Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2009
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
62
60
96
37
36
97
33
32
96
78
85
75
74
76
84
73
72
98
99
98
98
43
56
38
21
42
54
37
21
98
98
98
97
52
60
49
40
50
58
46
39
96
96
96
97
78
69
42
72
61
48
68
60
77
67
39
70
58
45
66
57
98
97
93
97
96
92
97
96
17
35
23
26
36
30
40
36
17
35
21
25
35
29
39
35
95
99
94
96
97
96
98
97
40
47
15
22
33
20
41
25
39
45
14
21
31
18
39
24
98
96
93
95
96
93
97
97
51
69
66
72
61
49
67
64
70
58
95
97
96
97
96
29
45
47
55
39
28
43
46
54
38
97
97
98
98
97
16
34
28
31
24
16
33
27
30
23
98
96
96
96
95
Full time .................................................................
Part time ................................................................
76
16
73
15
97
90
44
14
42
14
97
96
41
7
39
7
96
93
Union .....................................................................
Nonunion ...............................................................
83
59
81
56
98
96
47
35
46
34
98
97
35
33
34
31
97
95
Wage percentiles:3
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
17
32
66
74
82
84
15
29
63
72
81
83
87
90
96
97
98
98
13
19
37
44
50
52
12
17
36
43
49
51
89
93
97
98
98
98
5
10
30
40
55
57
5
9
29
39
52
55
95
93
95
96
96
96
Goods-producing industries ...................................
71
69
97
52
51
98
33
32
96
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
61
70
77
76
84
65
86
82
58
68
75
75
80
62
84
80
96
97
98
98
96
96
98
98
34
27
22
19
29
31
43
28
33
27
22
18
28
31
42
27
97
97
96
96
97
98
98
99
33
38
40
36
52
36
58
31
32
36
39
35
49
34
55
30
96
95
96
97
95
95
96
95
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 2009—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 disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
44
39
57
78
71
85
42
37
54
76
68
83
95
94
96
97
96
98
27
24
34
46
43
48
26
23
33
44
41
47
97
96
97
97
97
97
21
18
29
44
36
51
20
18
27
42
34
49
95
95
96
96
96
96
60
60
66
63
66
67
61
61
57
58
59
64
61
63
64
57
57
55
97
98
96
97
96
95
93
95
96
36
68
40
29
33
32
26
26
29
35
68
38
28
31
30
24
25
28
97
100
97
98
95
93
96
98
97
33
29
38
35
35
33
31
33
30
31
29
36
34
34
32
29
32
28
95
97
95
96
95
97
96
95
96
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes workers in the private nonfarm economy except those in private households,
and workers in the public sector, except the federal government. See Technical Note for
further explanation.
3 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2009
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution not
required
Employee
contribution
required
94
6
94
95
94
91
6
5
6
9
91
96
91
92
94
93
95
91
9
4
9
8
6
7
5
9
89
93
94
94
95
11
7
6
6
5
Full time .................................................................
Part time ................................................................
94
96
6
4
Union .....................................................................
Nonunion ...............................................................
94
94
6
6
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
89
91
93
94
95
94
11
9
7
6
5
6
Goods-producing industries ...................................
93
7
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
94
94
91
91
96
97
89
6
6
9
9
4
3
11
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 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution not
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
required
94
93
95
94
94
94
6
7
5
6
6
6
91
97
93
96
93
83
93
94
96
9
3
7
4
7
17
7
6
4
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 percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major
plans, key provisions, and related terms, see
the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2009
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
earnings
Variable
multiple of
earnings
Flat dollar
amount
Variable
dollar
amount
Other
54
2
40
3
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
60
67
57
37
3
4
3
2
33
26
36
55
2
2
3
5
1
2
1
1
32
66
46
36
62
61
62
36
1
2
1
2
2
1
2
1
61
30
47
55
33
36
32
57
5
2
5
5
2
1
2
4
1
–
1
2
1
1
1
1
21
49
43
42
45
–
1
1
1
–
72
45
49
50
48
4
4
5
5
5
–
1
1
1
2
Full time .................................................................
Part time ................................................................
54
47
2
1
39
48
3
2
1
2
Union .....................................................................
Nonunion ...............................................................
36
59
1
2
55
35
8
2
1
1
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
45
48
51
53
58
60
–
1
2
2
3
4
46
47
43
41
33
33
8
4
3
3
3
2
–
(3)
1
1
2
2
Goods-producing industries ...................................
43
2
50
4
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
56
50
39
31
55
61
76
39
2
2
2
1
5
2
3
3
37
43
53
62
33
34
18
49
3
4
5
5
4
3
2
7
1
1
1
1
3
1
–
2
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
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
earnings
Flat dollar
amount
Variable
dollar
amount
Other
44
44
45
58
58
59
1
1
1
3
2
3
51
51
52
34
37
32
2
2
2
4
2
5
1
1
–
1
1
1
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
60
57
50
52
61
55
53
49
47
4
2
2
3
2
–
2
2
2
32
35
43
43
32
36
42
47
47
3
5
4
2
3
5
1
–
2
–
1
( )
1
2
–
2
–
1
1 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
2 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
3 Less than 0.5 percent.
Geographic areas
3
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/glossary20082009.htm.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, civilian workers,1 National
Compensation Survey, March 2009
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of 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
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
1
58
14
24
4
1.4
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
1
(3)
53
51
54
46
14
14
14
23
27
29
26
28
5
6
4
4
1.4
1.4
1.4
1.5
1.0
1.0
1.0
1.5
–
–
1
–
1
1
1
1
47
70
60
53
63
72
60
62
25
12
18
17
11
8
12
11
27
14
18
21
22
17
24
24
2
–
3
9
4
3
4
2
1.4
1.2
1.3
1.5
1.3
1.2
1.4
1.3
1.5
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
1
–
1
54
65
57
52
63
11
11
16
16
17
33
21
24
30
18
–
2
2
2
2
1.4
1.3
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
58
67
14
11
24
17
4
4
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
1
60
58
17
13
17
25
4
4
1.3
1.4
1.0
1.0
Wage percentiles:4
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
–
1
1
1
1
59
68
62
56
54
48
22
14
14
15
12
13
–
16
21
24
28
31
–
2
2
4
5
6
1.3
1.3
1.3
1.4
1.4
1.5
1.0
1.0
1.0
1.0
1.0
–
Goods-producing industries ...................................
1
49
14
30
6
1.5
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
1
2
1
–
–
2
–
–
59
60
45
43
46
68
73
53
14
16
21
25
15
13
10
24
23
20
29
31
28
15
12
17
3
3
4
2
–
–
–
6
1.4
1.3
1.5
1.5
1.5
1.2
1.2
1.4
1.0
1.0
1.5
1.5
–
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, civilian workers,1 National
Compensation Survey, March 2009—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of 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
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
1
1
1
1
–
1
58
57
60
58
60
56
13
13
14
14
14
14
24
25
23
24
22
25
4
5
3
3
3
4
1.4
1.4
1.3
1.4
1.3
1.4
1.0
1.0
1.0
1.0
1.0
1.0
3
3
–
–
(3)
–
–
–
1
66
55
56
57
60
52
58
65
58
7
19
14
15
13
17
12
13
10
20
19
25
20
25
–
28
19
26
3
4
4
–
2
–
2
2
5
1.3
1.4
1.4
1.4
1.4
1.4
1.4
1.3
1.4
1.0
1.0
1.0
1.0
1.0
–
1.0
1.0
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. Includes multiple of earnings not
shown separately.
3 Less than 0.5 percent.
4 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2009
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
$10,000
$15,000
$25,000
$50,000
5,000
10,000
5,000
7,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
25,000
47,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
10,000
25,000
15,000
10,000
10,000
15,000
15,000
20,000
15,000
50,000
40,000
25,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
40,000
45,000
50,000
50,000
50,000
50,000
5,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
20,000
15,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
46,000
50,000
Full time .................................................................
Part time ................................................................
7,000
5,000
10,000
5,000
16,000
10,000
25,000
20,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
20,000
15,000
40,000
25,000
50,000
50,000
Goods-producing industries ...................................
10,000
10,000
20,000
25,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
7,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
6,000
10,000
10,000
10,000
15,000
20,000
20,000
20,000
10,000
15,000
12,500
20,000
25,000
35,000
46,000
50,000
30,000
25,000
20,000
30,000
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 ..........................................
8,000
10,000
7,500
5,000
7,500
5,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
20,000
20,000
20,000
25,000
25,000
25,000
30,000
25,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2009—Continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
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
$5,000
5,000
7,500
10,000
5,000
10,000
5,000
10,000
5,000
$7,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
20,000
20,000
20,000
15,000
15,000
15,000
20,000
15,000
$32,000
40,000
25,000
27,500
25,000
25,000
20,000
25,000
30,000
$50,000
50,000
50,000
50,000
50,000
50,000
40,000
50,000
50,000
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.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
46
34
16
4
51
53
50
46
32
33
31
20
13
11
14
20
4
2
5
14
41
46
35
43
49
51
48
39
–
34
33
31
32
28
33
38
28
15
28
21
17
20
16
14
–
4
4
5
2
1
3
8
27
48
44
46
42
42
36
42
42
42
17
12
11
9
13
14
4
3
3
3
Full time .................................................................
Part time ................................................................
47
37
36
19
13
41
4
3
Union .....................................................................
Nonunion ...............................................................
45
47
30
36
14
16
11
2
Wage percentiles:3
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
34
35
43
45
53
54
25
34
39
37
29
28
40
29
14
14
13
13
–
2
3
4
5
5
Goods-producing industries ...................................
47
40
9
4
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
46
40
51
38
69
34
50
53
33
34
21
22
17
41
30
23
17
18
12
12
11
21
15
8
4
8
16
27
2
4
6
16
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2009—Continued
(All workers with 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 ..........................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
31
29
33
54
48
59
40
40
40
32
37
27
27
29
24
10
12
8
2
2
3
5
3
6
48
21
58
58
56
56
59
52
51
48
22
35
38
41
43
39
44
35
–
53
–
–
–
–
–
–
12
–
5
6
4
3
–
2
–
2
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 Employer assumes all risks and expenses of
providing the benefit.
3 The percentile groupings are based on the average
wage for each occupation surveyed, which may include
workers both above and below the threshold. The
percentile values are based on the estimates published in
the "National Compensation Survey: Occupational Earnings
in the United States, 2008." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation
Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
19
81
15
14
15
21
85
86
85
79
26
19
34
18
20
23
18
20
74
81
66
82
80
77
82
80
16
23
17
15
19
84
77
83
85
81
Full time .................................................................
Part time ................................................................
18
36
82
64
Union .....................................................................
Nonunion ...............................................................
16
20
84
80
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
53
36
20
17
14
13
47
64
80
83
86
87
Goods-producing industries ...................................
13
87
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
21
21
14
13
9
25
21
15
79
79
86
87
91
75
79
85
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation
Survey, March 2009—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution
not required
28
30
25
15
17
13
72
70
75
85
83
87
9
46
8
6
7
7
5
11
91
54
92
94
93
93
95
89
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 percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
7
2
68
21
2
1
1
1
2
1
1
1
1
67
61
70
87
29
36
25
8
3
1
3
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
–
4
4
3
16
–
–
1
1
1
1
1
6
87
76
85
85
67
68
66
60
6
14
8
10
26
25
27
16
3
8
3
–
3
2
3
2
21
13
18
20
16
7
5
6
7
4
62
59
66
62
70
8
21
10
10
10
1
3
1
1
1
Full time .................................................................
Part time ................................................................
7
3
2
1
67
79
21
15
2
3
Union .....................................................................
Nonunion ...............................................................
16
4
7
1
59
71
15
22
3
2
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
3
7
9
8
4
2
–
1
2
2
3
1
89
80
72
67
62
61
6
11
15
20
29
33
–
2
2
2
3
2
Goods-producing industries ...................................
19
6
58
16
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
3
2
2
2
2
1
–
2
1
1
1
1
–
1
1
–
71
79
84
87
78
76
79
86
22
13
10
5
19
14
14
10
3
6
3
4
1
8
5
–
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
Flat dollar
amounts
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
7
7
8
6
9
4
1
2
1
3
2
4
75
74
76
65
67
63
15
17
13
23
20
25
1
1
2
3
2
3
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
5
4
13
11
7
–
7
6
2
1
1
4
2
2
4
–
–
2
69
82
57
66
65
79
56
63
63
24
12
23
19
24
8
32
25
27
1
1
2
2
1
–
–
–
5
1 Includes workers in the private nonfarm economy except
those in private households, and workers in the public sector,
except the federal government. See Technical Note for further
explanation.
2 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
Geographic areas
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks2
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
89
13
24
26
26
26
11
87
87
87
86
13
13
13
20
24
21
24
26
26
26
26
26
26
26
26
26
26
26
26
52
13
13
13
14
88
91
93
91
88
86
88
87
20
13
13
12
13
13
13
13
24
22
26
20
21
21
22
26
26
26
26
26
26
26
26
26
52
26
26
26
26
26
26
26
52
26
26
26
26
26
26
36
12
9
7
9
12
14
12
13
93
83
90
89
91
13
13
13
13
13
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
48
36
26
26
26
7
17
10
11
9
Full time .................................................................
Part time ................................................................
88
92
13
13
24
26
26
26
26
26
26
26
12
8
Union .....................................................................
Nonunion ...............................................................
84
90
16
13
26
23
26
26
26
26
52
26
16
10
Goods-producing industries ...................................
90
13
26
26
26
26
10
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
88
90
83
81
90
94
91
88
13
13
20
20
18
13
13
12
24
24
24
22
26
24
20
24
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
26
26
52
52
26
26
26
52
12
10
17
19
10
6
9
12
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
92
92
91
87
87
86
13
13
13
13
13
13
24
26
20
24
21
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
8
8
9
13
13
14
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 24. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks2
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
91
93
83
86
91
92
83
83
87
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
13
26
13
12
12
12
12
12
13
24
26
20
13
20
24
20
13
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
9
7
17
14
9
8
17
17
13
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
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/glossary20082009.htm.
Table 25. Short-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation Survey,
March 2009
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
Greater
than 69
percent
50 percent
1
23
2
32
25
17
64.0
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
(2)
–
(2)
–
18
18
18
31
–
2
3
5
31
35
30
13
24
19
26
23
23
24
23
27
66.4
65.8
66.7
66.9
60.0
60.0
60.0
66.0
–
–
–
–
(2)
–
(2)
2
44
18
37
24
22
23
21
24
4
3
2
–
2
1
2
–
12
42
27
40
32
30
34
31
20
27
25
22
25
24
26
33
20
9
8
8
19
22
17
10
62.0
61.2
59.8
61.1
64.4
65.0
64.2
61.7
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
4
1
2
2
1
19
28
19
17
22
–
–
1
1
1
26
34
39
42
36
42
26
25
26
25
9
10
14
13
16
62.3
61.2
63.5
62.5
64.8
65.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
21
39
2
2
34
14
25
32
18
13
64.2
61.8
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
22
23
4
1
24
34
34
23
15
18
63.9
64.0
60.0
60.0
Wage percentiles:3
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
(2)
1
1
1
(2)
49
35
24
19
19
17
–
1
2
2
2
3
19
26
37
35
29
26
25
28
24
26
25
25
6
10
13
17
25
28
58.1
60.6
62.4
64.3
66.7
67.9
60.0
60.0
60.0
60.0
60.0
66.0
Goods-producing industries ...................................
3
13
(2)
39
27
18
65.1
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
(2)
1
–
–
–
1
–
–
25
27
31
41
20
24
21
26
2
5
8
4
16
3
3
3
31
27
16
14
19
34
42
36
25
26
17
24
6
31
25
26
17
15
28
17
39
7
8
8
63.7
62.7
66.3
61.9
71.2
60.6
60.4
60.7
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Median
fixed
percent of
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation Survey,
March 2009—Continued
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
50 percent
50 percent
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
earnings
Median
fixed
percent of
earnings
1
–
–
1
1
(2)
26
27
25
21
16
25
1
1
–
2
–
4
31
30
32
33
38
29
30
32
28
22
25
21
12
10
14
20
19
21
62.4
62.3
62.5
64.9
65.0
64.9
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
–
–
–
–
–
–
13
37
13
11
19
–
9
9
15
–
1
–
–
–
–
1
–
12
42
9
42
44
48
46
50
48
30
14
45
20
17
11
4
18
13
25
29
7
24
27
19
–
21
29
17
66.5
61.7
65.3
66.5
64.5
61.1
66.3
67.7
64.4
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 Less than 0.5 percent.
3 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2008." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dash
indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation
Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
10
90
10
9
11
17
90
91
89
83
19
8
11
14
10
12
9
12
81
92
89
86
90
88
91
88
8
14
10
11
9
92
86
90
89
91
Full time .................................................................
Part time ................................................................
11
9
89
91
Union .....................................................................
Nonunion ...............................................................
13
10
87
90
Wage percentiles:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
9
11
10
10
12
91
89
90
90
88
Goods-producing industries ...................................
10
90
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
10
13
17
20
14
9
10
17
90
87
83
80
86
91
90
83
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation
Survey, March 2009—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
9
10
6
11
9
12
91
90
94
89
91
88
8
8
14
7
8
8
10
22
10
92
92
86
93
92
92
90
78
90
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private
nonfarm economy except those in private
households, and workers in the public
sector, except the federal government. See
Technical Note for further explanation.
2 The percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
93
5
1
1
94
92
94
94
5
7
5
3
(2)
1
(2)
1
1
1
1
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
96
96
95
92
94
94
94
91
–
4
4
8
6
6
6
5
–
–
(2)
–
(2)
–
(2)
2
2
–
–
–
(2)
–
(2)
2
89
92
87
85
91
7
4
4
5
4
2
2
5
7
2
2
1
3
3
4
Full time .................................................................
Part time ................................................................
93
92
5
7
1
1
1
–
Union .....................................................................
Nonunion ...............................................................
85
94
6
5
5
(2)
4
(2)
Wage percentiles:3
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
97
96
94
93
92
92
–
3
5
6
5
6
–
1
1
1
1
1
–
–
(2)
1
1
1
Goods-producing industries ...................................
89
5
5
2
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
94
95
93
96
88
96
96
93
5
4
5
1
–
4
4
7
(2)
(2)
1
–
(2)
–
–
–
1
1
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2009—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
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
95
95
96
92
93
91
4
4
3
6
5
6
1
1
1
1
1
2
(2)
–
–
1
1
1
95
97
88
89
96
93
92
95
93
4
2
8
–
3
5
6
4
5
–
1
3
1
2
( )
–
–
–
1
1
–
1
–
2
( )
–
1
–
2
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 Less than 0.5 percent.
3 The percentile groupings are based on the
average wage for each occupation surveyed, which may
include workers both above and below the threshold.
The percentile values are based on the estimates
published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation
Survey, March 2009
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
21
59
12
7
2
59.1
60.0
21
19
21
16
56
61
54
43
14
12
14
22
7
7
7
12
2
1
3
8
59.2
59.3
59.2
61.4
60.0
60.0
60.0
60.0
17
36
38
25
17
19
17
23
37
54
46
48
62
63
62
63
25
6
8
16
13
11
13
6
12
3
6
–
6
6
7
6
9
–
2
–
1
1
2
1
61.5
56.3
57.3
59.5
59.5
59.1
59.7
58.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
21
24
17
16
18
66
62
68
67
70
6
6
7
10
4
6
7
5
–
5
–
1
2
–
2
58.3
58.4
59.2
59.2
59.1
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
21
25
59
53
12
12
7
6
2
4
59.0
59.3
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
27
20
46
61
10
12
10
6
6
1
59.5
59.0
60.0
60.0
Wage percentiles:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
21
19
22
22
58
60
60
57
55
8
11
12
12
13
6
7
7
7
7
2
1
2
2
3
58.6
58.9
59.3
59.0
59.1
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
18
67
9
5
1
58.9
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
22
24
15
18
10
31
38
21
57
53
45
34
63
60
57
46
12
12
22
27
15
4
3
21
7
8
12
14
7
4
2
–
2
3
6
8
4
–
–
–
59.1
58.8
61.3
61.7
60.6
56.8
55.7
59.9
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
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 28. Long-term disability plans: Fixed percent of earnings, civilian workers,1 National Compensation
Survey, March 2009—Continued
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of 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
earnings
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
15
15
15
24
16
29
65
64
66
56
63
51
11
12
9
12
11
12
7
7
7
6
8
5
2
1
2
2
2
2
59.8
59.8
59.9
58.7
59.6
58.1
60.0
60.0
60.0
60.0
60.0
60.0
18
18
26
14
18
–
19
17
24
60
66
58
63
59
51
64
57
48
8
9
7
10
18
4
8
16
18
13
6
6
9
4
–
7
–
7
2
2
4
4
1
–
2
–
2
59.5
59.4
58.7
60.0
59.1
56.1
58.7
59.7
59.6
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy except those in private
households, and workers in the public sector, except the federal government.
See Technical Note for further explanation.
2 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2009
(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
78
$3,000
$5,000
$7,000
$10,000
$15,000
22
78
79
77
70
3,500
4,000
3,000
2,500
5,000
5,000
5,000
3,900
7,500
10,000
7,000
5,000
10,000
12,000
10,000
7,500
15,000
17,300
15,000
10,000
22
21
23
30
65
83
77
68
81
85
79
77
1,500
3,500
3,000
2,000
3,000
2,800
3,000
2,917
3,500
5,000
5,000
3,900
5,000
5,000
5,000
4,000
5,000
7,000
6,500
5,000
7,500
7,000
7,500
5,000
6,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
8,333
15,000
13,000
15,000
15,000
16,667
15,000
12,000
35
17
23
32
19
15
21
23
75
79
73
78
67
2,000
3,000
2,500
2,917
2,500
3,900
4,000
5,000
5,000
5,000
5,000
5,000
6,000
7,000
5,000
8,333
10,000
10,000
10,000
8,333
12,000
12,000
12,500
15,000
10,000
25
21
27
22
33
Full time .................................................................
Part time ................................................................
78
66
3,000
3,000
5,000
5,000
7,500
6,000
10,000
10,000
15,000
15,000
22
34
Union .....................................................................
Nonunion ...............................................................
64
80
2,000
3,000
4,000
5,000
5,000
7,500
7,500
10,000
10,000
15,000
36
20
Goods-producing industries ...................................
80
2,500
5,000
7,500
10,000
15,000
20
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
77
76
71
66
82
81
84
60
3,000
3,000
2,500
1,500
3,900
3,000
3,000
2,000
5,000
5,000
3,900
3,750
5,000
5,000
5,000
3,000
7,000
5,500
5,000
5,000
6,000
6,000
7,500
5,000
10,000
10,000
7,500
6,000
10,000
10,000
10,000
6,000
15,000
10,500
10,000
8,333
12,000
15,000
15,000
9,000
23
24
29
34
18
19
16
40
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
81
81
81
77
81
74
3,000
3,000
3,000
3,000
3,000
3,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
6,000
7,500
7,000
10,000
10,000
10,000
10,000
10,000
10,000
10,500
15,000
15,000
10,000
15,000
15,000
15,000
19
19
19
23
19
26
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2009—Continued
(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
82
79
69
78
83
78
71
77
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
$3,000
3,000
3,000
3,333
3,000
3,000
4,000
4,000
$5,000
5,000
5,000
5,000
4,000
5,000
5,000
5,000
$7,000
7,000
6,000
6,000
6,000
7,500
7,500
10,000
$10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$15,000
15,000
15,000
15,000
15,000
15,000
15,000
17,300
18
21
31
22
17
22
29
23
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
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/glossary20082009.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2009
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
59
57
96
39
38
97
33
31
95
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 ..................
77
85
73
36
54
59
48
66
57
75
84
71
33
51
56
44
64
54
98
99
98
92
94
95
92
97
95
52
60
48
23
31
37
30
42
37
51
59
47
21
30
36
29
41
36
98
98
98
93
95
97
96
98
97
58
64
55
13
15
32
19
41
23
55
62
52
12
14
31
18
40
22
96
96
96
93
95
96
93
97
96
47
67
66
72
60
44
65
63
70
57
94
97
96
97
95
29
46
48
56
40
28
45
47
55
39
97
97
98
98
97
13
34
28
31
24
13
33
27
30
23
97
96
96
96
95
Full time .................................................................
Part time ................................................................
73
15
70
14
96
89
47
14
46
14
97
96
41
6
39
6
96
92
Union .....................................................................
Nonunion ...............................................................
79
57
77
54
98
96
62
37
61
36
98
97
35
32
34
31
96
95
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
17
28
64
71
79
82
15
25
61
69
78
81
87
89
95
97
99
99
15
18
38
47
59
61
13
17
37
46
58
60
88
92
97
98
98
98
–
9
28
40
58
64
–
8
27
39
56
61
–
92
95
96
96
96
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
71
44
82
69
41
80
97
93
98
52
25
64
51
24
63
98
97
98
33
12
41
32
11
40
96
92
97
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
56
58
71
48
75
92
54
55
69
43
74
91
96
94
97
91
98
99
37
35
48
28
41
50
35
34
46
27
40
50
97
96
97
95
99
100
33
23
39
12
34
87
31
22
37
11
33
85
95
94
95
89
97
98
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 2009—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
Participation
Short-term disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
81
79
86
90
80
53
57
71
36
64
68
86
63
28
27
37
81
77
85
89
79
49
56
71
33
62
67
85
61
25
24
35
99
98
99
99
99
93
97
99
93
96
99
99
96
91
90
93
71
63
69
69
67
39
41
52
25
32
36
44
32
21
21
25
69
61
68
68
67
38
40
49
25
32
36
43
31
19
19
24
98
98
98
98
99
97
97
96
97
98
98
97
98
90
90
96
62
65
74
77
73
32
40
58
15
39
59
79
35
–
–
25
61
61
70
73
68
31
38
56
15
37
56
76
34
–
–
24
98
95
95
96
93
95
97
97
97
95
96
96
95
–
–
95
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
43
39
56
77
71
85
41
36
53
75
68
84
95
94
96
97
95
98
27
24
36
53
47
62
26
23
35
52
45
60
97
96
97
97
97
98
20
18
27
46
36
60
20
17
26
44
34
57
95
95
96
96
96
96
58
56
64
60
62
64
58
57
53
56
55
62
58
60
61
53
53
51
97
98
97
97
96
96
91
94
96
41
73
42
32
34
39
29
27
28
40
73
41
31
33
36
27
26
27
97
100
96
98
95
93
95
97
97
36
32
36
31
34
36
33
29
29
34
31
34
29
32
35
32
27
28
95
97
95
95
95
97
96
95
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical Note for more details.
NOTE: Dash indicates no workers in this category or data did not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2009
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution not
required
Employee
contribution
required
95
5
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 ..................
97
97
97
93
95
93
96
91
3
3
3
7
5
7
4
9
87
94
95
94
96
13
6
5
6
4
Full time .................................................................
Part time ................................................................
95
97
5
3
Union .....................................................................
Nonunion ...............................................................
96
95
4
5
Wage percentiles:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
92
94
95
97
97
8
6
5
3
3
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
93
88
95
7
12
5
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
95
94
94
93
98
95
5
6
6
7
2
5
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 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution not
required
Characteristics
Employee
contribution
required
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
97
96
97
97
96
96
98
93
97
96
98
98
95
3
4
3
3
4
4
2
7
3
4
2
2
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
95
95
94
96
6
6
5
5
6
4
95
98
95
96
95
88
93
94
95
5
2
5
4
5
12
7
6
5
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major
plans, key provisions, and related terms, see
the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2009
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
earnings
Variable
multiple of
earnings
Flat dollar
amount
Variable
dollar
amount
Other
58
2
36
3
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
71
73
69
49
32
65
62
66
35
4
4
4
1
–
2
1
2
1
23
21
24
45
67
31
36
29
59
1
1
1
4
–
1
1
2
4
1
1
1
(1)
–
1
1
1
–
16
50
44
42
46
1
1
1
1
–
78
45
49
50
47
4
4
5
5
4
–
1
1
1
–
Full time .................................................................
Part time ................................................................
58
50
2
1
36
46
3
2
1
2
Union .....................................................................
Nonunion ...............................................................
39
61
1
2
51
34
7
2
1
1
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
46
47
55
55
67
70
–
1
2
2
4
5
45
48
41
40
25
22
7
4
2
2
2
1
–
–
1
1
2
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
43
14
49
2
–
2
50
83
43
4
2
5
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
62
55
50
53
60
82
2
2
3
1
–
2
32
40
43
44
33
14
2
2
4
1
–
–
1
1
–
1
3
–
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 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
earnings
Variable
multiple of
earnings
Flat dollar
amount
Variable
dollar
amount
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
85
80
83
87
80
59
64
67
49
61
59
64
62
53
53
46
3
3
3
4
3
–
2
1
–
3
6
–
3
–
–
–
11
15
11
8
15
38
31
30
47
32
30
23
33
40
39
54
–
1
1
–
1
–
–
–
–
3
3
1
3
7
8
–
–
1
1
1
1
–
–
–
–
1
2
2
1
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
45
45
45
66
61
71
1
2
–
3
2
4
51
51
51
27
34
20
2
2
2
3
2
4
1
1
–
1
1
1
69
62
52
54
61
55
61
54
57
4
2
2
3
2
–
2
2
2
25
32
42
41
34
36
33
43
38
–
3
4
1
2
6
2
–
2
–
1
1
1
1
–
2
–
1
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
2 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, private industry workers,
National Compensation Survey, March 2009
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of 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
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
1
60
12
24
3
1.3
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
1
2
–
1
1
1
2
56
52
58
63
53
64
72
61
63
12
13
11
18
–
9
7
10
9
27
29
26
16
–
22
17
24
25
4
6
3
1
–
4
3
4
2
1.4
1.4
1.4
1.3
1.4
1.3
1.2
1.4
1.3
1.0
1.0
1.0
1.0
–
1.0
1.0
1.0
1.0
–
2
1
–
1
51
66
58
52
64
7
9
16
15
16
42
21
24
30
17
–
2
2
2
1
1.5
1.3
1.3
1.4
1.3
–
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
1
60
69
12
9
24
17
3
3
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
2
1
63
60
9
12
23
24
3
3
1.3
1.4
1.0
1.0
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
–
1
1
1
1
60
68
65
58
56
51
21
15
12
13
10
11
–
15
19
24
29
32
–
2
2
3
4
5
1.3
1.3
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
1
–
1
49
67
48
14
–
15
31
26
31
6
–
6
1.5
1.3
1.5
–
1.0
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
2
2
62
67
48
84
64
38
11
11
18
6
14
6
22
19
27
9
19
49
3
3
6
1
–
6
1.3
1.3
1.5
1.1
1.3
1.7
1.0
1.0
1.5
1.0
1.0
2.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, private industry workers,
National Compensation Survey, March 2009—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of 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
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
1
1
1
2
–
–
–
–
2
5
7
2
–
–
5
67
60
59
56
65
63
51
51
50
68
59
54
70
61
60
44
5
6
5
6
4
–
13
10
–
12
14
14
12
28
32
–
24
27
27
30
23
27
34
35
31
16
18
20
15
11
7
30
4
6
7
8
5
–
2
3
–
1
4
5
1
–
–
–
1.3
1.4
1.4
1.5
1.3
1.3
1.5
1.5
1.4
1.2
1.3
1.3
1.2
1.2
1.2
1.5
1.0
1.0
1.0
1.0
1.0
1.0
–
–
–
1.0
1.0
1.0
1.0
1.0
1.0
–
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
–
2
59
58
61
61
62
59
12
12
12
12
13
11
24
25
24
23
22
24
4
4
3
3
2
4
1.4
1.4
1.4
1.3
1.3
1.3
1.0
1.0
1.0
1.0
1.0
1.0
3
3
–
–
1
–
–
–
1
67
59
54
62
64
58
59
65
57
6
14
15
10
11
19
10
12
10
21
21
27
21
22
20
28
20
27
3
3
3
6
2
–
2
3
5
1.3
1.3
1.4
1.4
1.3
1.3
1.4
1.3
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans in which insurance equaled a multiple of
earnings plus or minus a specified amount. Includes multiple of earnings not
shown separately.
2 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2009
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$7,500
$10,000
$15,000
$25,000
$50,000
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 ..................
10,000
10,000
10,000
5,000
5,000
10,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
10,000
5,000
15,000
15,000
20,000
15,000
50,000
40,000
50,000
20,000
10,000
25,000
20,000
25,000
25,000
50,000
50,000
50,000
30,000
10,000
50,000
50,000
50,000
50,000
5,000
10,000
10,000
10,000
6,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
20,000
15,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
46,000
46,000
46,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
5,000
15,000
10,000
25,000
20,000
50,000
25,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
15,000
15,000
29,000
25,000
50,000
50,000
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
5,000
10,000
10,000
10,000
10,000
20,000
15,000
20,000
25,000
25,000
25,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
5,000
5,000
10,000
5,000
10,000
10,000
1,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
20,000
15,000
10,000
15,000
15,000
20,000
10,000
15,000
15,000
15,000
25,000
25,000
30,000
20,000
20,000
25,000
25,000
25,000
20,000
25,000
45,000
25,000
50,000
50,000
50,000
50,000
25,000
50,000
40,000
40,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
40,000
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2009—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
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
$5,000
15,000
5,000
5,000
10,000
5,000
5,000
10,000
10,000
10,000
$10,000
15,000
5,000
10,000
15,000
10,000
10,000
10,000
10,000
10,000
$20,000
25,000
10,000
15,000
25,000
20,000
15,000
10,000
10,000
15,000
$25,000
50,000
20,000
25,000
50,000
50,000
25,000
20,000
20,000
30,000
$50,000
100,000
25,000
50,000
50,000
50,000
50,000
30,000
35,000
50,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10,000
10,000
8,000
5,000
8,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
25,000
25,000
25,000
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
8,000
6,000
5,000
5,000
5,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
15,000
20,000
15,000
15,000
15,000
15,000
15,000
50,000
30,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
45
36
16
2
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
51
52
49
31
25
49
50
48
39
34
34
34
36
38
33
29
34
40
14
11
15
32
36
18
20
17
15
2
2
2
1
–
1
1
1
7
24
48
44
46
41
45
36
42
42
42
19
12
11
9
14
12
3
3
3
3
Full time .................................................................
Part time ................................................................
46
36
37
20
14
43
2
1
Union .....................................................................
Nonunion ...............................................................
44
46
34
36
15
17
7
1
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
34
36
42
44
52
54
24
32
41
39
32
30
41
31
16
14
14
13
–
1
1
3
3
3
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
47
17
52
40
44
39
9
27
7
4
12
3
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
45
49
48
51
45
63
35
30
35
25
37
21
19
19
16
22
–
–
2
2
–
2
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2009—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Commercially
insured
Legally
required
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
65
64
69
73
63
29
36
36
24
35
53
69
31
–
–
15
25
27
24
21
30
47
44
45
50
41
26
24
44
34
31
35
9
9
7
6
6
–
19
18
26
21
20
7
22
–
–
50
–
–
–
–
–
–
2
–
–
3
–
–
3
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
30
28
33
54
48
60
40
40
40
34
38
30
28
30
25
10
12
7
2
2
2
2
2
2
48
20
59
59
54
56
59
54
44
49
23
37
38
44
43
39
41
40
–
55
–
–
–
–
–
–
14
–
1
4
4
1
–
2
–
2
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Employer assumes all risks and expenses of
providing the benefit.
2 The percentile groupings are based on the average
wage for each occupation surveyed, which may include
workers both above and below the threshold. The
percentile values are based on the estimates published in
the "National Compensation Survey: Occupational Earnings
in the United States, 2008." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution
requirement, private industry workers, National
Compensation Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
20
80
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
16
14
16
38
20
23
18
20
84
86
84
62
80
77
82
80
17
23
17
15
20
83
77
83
85
80
Full time .................................................................
Part time ................................................................
18
38
82
62
Union .....................................................................
Nonunion ...............................................................
16
21
84
79
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
57
39
21
17
15
13
43
61
79
83
85
87
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
13
24
12
87
76
88
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
22
21
16
28
14
13
78
79
84
72
86
87
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution
requirement, private industry workers, National
Compensation Survey, March 2009—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution
not required
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
15
8
8
7
7
18
14
32
25
26
12
25
51
54
55
85
92
92
93
93
82
86
68
75
74
88
75
49
46
45
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
29
30
25
15
17
14
71
70
75
85
83
86
9
48
7
6
8
7
4
13
91
52
93
94
92
93
96
87
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
7
2
66
22
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
1
4
–
4
4
3
17
1
1
1
2
2
1
1
1
6
63
58
66
84
88
66
67
65
58
32
39
29
7
8
27
26
28
16
3
1
3
3
–
3
2
3
2
24
13
18
20
16
8
5
6
7
4
59
58
65
62
70
7
22
10
10
10
2
3
1
1
–
Full time .................................................................
Part time ................................................................
8
3
3
1
65
78
22
16
2
3
Union .....................................................................
Nonunion ...............................................................
21
5
9
1
51
69
17
23
2
2
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
3
7
10
9
4
3
–
1
2
2
3
1
89
81
71
66
59
57
6
10
15
20
31
37
–
1
2
2
3
2
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
19
25
19
6
5
7
58
64
57
15
5
16
1
1
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
3
8
7
6
12
8
1
3
6
1
–
–
69
68
61
71
77
50
24
19
23
20
10
33
3
2
3
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
Flat dollar
amounts
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
1
1
1
1
–
–
–
–
1
2
2
1
5
6
–
–
(2)
(2)
–
–
–
(2)
–
–
1
–
–
1
–
–
–
37
49
45
36
55
75
77
78
88
76
81
71
75
89
91
86
56
49
54
62
44
21
21
21
8
14
16
25
14
–
–
–
7
(2)
(2)
–
–
–
–
–
–
7
–
–
8
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
7
9
7
9
5
1
2
1
3
2
4
74
73
76
62
66
58
16
17
13
25
21
29
1
1
2
3
2
4
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
5
4
14
11
8
–
7
6
2
1
1
5
3
3
4
–
–
2
68
82
55
65
62
79
53
59
58
24
13
24
19
26
9
33
28
31
1
1
2
3
2
–
–
–
6
1 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
2 Less than 0.5 percent.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Geographic areas
Table 24. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
89
13
24
26
26
26
11
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 ..................
87
87
88
95
94
88
86
89
87
13
13
12
13
12
13
13
13
13
24
21
24
26
12
21
21
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
13
13
12
5
6
12
14
11
13
94
82
90
89
92
13
13
13
13
13
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
18
10
11
8
Full time .................................................................
Part time ................................................................
88
93
13
13
24
26
26
26
26
26
26
26
12
7
Union .....................................................................
Nonunion ...............................................................
85
90
13
13
26
24
26
26
26
26
52
26
15
10
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
90
95
90
13
13
13
26
26
26
26
26
26
26
26
26
26
26
26
10
5
10
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
89
86
88
81
71
66
85
84
82
87
91
13
13
12
13
13
12
13
13
13
12
12
24
21
24
20
25
21
20
20
20
13
13
26
26
26
26
26
26
26
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
26
11
14
12
19
29
34
15
16
18
13
9
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance .................
93
94
96
93
12
12
12
13
22
16
20
24
26
26
26
26
26
26
26
26
26
26
26
26
7
6
4
7
91
94
12
13
24
24
26
26
26
26
26
26
9
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
92
92
92
87
88
87
13
13
13
13
13
13
25
25
22
24
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
8
8
8
13
12
13
91
94
85
86
91
82
83
86
13
25
13
12
12
13
12
13
24
26
20
13
16
21
13
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
9
6
15
14
9
18
17
14
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
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/glossary20082009.htm.
Table 25. Short-term disability plans: Fixed percent of earnings, private industry workers, National Compensation
Survey, March 2009
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
Greater
than 69
percent
50 percent
1
22
1
33
26
18
64.4
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
–
(1)
–
(1)
3
15
16
15
38
–
21
23
21
23
1
1
1
2
–
1
1
1
–
33
35
32
26
43
32
30
33
31
25
21
27
26
–
25
24
26
34
25
28
24
7
5
20
22
18
9
67.6
67.1
67.8
59.6
61.6
64.8
65.1
64.6
61.6
65.0
60.0
65.0
60.0
60.0
60.0
60.0
60.0
60.0
5
1
2
2
1
16
28
19
17
21
–
–
1
1
1
27
33
39
42
36
45
27
25
25
25
7
10
14
13
16
62.0
61.4
63.6
62.5
65.0
66.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
20
38
1
–
35
15
25
33
18
13
64.6
62.2
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
2
1
25
21
2
1
19
35
36
25
17
18
64.7
64.3
66.0
60.0
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
–
1
1
1
1
50
36
23
18
17
16
–
–
1
1
1
1
20
25
38
35
30
28
24
29
25
26
25
25
6
9
13
17
26
30
58.0
60.4
62.6
64.7
67.4
68.8
60.0
60.0
60.0
60.0
65.0
66.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
3
–
3
13
18
12
(1)
–
(1)
39
21
41
27
50
24
18
9
19
65.1
63.2
65.4
60.0
67.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
(1)
–
–
–
–
–
24
23
16
25
25
24
1
1
–
–
–
–
31
30
39
27
27
–
26
26
29
28
18
28
18
21
14
19
29
35
64.2
65.5
64.1
64.4
68.8
70.6
60.0
60.0
60.0
60.0
60.0
67.0
60 percent
61 to 69
percent
Median
fixed
percent of
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, private industry workers, National Compensation
Survey, March 2009—Continued
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
earnings
Less than
50 percent
50 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
–
22
15
12
16
8
–
15
12
22
23
17
19
25
49
52
54
–
2
3
2
–
–
–
–
–
2
2
–
2
–
–
–
26
31
28
27
34
39
38
40
33
30
17
22
33
28
24
–
30
21
23
26
20
–
27
26
37
29
19
6
31
–
–
–
22
31
34
28
35
–
19
22
–
14
45
51
8
3
3
7
65.0
68.8
70.3
69.5
69.6
62.9
65.8
67.4
61.6
62.9
74.5
76.2
60.6
56.9
56.6
57.5
66.0
66.0
66.0
66.0
66.0
60.0
60.0
60.0
60.0
60.0
67.0
70.0
60.0
58.0
50.0
50.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
1
–
–
1
2
1
25
26
25
19
15
23
1
1
–
1
–
2
30
29
32
35
38
31
31
32
28
23
25
20
12
11
15
21
20
23
62.6
62.6
62.6
65.6
65.3
65.9
60.0
60.0
60.0
60.0
60.0
60.0
–
–
1
–
2
–
–
–
–
14
40
9
9
10
–
7
10
13
–
1
–
–
–
–
1
–
7
44
9
44
47
55
48
50
47
26
14
43
21
17
12
4
20
13
32
27
7
25
26
21
–
22
29
22
65.8
61.5
66.1
66.7
65.9
60.2
66.9
67.8
66.9
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
65.0
60 percent
61 to 69
percent
Mean fixed
percent of
earnings
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2008." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dash
indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution
requirement, private industry workers, National
Compensation Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
9
91
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 ..................
8
8
8
8
4
9
12
9
11
92
92
92
92
96
91
88
91
89
7
13
10
11
9
93
87
90
89
91
Full time .................................................................
Part time ................................................................
9
7
91
93
Union .....................................................................
Nonunion ...............................................................
8
9
92
91
Wage percentiles:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
8
9
10
8
9
92
91
90
92
91
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
11
7
11
89
93
89
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
9
12
11
16
6
24
91
88
89
84
94
76
Establishment characteristics
See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution
requirement, private industry workers, National
Compensation Survey, March 2009—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
Employee
contribution
not required
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
8
9
9
11
6
7
8
9
9
11
9
4
92
91
91
89
94
93
92
91
91
89
91
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 ..........................................
8
10
5
9
9
10
92
90
95
91
91
90
8
8
9
6
9
8
10
10
92
92
91
94
91
92
90
90
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 The percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
93
5
1
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 ..................
94
92
95
96
87
94
94
94
90
5
7
5
3
–
5
6
5
6
(1)
1
(1)
–
–
(1)
–
1
3
(1)
(1)
–
–
–
(1)
–
(1)
2
86
92
87
84
90
–
4
4
5
4
3
2
5
7
2
–
2
4
3
4
Full time .................................................................
Part time ................................................................
93
92
5
7
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
78
95
7
5
9
(1)
6
(1)
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
97
96
95
93
91
92
–
3
4
5
6
7
–
–
1
1
2
(1)
–
–
(1)
1
1
1
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
88
90
89
5
8
4
5
–
5
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
94
90
92
87
96
78
5
7
2
11
2
21
(1)
1
2
1
–
–
1
2
4
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2009—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
Fixed
percent of
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
92
91
90
90
88
98
96
97
94
96
94
92
97
100
99
92
8
8
9
9
10
–
4
3
–
4
–
–
3
–
–
–
–
(1)
(1)
1
(1)
–
–
–
–
–
(1)
(1)
–
–
–
–
–
1
1
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
95
95
96
92
93
91
4
4
3
6
6
6
1
1
1
1
1
2
(1)
–
–
1
1
1
95
97
88
91
95
94
92
94
92
4
2
7
6
4
5
7
5
5
–
1
3
2
(1)
–
–
–
1
–
–
2
–
(1)
–
1
–
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 percent.
2 The percentile groupings
are based on the
average wage for each occupation surveyed, which may
include workers both above and below the threshold.
The percentile values are based on the estimates
published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, private industry workers, National
Compensation Survey, March 2009
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
22
62
9
5
1
58.7
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
22
19
23
44
–
17
19
17
24
61
63
61
46
52
63
63
64
67
10
11
9
5
–
12
11
12
3
6
6
6
4
–
6
6
6
5
1
2
1
–
–
1
1
2
1
58.7
59.1
58.5
56.2
58.1
59.5
59.1
59.6
58.1
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
26
17
16
18
74
64
69
67
72
–
4
7
10
3
5
5
4
–
4
–
1
2
–
2
58.2
58.0
59.1
59.2
58.9
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
22
22
62
60
9
11
5
4
1
2
58.7
59.3
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
31
21
55
63
4
10
6
5
4
1
58.1
58.8
60.0
60.0
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
67
–
21
20
22
22
–
56
64
63
62
58
–
7
8
10
10
12
–
5
6
6
5
6
–
–
1
2
1
2
53.0
58.2
58.6
59.1
58.6
58.8
50.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
18
–
18
67
82
65
9
–
11
5
6
5
1
–
2
59.0
59.5
59.0
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
23
20
15
11
23
18
61
65
69
75
64
68
9
7
10
8
–
8
6
5
5
5
6
4
1
3
1
2
–
3
58.7
59.2
58.9
60.2
60.1
59.1
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Fixed percent of earnings, private industry workers, National
Compensation Survey, March 2009—Continued
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
61 to 66
percent
Mean fixed
percent of
earnings
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
16
15
13
19
24
18
12
–
27
8
8
32
18
58
57
54
61
68
60
60
56
63
74
74
60
75
17
19
22
14
–
15
17
–
4
7
8
4
3
6
7
9
4
–
8
10
6
5
8
8
4
–
2
2
2
2
–
–
–
–
1
3
2
–
–
60.1
60.4
60.9
59.7
58.5
59.2
60.1
58.0
57.6
60.7
60.2
56.8
58.5
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
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
16
16
15
25
15
33
66
65
68
60
67
55
10
11
8
9
10
7
7
6
7
5
7
3
1
1
2
1
1
2
59.7
59.6
59.7
58.2
59.5
57.3
60.0
60.0
60.0
60.0
60.0
60.0
19
18
20
14
21
–
19
21
26
61
67
67
68
65
–
63
65
49
7
9
6
9
9
3
8
13
16
11
4
5
7
4
–
8
1
6
1
2
2
1
1
–
2
–
3
59.0
59.2
58.9
59.5
58.5
55.8
58.7
58.3
59.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2009
(All workers participating in fixed percent of earnings long-term disabilty plans = 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
80
$3,000
$5,000
$8,000
$10,000
$15,000
20
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 ..................
81
81
81
83
83
86
82
80
4,166
5,000
4,000
3,000
3,000
2,800
3,000
2,917
5,000
6,000
5,000
5,000
5,000
5,000
5,000
4,000
10,000
10,000
8,000
8,000
8,000
7,000
8,500
5,000
12,000
12,500
10,500
10,000
10,000
10,000
10,000
10,000
15,000
18,500
15,000
15,000
15,000
16,667
15,000
15,000
19
19
19
17
17
14
18
20
82
79
74
78
68
2,000
3,000
2,500
2,917
2,500
4,000
4,000
5,000
5,000
5,000
6,000
5,000
6,000
7,500
5,400
8,500
10,000
10,000
10,000
10,000
15,000
15,000
13,000
15,000
10,000
18
21
26
22
32
Full time .................................................................
Part time ................................................................
81
69
3,333
3,000
5,000
5,000
8,000
6,000
10,000
10,000
15,000
15,000
19
31
Union .....................................................................
Nonunion ...............................................................
66
82
2,118
3,399
4,000
5,000
5,000
8,000
10,000
10,000
15,000
15,000
34
18
Goods-producing industries ...................................
Manufacturing ....................................................
81
79
2,500
2,917
5,000
5,000
7,500
8,000
10,000
11,000
15,000
15,000
19
21
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
80
73
76
87
57
69
82
82
82
83
75
82
4,000
2,800
3,000
2,000
3,000
3,100
3,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
3,333
5,000
5,000
4,000
7,500
8,000
8,000
6,000
6,000
8,000
5,400
7,292
5,000
5,000
10,000
6,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
6,000
8,000
15,000
10,000
15,000
20,000
20,000
15,000
12,500
15,000
15,000
15,000
10,000
10,000
15,000
15,000
25,000
25,000
25,000
20,000
15,000
20
27
24
13
43
31
18
18
18
17
25
18
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2009—Continued
(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
88
85
82
84
87
82
66
$5,000
3,000
3,000
4,000
4,000
3,000
3,000
$6,000
6,000
5,000
5,000
5,000
5,000
4,000
$10,000
10,000
6,000
6,000
7,500
6,000
5,000
$10,000
15,000
10,000
10,000
10,000
10,000
10,000
$15,000
17,300
15,000
14,000
15,000
15,000
10,000
12
15
18
16
13
18
34
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
82
82
83
80
84
76
3,000
3,000
3,000
4,000
3,500
4,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
6,000
6,000
10,000
7,500
10,000
10,000
10,000
10,000
12,000
10,000
15,000
15,000
15,000
10,000
15,000
15,000
17,300
18
18
17
20
16
24
82
80
74
85
83
76
81
81
3,100
3,000
3,000
4,000
3,000
3,000
5,000
4,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,500
6,500
8,000
7,500
8,500
7,500
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
12,500
15,000
15,000
15,000
15,000
15,000
15,000
15,000
17,300
18
20
26
15
17
24
19
19
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within
each published series. For example, at the 50th percentile or median, half of
the participating workers receive the same as or more than the benefit shown,
and half receive the same as or less than the benefit shown. At the 25th
percentile, one-fourth of the participating workers receive the same or less
than the benefit shown. The remaining percentiles follow the same logic.
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/glossary20082009.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2009
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
80
78
97
23
23
97
35
34
96
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
80
80
79
78
77
77
97
97
97
22
20
18
21
19
17
96
96
95
38
37
37
36
36
36
96
96
96
83
83
75
85
81
81
90
77
81
81
73
83
79
79
89
76
98
97
97
98
97
98
99
98
15
20
23
23
26
26
30
22
14
18
22
22
25
26
29
22
93
92
97
98
98
98
97
99
39
48
28
27
35
35
41
29
38
47
26
26
34
34
40
27
97
97
95
94
97
97
98
96
Full time .................................................................
Part time ................................................................
90
24
88
22
98
95
25
11
25
11
97
99
39
13
38
12
96
96
Union .....................................................................
Nonunion ...............................................................
87
74
85
71
98
97
28
19
27
19
96
97
34
36
33
34
97
96
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
43
61
84
86
89
90
41
59
81
84
87
87
95
97
97
98
98
97
12
18
27
25
24
28
12
17
26
24
23
28
97
97
97
97
97
99
18
27
33
41
40
38
18
26
32
40
38
37
98
96
96
97
96
98
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
80
79
79
78
82
83
89
82
77
77
77
76
77
80
86
80
97
97
97
98
94
97
96
98
23
20
19
18
21
28
27
28
22
19
18
17
20
26
24
27
97
95
95
95
97
93
91
99
35
37
36
35
37
44
49
31
34
35
34
34
35
43
48
30
96
96
96
97
93
98
98
95
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
65
62
69
82
73
85
63
61
66
80
71
83
97
98
96
97
98
97
20
22
17
24
17
26
20
22
17
23
17
25
99
99
100
97
97
97
34
27
44
35
35
35
33
27
42
34
34
34
97
99
95
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 2009—Continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Short-term disabilty
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
86
78
82
76
95
98
28
22
27
21
98
97
35
35
33
34
94
97
72
85
78
77
84
79
76
83
77
69
84
75
77
81
74
75
82
76
96
99
96
99
96
93
99
98
99
10
40
23
11
27
–
10
21
34
10
39
23
11
24
–
10
21
34
100
100
98
98
90
–
99
100
100
17
17
51
55
44
20
17
62
31
16
17
50
55
41
20
16
59
31
96
98
97
99
93
96
94
95
99
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical Note for more details.
NOTE: Dash indicates no workers in this category or data did not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution not
required
Employee
contribution
required
89
11
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 ...
89
89
90
11
11
10
90
88
89
90
90
92
93
10
12
11
10
10
8
7
Full time .................................................................
Part time ................................................................
89
92
11
8
Union .....................................................................
Nonunion ...............................................................
92
87
8
13
Wage percentiles:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
88
89
90
90
87
12
11
10
10
13
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
89
89
90
91
87
89
89
11
11
10
9
13
11
11
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
91
91
91
89
89
89
9
9
9
11
11
11
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 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Employee
contribution not
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
required
83
92
17
8
70
93
86
95
88
94
94
99
30
7
14
5
12
6
6
1
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of
major plans, key provisions, and related terms,
see the "Glossary of Employee Benefit Terms"
at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2009
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
earnings
Variable
multiple of
earnings
Flat dollar
amount
Variable
dollar
amount
Other
38
2
52
6
2
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
37
36
32
2
2
1
55
56
60
5
5
5
2
1
1
30
53
39
38
40
40
42
35
1
–
2
3
2
2
2
2
63
42
50
49
50
50
49
50
5
–
6
7
7
6
6
–
1
–
2
3
2
2
–
–
Full time .................................................................
Part time ................................................................
38
33
2
2
52
61
6
3
2
2
Union .....................................................................
Nonunion ...............................................................
32
45
1
2
58
47
8
4
1
3
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
46
40
41
41
33
35
–
1
2
2
2
2
51
53
48
47
59
58
2
5
6
8
5
4
1
2
3
2
1
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
38
37
34
30
49
54
55
39
2
1
1
1
3
–
–
3
53
56
58
63
39
42
42
49
6
5
5
5
6
3
–
7
2
1
1
1
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 ..........................................
36
33
40
38
41
37
1
–
–
2
1
2
56
54
58
52
55
51
3
6
–
6
2
7
4
7
–
2
–
2
Worker characteristics
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 2009—Continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
earnings
State government ..................................................
Local government ..................................................
Variable
multiple of
earnings
Flat dollar
amount
Variable
dollar
amount
Other
47
35
2
2
42
56
5
6
4
1
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
20
37
44
44
59
55
23
33
14
–
1
–
–
2
–
–
–
3
68
48
51
48
25
–
74
62
79
–
13
4
7
7
–
–
–
3
–
–
–
–
7
–
–
–
–
1 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Geographic areas
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2009
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of earnings amounts1
Characteristics
All workers .............................................................
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
46
24
25
6
1.5
1.5
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
42
43
42
–
–
24
26
26
30
–
–
5
1.5
1.5
1.5
1.5
1.5
1.5
43
49
51
53
47
47
56
41
25
19
19
–
26
27
19
–
29
–
23
21
–
–
19
28
2
–
7
–
–
–
5
–
1.5
1.5
1.5
1.5
1.4
1.4
1.4
1.5
1.5
–
–
–
1.5
1.5
1.0
1.5
Full time .................................................................
Part time ................................................................
46
47
24
23
25
–
5
–
1.5
1.5
1.5
1.5
Union .....................................................................
Nonunion ...............................................................
56
39
28
–
10
35
6
–
1.4
1.6
1.0
1.5
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
35
46
47
51
39
35
27
24
25
20
27
26
–
28
–
–
24
–
–
2
–
–
9
–
1.6
1.5
1.4
1.4
1.6
1.6
1.5
1.5
1.5
–
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
46
43
40
40
40
56
63
53
24
–
–
25
–
19
13
24
25
29
33
32
34
–
–
17
6
–
–
2
–
–
–
6
1.5
1.5
1.5
1.5
1.6
1.5
1.5
1.4
1.5
1.5
1.5
1.5
–
–
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 ..........................................
47
39
57
46
43
46
35
33
36
23
26
–
15
–
6
26
23
27
4
–
–
6
9
–
1.4
1.5
1.3
1.5
1.5
1.5
–
1.5
1.0
1.5
1.5
1.5
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2009—Continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Multiple of earnings amounts1
Characteristics
State government ..................................................
Local government ..................................................
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
earnings
Greater
than 2.0
times
earnings
Median
multiple of
earnings
41
48
25
23
–
25
–
4
1.6
1.4
1.5
1.5
49
28
65
34
45
–
43
64
69
32
50
11
–
–
–
32
–
–
–
8
–
15
33
58
–
–
–
–
14
–
–
–
–
–
–
2
1.5
1.6
1.3
1.6
1.5
1.6
1.4
1.3
1.2
–
1.5
1.0
1.5
1.5
2.0
1.5
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. Includes multiple
of earnings not shown separately.
2 The percentile groupings are based on the average wage for
each occupation surveyed, which may include workers both above and
below the threshold. The percentile values are based on the estimates
published in the "National Compensation Survey: Occupational
Earnings in the United States, 2008." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may not equal
totals. Dash indicates no workers in this category or data did not meet
publication criteria. For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2009
(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 ........................................
Registered nurses .........................................
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
45,000
45,000
50,000
50,000
50,000
50,000
10,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
15,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
30,000
31,217
30,000
30,000
30,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
5,000
10,000
15,000
20,000
25,000
40,000
50,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
5,000
10,000
10,000
25,000
15,000
50,000
25,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
6,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
5,000
10,000
10,000
10,000
20,000
20,000
20,000
20,000
10,000
20,000
15,000
20,000
40,000
40,000
45,000
50,000
30,000
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
5,000
5,000
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
15,000
20,000
20,000
20,000
25,000
25,000
25,000
40,000
40,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
State government ..................................................
Local government ..................................................
5,000
5,000
5,000
10,000
15,000
20,000
25,000
40,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2009—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
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes participants in plans providing a fixed benefit
amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate
position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the
same as or more than the amount shown, and half receive the
same as or less than the amount shown. At the 25th percentile,
$5,000
5,000
15,000
10,000
5,000
5,000
10,000
5,000
$5,000
6,000
20,000
12,500
10,000
5,000
15,000
10,000
$5,000
40,000
30,000
20,000
10,000
10,000
20,000
20,000
$20,000
50,000
50,000
40,000
25,000
20,000
40,000
49,000
$50,000
50,000
50,000
50,000
30,000
25,000
50,000
50,000
one-fourth of participating workers receive the same or less
than the amount shown. The remaining percentiles follow the
same logic.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 21. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
53
21
8
19
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
54
51
50
19
17
18
9
10
10
19
22
22
55
50
53
60
52
51
50
47
25
26
21
24
21
22
24
33
–
–
7
–
6
6
–
–
–
–
19
–
21
20
–
–
Full time .................................................................
Part time ................................................................
53
51
22
7
7
17
19
25
Union .....................................................................
Nonunion ...............................................................
48
59
18
24
12
3
23
15
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
41
48
59
51
53
49
28
25
18
23
18
13
4
4
5
8
12
15
26
24
18
19
17
23
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
53
53
49
42
70
68
65
53
21
18
19
22
–
–
–
23
7
8
8
6
16
8
–
8
19
21
24
31
–
–
14
16
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
49
60
–
53
46
55
38
–
46
18
29
16
–
–
–
9
10
8
–
6
–
20
16
21
Establishment characteristics
See footnotes at end of table.
Table 21. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2009—Continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
State government ..................................................
Local government ..................................................
Commercially
insured
Legally
required
Other
82
40
6
27
12
6
–
27
37
25
48
–
66
61
37
77
35
10
20
43
17
36
62
14
–
25
–
–
–
–
–
–
–
40
33
–
–
–
–
–
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 The percentile groupings are based on the average
wage for each occupation surveyed, which may include
workers both above and below the threshold. The
percentile values are based on the estimates published in
the "National Compensation Survey: Occupational Earnings
in the United States, 2008." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 22. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
12
88
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
11
11
8
89
89
92
9
15
16
14
14
13
91
85
84
86
86
87
Full time .................................................................
Part time ................................................................
12
10
88
90
Union .....................................................................
Nonunion ...............................................................
15
9
85
91
Wage percentiles:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
10
12
11
15
15
90
88
89
85
85
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
12
11
8
9
4
27
30
15
88
89
92
91
96
73
70
85
1 to 99 workers ......................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
8
13
17
12
92
87
83
88
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009—Continued
(All workers with short-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
not required
13
12
87
88
–
30
18
–
13
5
100
70
82
100
87
95
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. Dash
indicates no workers in this category or
data did not meet publication criteria. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 23. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
2
1
86
9
2
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
1
2
3
1
1
–
87
86
85
8
8
8
3
3
3
–
–
2
–
1
2
–
–
–
–
–
–
–
–
–
–
82
94
86
83
85
84
85
78
8
–
9
–
10
11
11
–
4
–
2
–
3
3
–
–
Full time .................................................................
Part time ................................................................
2
3
1
–
86
81
9
11
2
–
Union .....................................................................
Nonunion ...............................................................
3
1
1
–
82
89
10
8
3
1
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
–
2
3
2
1
–
–
–
–
–
1
2
90
89
83
87
85
83
–
5
13
8
9
11
–
3
2
2
3
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
2
2
2
2
–
–
–
2
1
1
1
1
–
–
–
–
86
86
86
86
86
84
92
86
9
8
7
5
12
11
7
10
2
4
4
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 ..........................................
–
–
–
2
–
2
–
–
–
1
–
–
89
85
97
85
84
85
–
–
–
10
12
9
–
–
–
2
–
3
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Characteristics
Flat dollar
amounts
State government ..................................................
Local government ..................................................
Dollar
amount
varies
Fixed
percent of
earnings
Percent
varies by
earnings
Other
–
3
–
1
82
87
17
6
–
4
–
3
3
–
–
–
–
–
2
–
–
–
–
–
–
–
–
2
88
90
77
85
87
84
88
94
83
–
1
17
–
13
–
–
–
9
–
5
–
–
–
–
–
–
3
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 24. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2009
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
85
18
24
26
26
52
15
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
85
86
20
20
20
24
25
25
26
26
26
26
26
52
52
52
52
13
15
14
84
86
89
82
82
85
72
20
18
12
13
12
20
20
22
25
25
24
25
26
22
26
26
26
26
26
26
26
52
26
26
26
26
52
26
52
52
52
52
52
52
52
16
14
11
18
18
15
28
Full time .................................................................
Part time ................................................................
85
82
15
21
24
26
26
26
26
26
52
26
15
18
Union .....................................................................
Nonunion ...............................................................
81
90
20
13
26
22
26
26
26
52
52
52
19
10
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Public administration .........................................
85
84
82
79
89
94
88
18
20
21
20
25
13
12
24
24
24
22
26
20
24
26
26
26
26
26
26
26
26
26
52
52
26
26
26
52
52
52
52
52
26
52
15
16
18
21
11
6
12
1 to 99 workers:
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
97
85
84
85
21
18
12
20
26
24
20
25
26
26
26
26
52
26
26
26
52
52
52
52
3
15
16
15
State government ..................................................
Local government ..................................................
95
81
20
15
25
24
26
26
26
26
52
52
5
19
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2009—Continued
(All workers with short-term disabilty coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
87
54
97
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
26
13
22
26
20
25
26
26
48
26
52
52
26
52
52
13
46
3
than the benefit shown. The remaining percentiles follow the same logic.
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/glossary20082009.htm.
Table 25. Short-term disability plans: Fixed percent of earnings, State and local government workers,
National Compensation Survey, March 2009
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
50 percent
All workers .............................................................
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
earnings
Median
fixed
percent of
earnings
31
7
29
20
13
61.2
60.0
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
31
30
33
9
10
7
25
21
16
19
21
22
15
18
22
61.6
62.6
64.2
60.0
60.0
60.0
43
24
32
34
25
25
33
38
5
–
4
–
8
8
–
–
17
30
32
37
36
36
31
29
9
–
23
17
23
22
–
17
25
–
9
12
8
9
–
–
62.6
59.0
60.6
60.5
60.7
60.7
62.3
59.6
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
30
46
6
19
31
–
20
23
13
–
61.5
57.8
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
18
45
8
6
32
25
31
9
11
15
62.4
59.9
60.0
58.0
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
43
39
28
35
24
22
7
5
7
6
10
11
22
28
35
31
23
15
–
16
20
18
26
32
–
12
10
10
17
21
59.7
60.0
61.0
59.7
63.4
64.8
58.0
60.0
60.0
60.0
60.0
67.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
30
34
37
44
21
14
–
26
7
11
11
5
31
–
–
3
29
20
15
14
15
47
45
36
20
18
16
19
–
25
22
26
13
17
20
18
–
–
–
8
61.3
62.1
62.5
61.2
66.3
60.0
59.2
60.7
60.0
60.0
60.0
60.0
58.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
41
49
–
30
30
30
–
–
–
8
–
9
40
39
43
27
40
24
–
–
25
21
17
22
2
–
5
14
–
15
57.2
55.9
59.5
61.8
60.6
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Fixed percent of earnings, State and local government workers,
National Compensation Survey, March 2009—Continued
(All workers with fixed percent of earnings short-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
50 percent
State government ..................................................
Local government ..................................................
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
earnings
Median
fixed
percent of
earnings
19
36
16
4
42
23
–
24
–
13
62.1
60.8
60.0
60.0
–
16
48
–
63
–
–
20
–
3
–
–
–
–
–
28
–
17
30
–
20
55
50
44
19
60
–
–
3
–
–
–
67
4
11
–
14
–
31
–
80.4
63.1
58.8
64.2
57.9
61.5
67.6
57.5
–
67.0
60.0
66.0
50.0
60.0
60.0
60.0
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 26. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution
not required
18
82
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
19
19
21
81
81
79
22
15
19
18
15
16
78
85
81
82
85
84
Full time .................................................................
Part time ................................................................
18
21
82
79
Union .....................................................................
Nonunion ...............................................................
19
17
81
83
Wage percentiles:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
19
16
16
20
22
81
84
84
80
78
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Public administration .........................................
18
19
21
22
17
12
17
82
81
79
78
83
88
83
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
15
19
82
85
81
Establishment characteristics
See footnotes at end of table.
Table 26. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009—Continued
(All workers with long-term disability coverage = 100 percent)
Employee
contribution
required
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
not required
19
18
81
82
7
36
9
6
51
93
64
91
94
49
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
Mountain ................................................................
1 The percentile groupings are based
on the average wage for each occupation
surveyed, which may include workers both
above and below the threshold. The
percentile values are based on the
estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of
individual items may not equal totals. For
definitions of major plans, key provisions,
and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 27. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2009
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
93
6
1
1
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
93
93
95
–
–
–
1
1
–
–
–
–
96
93
92
93
92
91
96
94
–
–
7
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
93
92
6
5
(1)
–
1
–
Union .....................................................................
Nonunion ...............................................................
93
93
–
7
1
–
–
–
Wage percentiles:2
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
97
93
90
94
95
94
–
7
–
6
–
–
–
–
–
–
1
–
–
–
–
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
93
92
93
96
84
88
86
93
6
–
–
1
–
–
–
7
1
1
1
–
–
–
–
–
1
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
93
91
95
93
97
92
7
–
–
–
2
–
–
–
–
1
–
–
–
–
–
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 27. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March
2009—Continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Fixed
percent of
earnings
Pecent
varies by
earnings
Flat dollar
amounts
Other
82
97
–
2
–
1
–
1
98
93
87
86
98
87
98
99
95
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
2 The percentile groupings
are based on the
average wage for each occupation surveyed, which may
include workers both above and below the threshold.
The percentile values are based on the estimates
published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items
may not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 28. Long-term disability plans: Fixed percent of earnings, State and local government workers,
National Compensation Survey, March 2009
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
earnings
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
19
41
23
12
5
60.7
60.0
67 percent
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
17
18
17
37
36
32
27
28
29
12
12
13
6
7
10
61.0
61.1
61.7
60.0
60.0
62.0
18
25
24
23
19
20
19
22
29
52
44
46
48
47
46
46
29
16
18
18
18
18
22
14
14
–
11
–
13
14
–
–
10
–
4
–
2
2
–
–
61.8
57.9
60.1
60.1
60.2
60.1
60.0
60.4
62.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
18
37
42
25
24
15
12
–
4
–
60.8
59.1
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
23
16
38
43
16
29
15
10
8
2
61.0
60.4
60.0
60.0
Wage percentiles:1
Lowest 10 percent .............................................
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ............................................
22
19
20
17
20
24
46
41
42
42
40
41
19
25
22
26
21
19
–
12
12
12
12
12
–
3
4
3
7
4
59.7
60.5
60.5
61.0
60.6
59.3
60.0
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
19
19
18
19
13
24
30
21
41
38
33
29
49
63
57
46
23
25
28
29
24
–
–
21
12
12
14
15
–
–
–
10
5
6
7
8
–
–
–
–
60.7
60.9
61.6
61.7
61.1
57.1
56.3
59.9
60.0
60.0
60.0
62.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
14
–
–
20
23
18
45
40
51
40
39
41
22
28
–
24
15
27
13
14
–
12
16
11
6
–
6
4
7
3
61.8
62.3
61.4
60.5
60.7
60.4
60.0
60.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Fixed percent of earnings, State and local government workers,
National Compensation Survey, March 2009—Continued
(All workers with a fixed percent of earnings long-term disability coverage = 100 percent)
Fixed percent of earnings
Characteristics
State government ..................................................
Local government ..................................................
61 to 66
percent
Mean fixed
percent of
earnings
Greater
than 67
percent
Median
fixed
percent of
earnings
Less than
60 percent
60 percent
12
21
50
38
28
22
9
13
–
5
60.9
60.6
60.0
60.0
–
11
49
–
8
–
–
–
19
46
53
21
48
38
63
77
38
42
–
–
7
–
52
13
–
23
27
–
23
11
–
2
–
–
35
12
–
–
12
–
–
–
–
–
–
65.6
61.8
57.7
61.6
61.3
58.6
58.9
63.5
60.8
66.0
60.0
60.0
60.0
62.0
60.0
60.0
66.0
60.0
67 percent
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2008." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 29. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2009
(All workers participating in fixed percent of earnings long-term disabilty plans = 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
65
$2,000
$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 ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
67
67
66
1,500
1,500
1,500
3,900
3,900
3,900
5,000
5,000
5,000
6,000
6,000
6,500
9,000
8,750
10,000
33
33
34
63
76
61
61
62
63
66
66
1,500
2,000
2,000
2,000
1,500
1,500
1,500
3,000
3,333
4,500
3,900
3,000
3,000
3,000
3,900
3,000
4,500
5,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
7,500
7,500
6,000
6,000
6,000
6,500
8,000
8,500
10,000
10,000
8,000
8,000
7,500
10,000
37
24
39
39
38
37
34
34
Full time .................................................................
Part time ................................................................
66
54
1,500
2,500
3,900
4,500
5,000
5,000
6,000
7,000
9,000
10,000
34
46
Union .....................................................................
Nonunion ...............................................................
61
69
2,000
1,000
3,000
3,900
5,000
5,000
6,667
6,000
10,000
8,000
39
31
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
65
67
66
63
76
70
79
60
1,800
1,500
1,500
1,500
2,500
3,000
3,000
2,000
3,900
3,900
3,900
3,000
3,900
4,500
4,500
3,000
5,000
5,000
5,000
4,500
5,500
5,000
5,000
5,000
6,000
6,000
6,000
6,000
7,500
7,000
7,000
6,000
9,000
8,500
9,100
8,000
10,000
8,000
8,000
9,000
35
33
34
37
24
30
21
40
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
65
72
58
65
61
67
3,000
3,000
3,000
1,500
3,000
1,500
3,750
3,900
3,500
3,900
4,000
3,500
4,000
3,900
4,500
5,000
5,000
5,000
5,000
5,000
5,000
6,500
6,000
7,000
7,000
7,000
6,000
10,000
9,000
10,000
35
28
42
35
39
33
State government ..................................................
Local government ..................................................
65
65
800
2,000
3,900
3,900
5,000
5,000
6,000
6,000
8,000
9,000
35
35
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2009—Continued
(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
Mountain ................................................................
Pacific ....................................................................
77
45
60
83
45
60
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.
$1,500
3,000
3,000
800
2,500
3,000
$3,750
4,000
4,000
3,000
5,000
4,500
$5,000
5,000
5,000
3,900
5,500
5,000
$6,500
7,500
5,000
5,000
7,500
8,000
$8,000
10,000
6,000
8,000
10,000
10,000
23
55
40
17
55
40
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/glossary20082009.htm.