–
11
13
14
12
3
–
4
4
6
4
60.7
60.2
60.5
61.3
60.1
59.5
60.0
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Hospitals ....................................................
Public administration .........................................
17
17
16
17
12
23
25
19
43
42
39
32
56
59
57
45
23
24
26
29
18
–
–
22
13
12
14
16
–
–
–
12
4
5
6
6
–
–
–
3
60.7
60.7
61.2
61.4
60.5
57.5
57.1
60.3
60.0
60.0
60.0
62.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
18
23
16
42
36
47
44
42
44
–
–
–
22
16
24
14
–
–
12
15
12
6
–
–
4
5
4
62.1
62.3
62.0
60.4
60.0
60.5
60.0
62.0
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 2013—Continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
11
19
51
41
25
22
–
13
–
5
60.9
60.5
60.0
60.0
11
48
–
8
–
–
–
14
61
19
61
34
58
78
35
52
–
–
–
53
–
–
–
20
19
13
11
–
–
–
34
–
–
–
–
–
–
–
–
–
61.0
57.6
61.1
61.3
58.9
59.4
63.7
61.0
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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2013
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
65
–
$3,900
$5,000
$6,000
$9,000
35
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
66
64
64
–
–
–
3,900
3,900
3,900
5,000
5,000
5,000
6,000
6,000
6,000
8,000
8,000
8,000
34
36
36
61
64
65
59
59
65
79
–
–
–
–
–
–
–
3,500
4,000
4,500
–
–
3,900
3,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,250
7,500
7,500
6,000
6,000
6,000
7,000
8,000
10,000
10,000
9,000
9,000
7,500
10,000
39
36
35
41
41
35
21
Full time .................................................................
Part time ................................................................
66
49
–
–
3,900
4,500
5,000
5,000
6,000
6,000
9,000
8,100
34
51
Union .....................................................................
Nonunion ...............................................................
62
67
–
–
3,500
3,900
5,000
5,000
6,000
6,000
9,000
8,750
38
33
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
60
54
66
66
66
71
–
–
–
–
–
$2,500
3,900
3,900
–
3,900
4,000
4,500
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,500
6,000
6,000
6,000
7,000
8,000
10,000
9,000
9,400
9,100
8,000
40
46
34
34
34
29
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Healthcare and social assistance ..................
Public administration .........................................
65
63
64
63
66
57
65
–
–
–
–
–
800
–
3,900
3,900
3,900
3,500
3,900
4,000
–
5,000
5,000
5,000
5,000
5,500
5,000
5,000
6,000
6,000
6,000
–
7,000
7,000
6,000
9,000
8,000
8,000
8,000
10,000
8,000
9,000
35
37
36
37
34
43
35
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
66
76
56
65
58
67
–
3,000
–
–
–
–
3,900
3,900
–
3,900
4,000
3,900
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
6,000
7,000
7,000
–
10,000
9,400
10,000
34
24
44
35
42
33
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 2013—Continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
59
67
–
–
$3,500
3,900
$5,000
5,000
$6,000
6,000
$10,000
9,000
41
33
78
44
58
82
44
63
–
$3,000
3,000
800
–
3,000
–
4,500
4,500
–
5,000
4,500
5,000
5,000
5,000
3,900
5,000
5,000
6,500
7,000
5,250
5,000
7,000
6,000
7,500
10,000
7,500
8,000
10,000
10,000
22
56
42
18
56
37
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 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation
Survey publication, "Employer Costs for Employee Compensation - March
2013."
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/glossary20122013.htm.