Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2015
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
60
59
97
38
37
98
34
33
96
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 ..................
78
85
75
72
77
84
74
71
99
99
98
98
46
61
39
23
45
60
39
22
99
98
99
98
53
61
49
40
51
59
48
39
97
97
97
96
82
77
35
71
58
45
65
60
81
76
33
68
56
43
64
58
98
99
95
96
98
96
98
97
21
38
21
26
37
29
42
38
20
38
20
25
36
27
41
38
98
99
96
97
97
94
98
99
41
51
13
22
33
21
41
28
40
49
13
21
32
19
39
27
97
96
97
98
96
94
97
97
53
66
66
72
60
52
64
63
70
57
98
97
96
97
95
32
44
46
53
40
32
43
44
52
37
100
99
96
98
94
20
35
31
35
28
19
34
30
33
26
97
97
94
96
93
Full time .................................................................
Part time ................................................................
75
14
74
12
98
89
45
14
44
13
98
93
44
5
42
5
96
96
Union .....................................................................
Nonunion ...............................................................
86
56
84
55
98
97
49
36
47
35
96
98
36
34
35
33
96
97
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
25
13
63
76
85
89
23
11
62
74
85
88
92
89
98
98
99
99
17
13
37
47
54
59
16
12
36
46
53
58
94
94
97
98
99
99
8
3
32
45
57
61
8
3
31
43
55
60
95
91
96
96
97
98
Goods-producing industries ...................................
71
70
98
53
53
99
38
37
97
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 .........................................
58
69
76
76
84
64
88
83
57
67
74
74
81
63
87
81
97
98
98
98
97
98
99
98
35
30
26
23
30
33
45
26
34
30
25
23
29
33
45
25
97
99
98
98
97
99
99
97
34
41
42
37
55
41
60
30
32
40
40
35
52
39
58
29
96
97
95
97
94
97
96
95
Worker characteristics
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 2015—continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
41
36
56
78
71
85
40
35
53
76
69
84
97
97
95
98
98
98
28
26
35
46
44
49
28
26
34
45
42
48
97
97
97
98
97
98
23
20
31
44
38
51
22
20
30
43
37
49
96
96
97
97
97
96
60
59
60
63
62
64
64
63
63
62
54
57
52
59
57
60
61
60
62
61
61
61
61
52
56
51
99
98
99
97
98
97
96
97
97
98
98
97
98
61
39
69
33
36
31
28
38
40
33
25
30
23
60
37
68
32
35
29
28
36
39
32
24
29
23
99
97
99
97
96
96
98
97
97
98
97
97
98
34
34
34
34
36
34
31
38
37
39
30
36
28
33
34
33
33
34
33
30
37
36
38
29
34
27
97
98
97
96
96
95
97
97
96
97
96
94
98
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note for further
explanation.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using wage data for March 2015.
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2015
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
5
95
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
5
4
5
9
95
96
95
91
9
3
9
9
5
8
4
6
91
97
91
91
95
92
96
94
5
6
4
5
4
95
94
96
95
96
Full time .................................................................
Part time ................................................................
5
5
95
95
Union .....................................................................
Nonunion ...............................................................
5
6
95
94
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
8
7
6
5
5
5
92
93
94
95
95
95
Goods-producing industries ...................................
5
95
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
6
5
9
9
2
2
10
94
95
91
91
98
98
90
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Employee
contribution
required
Employee
contribution not
required
7
8
5
5
5
5
93
92
95
95
95
95
5
10
3
6
5
12
5
5
6
4
4
7
3
95
90
97
94
95
88
95
95
94
96
96
93
97
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and
workers in the public sector, except the federal government. See Technical Note for further
explanation.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2015
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
57
2
37
3
1
64
72
61
40
2
1
2
1
31
24
34
53
2
2
2
4
1
1
1
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
34
74
49
38
61
59
62
40
1
–
1
3
2
2
2
1
58
23
46
53
34
35
34
55
4
1
3
4
2
3
2
4
3
–
1
1
1
1
(2)
(2)
26
49
49
49
50
–
1
1
1
–
68
46
44
45
44
4
4
5
5
4
–
(2)
(2)
(2)
–
Full time .................................................................
Part time ................................................................
58
52
2
–
37
41
3
5
1
–
Union .....................................................................
Nonunion ...............................................................
37
63
1
2
52
34
9
1
1
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
51
44
52
57
64
68
1
–
1
1
2
3
46
52
43
37
31
27
2
3
3
3
3
2
(2)
–
1
1
1
(2)
Goods-producing industries ...................................
50
2
44
4
(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 .........................................
59
56
43
34
60
66
77
36
2
1
1
1
2
–
–
3
36
39
50
59
34
31
19
52
3
3
4
4
3
2
2
7
1
1
2
3
1
–
–
2
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
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
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
49
48
51
61
61
62
(2)
1
(2)
2
2
2
48
49
47
32
34
31
2
2
2
3
3
4
1
1
(2)
1
(2)
1
62
65
61
58
62
57
53
55
53
57
54
57
53
–
2
–
2
2
–
1
1
2
1
2
1
–
32
31
32
37
32
38
44
40
41
37
41
41
42
4
3
5
2
2
2
2
4
3
5
3
–
3
–
–
–
1
2
–
(2)
(2)
(2)
(2)
(2)
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except
the federal government. See Technical Note for further explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2015
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
(3)
61
11
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 ..................
(3)
1
–
–
58
56
59
51
11
9
12
21
26
28
24
25
5
6
–
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
–
–
–
1
–
(3)
–
(3)
1
51
77
65
58
64
72
61
62
24
9
11
16
10
8
10
12
24
13
21
19
22
18
24
23
1
–
3
8
3
–
4
2
1.4
1.2
1.3
1.5
1.3
1.3
1.4
1.3
–
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
(3)
–
–
60
62
61
58
65
15
11
14
12
16
22
23
22
26
17
2
2
2
–
–
1.3
1.3
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
(3)
–
60
76
11
6
24
15
4
–
1.4
1.2
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
(3)
64
61
15
10
15
25
5
4
1.3
1.4
1.0
1.0
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
(3)
(3)
1
68
62
65
58
59
57
8
–
12
12
10
10
21
25
20
25
26
27
–
–
2
4
5
6
1.3
1.4
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
–
54
10
31
–
1.4
1.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
1
–
–
–
–
–
1
–
62
63
48
47
48
70
74
56
11
12
19
24
13
9
10
19
22
22
29
28
31
18
14
18
4
–
–
2
–
–
1
–
1.3
1.3
1.4
1.4
1.5
1.3
1.2
1.4
1.0
1.0
–
1.5
–
1.0
1.0
1.0
All workers .............................................................
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2015—continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
(3)
–
–
(3)
(3)
1
60
62
56
62
63
60
11
9
15
11
9
13
25
24
27
23
23
24
4
–
–
4
4
3
1.4
1.4
1.4
1.4
1.4
1.3
1.0
1.0
1.0
1.0
1.0
1.0
–
–
–
(3)
–
–
–
–
–
–
–
–
–
57
63
55
62
64
59
60
58
60
55
67
72
64
16
15
16
8
8
9
8
12
12
13
9
14
6
22
20
23
25
23
28
28
25
24
28
20
12
25
–
–
–
3
–
–
–
–
–
–
–
–
–
1.4
1.3
1.4
1.4
1.3
1.4
1.4
1.4
1.4
1.4
1.3
1.2
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.
3 Less than 0.5.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
75
$50,000
$70,000
$200,000
25
76
78
75
64
50,000
50,000
50,000
50,000
100,000
100,000
100,000
50,000
300,000
300,000
300,000
100,000
750,000
750,000
600,000
–
–
–
1,000,000
500,000
24
22
25
36
55
79
75
56
80
82
78
63
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
50,000
50,000
50,000
50,000
70,000
–
100,000
–
200,000
100,000
200,000
100,000
200,000
200,000
–
750,000
500,000
–
500,000
500,000
500,000
500,000
500,000
1,000,000
1,000,000
750,000
1,000,000
1,000,000
1,000,000
–
45
21
25
44
20
18
22
37
64
63
67
64
71
50,000
50,000
50,000
50,000
50,000
100,000
50,000
70,000
100,000
–
170,000
200,000
200,000
250,000
–
–
–
500,000
500,000
450,000
1,000,000
2,000,000
1,000,000
1,000,000
1,000,000
36
37
33
36
29
Full time .................................................................
Part time ................................................................
76
67
50,000
50,000
70,000
50,000
200,000
–
500,000
400,000
1,000,000
750,000
24
33
Union .....................................................................
Nonunion ...............................................................
57
78
50,000
50,000
50,000
–
100,000
250,000
300,000
500,000
1,000,000
1,000,000
43
22
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
77
76
77
75
73
75
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
–
100,000
100,000
200,000
–
170,000
200,000
300,000
300,000
500,000
–
500,000
500,000
750,000
800,000
1,000,000
–
1,000,000
1,000,000
–
2,000,000
23
24
23
25
27
25
Goods-producing industries ...................................
67
50,000
100,000
300,000
600,000
1,000,000
33
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
75
65
51
80
80
78
48
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
50,000
50,000
50,000
100,000
–
50,000
200,000
200,000
–
100,000
–
250,000
400,000
–
500,000
500,000
300,000
200,000
400,000
500,000
–
250,000
1,000,000
1,000,000
500,000
350,000
500,000
1,000,000
1,000,000
500,000
23
25
35
49
20
20
22
52
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015—continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
79
82
74
74
77
71
$50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
–
$50,000
–
$200,000
200,000
200,000
250,000
200,000
300,000
73
73
73
78
75
84
80
71
73
69
77
83
74
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
–
–
–
–
–
–
100,000
–
50,000
–
50,000
200,000
200,000
250,000
–
255,000
–
250,000
250,000
250,000
250,000
200,000
150,000
200,000
75th
percentile
90th
percentile
$500,000 $1,000,000
500,000 1,000,000
500,000 1,000,000
500,000 1,000,000
500,000 1,000,000
–
–
With no
maximum
benefit
amount
21
18
26
26
23
29
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
500,000
500,000
500,000
–
750,000
500,000
500,000
500,000
500,000
500,000
500,000
–
500,000
1,000,000
1,000,000
1,000,000
1,500,000
2,000,000
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
27
27
27
22
25
16
20
29
27
31
23
17
26
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2015
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$35,000
$50,000
10,000
10,000
–
–
–
15,000
10,000
10,000
25,000
25,000
25,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
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 ..................
–
6,000
–
5,000
–
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
–
15,000
–
20,000
15,000
20,000
20,000
50,000
50,000
25,000
25,000
30,000
–
40,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
10,000
10,000
10,000
10,000
10,000
10,000
15,000
–
–
10,000
15,000
20,000
20,000
20,000
20,000
25,000
30,000
26,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
5,000
20,000
–
35,000
–
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
10,000
20,000
20,000
40,000
25,000
50,000
50,000
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
5,000
10,000
10,000
10,000
–
10,000
10,000
10,000
10,000
10,000
15,000
15,000
–
20,000
20,000
25,000
30,000
20,000
20,000
25,000
35,000
50,000
50,000
25,000
–
50,000
50,000
50,000
–
Goods-producing industries ...................................
10,000
12,500
20,000
30,000
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
10,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
20,000
20,000
20,000
–
20,000
20,000
–
20,000
40,000
46,000
46,000
50,000
–
45,000
30,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2015—continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
10,000
10,000
5,000
10,000
5,000
–
$15,000
–
10,000
10,000
10,000
$20,000
20,000
20,000
20,000
20,000
20,000
$30,000
30,000
30,000
40,000
25,000
50,000
$50,000
50,000
50,000
50,000
50,000
50,000
5,000
5,000
5,000
10,000
10,000
10,000
–
10,000
10,000
10,000
–
10,000
5,000
10,000
–
10,000
10,000
10,000
10,000
10,000
15,000
15,000
15,000
10,000
–
10,000
20,000
20,000
25,000
20,000
20,000
20,000
–
20,000
20,000
20,000
20,000
20,000
20,000
50,000
40,000
50,000
25,000
25,000
50,000
25,000
30,000
26,000
40,000
40,000
–
40,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except
the federal government. See Technical Note for further explanation.
3 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
shown. The remaining percentiles follow the same logic.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
44
40
15
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 ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
48
50
47
42
39
38
40
41
12
12
–
16
1
1
–
2
40
54
30
47
48
46
41
46
42
44
40
45
34
39
36
34
37
44
45
46
47
44
13
11
29
17
–
–
12
–
12
–
–
3
1
1
(3)
–
–
2
–
1
–
–
Full time .................................................................
Part time ................................................................
45
35
41
26
13
39
1
1
Union .....................................................................
Nonunion ...............................................................
42
45
42
39
–
15
–
1
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
34
40
46
50
52
35
–
44
41
38
36
33
43
16
12
11
–
–
–
1
1
1
–
Goods-producing industries ...................................
42
47
9
1
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 .........................................
44
38
43
36
61
35
50
38
43
39
47
24
45
39
17
18
–
13
–
–
–
1
1
–
4
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2015—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
32
33
30
51
46
55
43
39
52
38
43
33
24
27
17
10
10
–
1
(3)
1
1
1
–
25
49
20
53
51
50
58
56
54
46
37
51
29
50
25
47
48
49
42
42
43
45
62
35
45
–
54
–
–
–
–
–
–
9
–
14
1
–
1
–
3
( )
–
–
3
3
1
1
1
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
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 Less than 0.5.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using wage data for March 2015.
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/glossary20142015.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
16
84
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
12
12
12
10
88
88
88
90
10
13
33
17
22
15
14
11
14
10
18
90
87
67
83
78
85
86
89
86
90
82
Full time .................................................................
Part time ................................................................
14
35
86
65
Union .....................................................................
Nonunion ...............................................................
16
16
84
84
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
35
40
17
13
11
11
65
60
83
87
89
89
Goods-producing industries ...................................
11
89
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
16
8
8
7
20
18
82
84
92
92
93
80
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2015—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 ..........................................
Employee
contribution
required
Employee
contribution not
required
22
24
17
13
15
11
78
76
83
87
85
89
38
5
44
5
6
4
5
6
6
9
12
62
95
56
95
94
96
95
94
94
91
88
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in
the public sector, except the federal government. See Technical Note for further explanation.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
5
2
70
22
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 ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
1
1
1
–
69
63
74
88
27
34
22
6
1
–
2
2
–
2
5
2
3
2
16
5
14
17
9
–
–
–
1
–
–
–
3
4
5
–
88
86
86
70
66
71
58
60
66
58
76
4
10
6
26
29
25
22
32
16
20
11
–
–
–
1
–
–
–
–
1
1
–
Full time .................................................................
Part time ................................................................
6
2
2
2
68
89
23
8
1
(2)
Union .....................................................................
Nonunion ...............................................................
16
3
6
1
62
72
14
24
1
1
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5
2
7
6
4
1
–
–
1
3
2
1
84
90
75
68
63
63
8
5
17
22
31
33
–
–
1
1
1
1
Goods-producing industries ...................................
15
4
57
23
1
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 .........................................
3
3
3
–
1
–
2
1
–
–
–
–
–
–
74
88
88
90
82
88
83
22
6
7
4
16
6
13
1
–
–
2
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2015—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 ..........................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
5
5
4
6
7
4
2
2
–
2
2
–
76
75
80
66
67
66
17
18
13
25
24
26
(2)
(2)
–
1
1
–
3
5
3
5
5
7
3
10
11
3
4
2
–
–
–
–
–
–
–
3
3
2
–
3
81
67
84
64
68
63
56
62
62
71
76
68
14
28
12
27
23
23
39
24
24
23
20
24
–
–
–
–
–
–
–
1
(2)
2
–
3
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except
the federal government. See Technical Note for further explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
92
12
21
26
26
26
8
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
91
93
90
84
12
12
12
12
18
18
–
20
26
26
26
26
26
26
26
26
26
26
26
52
9
7
10
16
79
94
95
93
92
93
90
88
92
92
93
13
12
12
12
11
12
13
13
13
12
13
20
–
24
20
13
21
24
24
24
21
25
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
–
52
26
26
26
21
6
5
7
8
7
10
12
8
8
7
Full time .................................................................
Part time ................................................................
92
95
12
13
20
26
26
26
26
26
26
–
8
5
Union .....................................................................
Nonunion ...............................................................
86
94
13
12
26
18
26
26
26
26
52
26
14
6
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
95
94
92
90
89
12
13
12
12
12
12
21
26
21
18
22
22
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
6
5
6
8
10
11
Goods-producing industries ...................................
92
13
24
26
26
26
8
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Public administration .........................................
92
92
84
79
89
97
86
12
12
13
13
13
12
–
21
–
22
22
26
13
24
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
26
52
52
26
26
52
8
8
16
21
11
3
14
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
95
94
95
91
92
89
12
12
12
12
12
13
13
13
–
22
20
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
5
6
5
9
8
11
93
92
93
93
94
95
91
88
88
93
92
94
13
12
22
12
12
12
12
12
12
11
11
12
26
–
26
13
13
12
13
16
15
13
13
25
26
26
26
26
26
26
26
26
26
26
21
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
36
26
26
26
26
26
26
–
7
8
7
7
6
5
9
12
12
7
8
6
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 69
percent
50 percent
1
21
2
39
24
14
62.5
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
(2)
1
(2)
–
18
16
20
28
2
1
2
5
40
37
42
31
23
27
21
16
16
18
15
21
63.7
64.9
63.0
64.0
60.0
60.0
60.0
60.0
–
–
–
1
–
1
1
–
2
3
–
31
21
30
22
22
23
20
16
17
14
19
3
–
–
1
–
1
2
–
(2)
(2)
–
29
49
33
39
38
39
40
49
43
42
45
20
18
26
23
22
24
26
20
23
25
22
18
9
8
13
15
13
12
12
14
15
14
62.8
60.3
60.1
62.1
62.4
62.0
62.3
62.1
62.9
62.5
63.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
20
31
1
–
41
25
23
30
14
8
62.8
60.5
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
22
21
5
1
32
41
29
23
12
14
61.6
62.7
60.0
60.0
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
2
–
1
1
(2)
(2)
28
36
21
20
17
18
2
–
2
1
1
2
34
28
40
40
40
39
27
27
23
22
24
21
8
6
12
15
17
20
60.5
59.6
61.9
62.6
64.1
64.9
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
–
14
–
42
25
18
63.5
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 .................
Public administration .........................................
1
(2)
–
–
–
(2)
–
22
25
32
36
24
21
27
2
3
7
3
12
1
–
39
39
27
28
25
45
30
24
18
15
19
9
20
34
13
15
19
14
30
12
5
62.3
61.7
63.0
61.1
68.1
61.0
60.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
50 percent
50 percent
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
annual
earnings
Median
fixed
percent of
annual
earnings
(2)
(2)
–
1
–
1
23
24
20
20
14
25
1
1
–
2
–
3
37
34
44
40
47
34
27
30
21
22
22
21
11
11
13
15
14
16
62.1
62.1
62.1
62.8
62.7
62.9
60.0
60.0
60.0
60.0
60.0
60.0
1
–
1
1
–
–
–
–
–
1
–
2
30
9
33
17
20
17
11
14
15
16
10
19
(2)
–
(2)
(2)
–
–
–
–
–
9
–
15
24
48
21
51
49
48
57
46
44
43
56
35
37
18
40
14
13
–
15
19
20
17
18
17
7
21
5
17
16
21
17
20
20
13
16
12
61.3
65.5
60.6
63.1
62.3
64.1
64.6
64.6
64.3
61.6
63.7
60.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note
for further explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
73
$170
$315
$595
$1,250
$2,325
27
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
69
67
71
75
170
170
170
170
500
546
500
500
750
750
750
692
1,500
1,500
1,500
1,000
2,500
2,500
2,500
1,750
31
33
29
25
75
61
81
75
78
74
76
76
71
66
76
170
201
170
170
170
170
170
200
170
170
170
500
524
185
270
–
270
350
490
300
250
385
692
–
520
600
595
600
572
600
559
559
510
831
2,307
604
1,500
1,666
1,250
1,000
–
1,000
1,000
750
–
2,800
1,500
2,500
4,615
2,500
2,000
2,000
1,500
2,000
1,500
25
39
19
25
22
26
24
24
29
34
24
Full time .................................................................
Part time ................................................................
72
83
170
170
364
170
604
500
1,500
595
2,500
987
28
17
Union .....................................................................
Nonunion ...............................................................
79
72
170
170
200
315
500
604
831
1,385
1,662
2,500
21
28
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
82
88
73
71
70
67
170
170
170
170
170
170
170
170
300
300
500
500
535
315
595
600
700
831
604
595
1,000
1,250
1,500
2,000
1,500
–
2,308
2,309
2,500
2,500
18
12
27
29
30
33
Goods-producing industries ...................................
69
170
350
595
1,000
2,000
31
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 .........................................
74
70
71
74
61
69
71
170
170
170
170
170
170
170
300
300
–
500
185
–
200
595
595
692
692
600
595
595
1,300
1,075
831
831
1,039
1,300
–
2,423
2,310
2,000
–
2,000
2,500
1,662
26
30
29
26
39
31
29
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum weekly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
79
80
78
69
71
68
$170
170
170
170
170
170
–
–
$300
375
350
450
$584
576
595
604
604
600
$1,000
–
1,150
1,500
1,500
1,500
$1,730
1,500
2,308
2,500
2,500
2,500
21
20
22
31
29
32
88
68
91
66
68
63
65
55
55
76
72
78
170
300
170
300
315
315
300
270
270
170
–
170
170
–
170
500
500
500
500
500
500
500
–
–
559
700
559
1,000
1,000
1,000
750
–
750
1,000
–
595
604
–
600
1,730
1,750
1,500
1,500
1,500
1,500
2,000
2,000
1,662
1,300
2,500
1,000
2,500
2,500
2,500
2,650
2,500
2,500
2,500
2,500
2,350
12
32
9
34
32
37
35
45
45
24
28
22
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
8
92
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
9
6
10
17
91
94
90
83
20
8
9
16
8
8
8
10
10
6
6
6
80
92
91
84
92
92
92
90
90
94
94
94
Full time .................................................................
Part time ................................................................
8
7
92
93
Union .....................................................................
Nonunion ...............................................................
13
8
87
92
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
11
8
8
9
9
89
92
92
91
91
Goods-producing industries ...................................
6
94
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 .........................................
9
10
16
19
13
5
7
16
91
90
84
81
87
95
93
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2015—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 ..........................................
Employee
contribution
required
Employee
contribution not
required
5
4
7
10
8
11
95
96
93
90
92
89
7
4
8
7
7
8
6
10
11
8
11
7
93
96
92
93
93
92
94
90
89
92
89
93
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in
the public sector, except the federal government. See Technical Note for further explanation.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
95
4
1
(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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
96
95
96
97
4
4
3
2
(2)
–
–
–
(2)
–
–
–
97
98
95
93
95
90
97
90
93
91
89
94
–
2
3
6
4
10
3
5
4
3
4
2
–
–
–
–
(2)
–
(2)
3
–
4
5
2
–
–
–
–
(2)
–
1
1
–
2
2
1
Full time .................................................................
Part time ................................................................
95
89
4
9
1
–
(2)
–
Union .....................................................................
Nonunion ...............................................................
87
96
4
4
6
(2)
2
(2)
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
96
94
95
94
5
3
4
4
5
–
1
2
1
–
–
(2)
1
(2)
–
Goods-producing industries ...................................
89
6
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 .........................................
96
97
97
97
96
98
97
93
3
2
2
–
4
2
2
6
1
–
–
1
–
–
–
–
(2)
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2015—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
95
94
97
95
95
95
4
5
3
4
4
3
–
–
–
1
1
1
–
–
–
1
1
1
96
96
96
96
96
92
97
92
92
94
95
95
96
2
3
2
4
3
–
3
4
4
4
4
5
3
1
–
2
2
( )
–
–
–
2
3
–
(2)
–
1
1
–
1
2
( )
–
–
–
1
1
–
(2)
–
1
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public
sector, except the federal government. See Technical Note for further explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2015
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
24
61
7
6
1
58.2
60.0
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
24
26
23
12
58
60
58
51
9
7
10
19
7
6
8
12
1
(2)
2
6
58.3
57.7
58.6
61.0
60.0
60.0
60.0
60.0
14
40
23
18
26
22
27
21
19
21
22
20
44
53
63
59
62
67
60
66
70
69
67
71
22
4
8
13
6
4
6
7
5
4
–
–
14
–
4
–
6
5
6
4
4
5
5
4
7
–
2
–
1
2
1
1
1
1
–
–
61.1
55.8
58.6
60.0
58.0
58.1
57.9
58.2
58.5
58.2
58.0
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
Full time .................................................................
Part time ................................................................
24
27
62
56
8
6
6
8
1
2
58.2
58.3
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
26
24
53
63
9
7
9
6
4
1
59.0
58.1
60.0
60.0
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
19
24
23
25
26
70
63
62
58
58
6
7
8
8
8
5
5
6
7
7
1
1
1
2
1
58.5
58.0
58.4
58.1
58.1
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
21
65
7
6
1
58.3
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 .........................................
24
24
12
14
8
33
47
18
61
59
52
40
69
64
49
46
8
9
20
24
13
2
2
20
6
6
12
16
7
–
–
13
1
2
5
6
3
–
–
3
58.2
58.4
61.1
61.4
60.6
56.5
54.9
60.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2015—continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
19
20
17
26
22
30
68
69
68
58
66
52
6
5
8
8
5
10
6
6
6
6
6
6
1
1
2
1
1
1
58.8
58.7
58.9
58.0
58.2
57.8
60.0
60.0
60.0
60.0
60.0
60.0
24
25
23
24
24
22
25
22
26
16
26
25
26
66
63
67
63
59
69
67
63
60
67
53
53
52
3
7
2
8
12
–
4
6
6
7
12
12
11
7
5
7
4
4
4
3
6
5
8
9
–
9
1
1
1
1
1
–
1
3
2
3
1
–
1
58.2
58.1
58.3
57.7
58.0
57.5
57.4
58.7
58.1
59.7
58.5
58.7
58.4
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
67 percent
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
85
$3,000
$5,000
$7,500
$10,000
$15,000
15
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
86
89
84
72
3,000
4,000
3,000
2,500
5,000
6,000
5,000
3,900
8,000
10,000
7,500
5,000
11,000
14,500
10,000
7,000
15,000
20,000
15,000
10,000
14
11
16
28
68
90
84
71
87
92
86
85
89
80
84
76
–
–
–
–
3,000
5,000
2,500
3,000
3,000
3,000
3,000
3,000
3,900
5,000
5,000
–
5,000
5,000
5,000
5,000
4,000
5,000
5,000
–
5,000
8,000
7,000
5,000
8,000
10,000
7,500
6,000
6,000
7,000
7,000
6,500
6,000
10,000
10,000
8,000
12,000
15,000
12,000
10,000
10,000
10,000
10,000
10,000
8,000
15,000
12,500
10,000
20,000
20,000
20,000
15,000
12,500
15,000
15,000
12,000
32
10
16
29
13
8
14
15
11
20
16
24
Full time .................................................................
Part time ................................................................
85
81
3,000
3,000
5,000
5,000
7,500
7,000
10,000
10,000
15,000
15,000
15
19
Union .....................................................................
Nonunion ...............................................................
72
87
2,333
3,000
3,500
5,000
5,000
8,000
8,000
10,500
10,000
15,000
28
13
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
88
86
84
85
85
3,000
3,000
3,000
–
4,000
5,000
5,000
5,000
5,000
6,000
6,000
7,000
7,500
8,500
10,000
10,000
10,000
10,000
12,250
15,000
12,500
15,000
15,000
17,000
20,000
12
14
16
15
15
Goods-producing industries ...................................
87
3,000
5,000
8,500
11,000
15,000
13
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 .........................................
85
85
73
69
78
93
89
65
3,000
3,000
–
–
3,000
3,000
–
–
5,000
5,000
3,900
3,900
5,000
5,000
5,000
3,900
7,500
6,000
5,000
5,000
7,000
7,500
8,000
5,000
10,000
10,000
8,000
6,500
10,000
10,000
10,000
7,000
15,000
15,000
10,000
8,500
15,000
15,000
15,000
10,000
15
15
27
31
22
7
11
35
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2015—continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
With
maximum
benefit
amount
Maximum monthly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
89
89
89
83
87
81
–
$3,000
4,000
3,000
3,000
–
$5,000
5,000
5,000
5,000
5,000
5,000
$7,000
7,000
7,500
8,000
7,500
8,000
$10,000
10,000
10,000
11,500
10,000
12,000
$15,000
15,000
15,000
15,000
15,000
15,000
11
11
11
17
13
19
90
92
89
90
89
90
91
78
77
79
83
81
83
3,000
3,000
2,500
3,000
–
3,000
3,000
3,000
3,000
4,000
3,333
–
3,333
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,500
7,500
7,500
7,500
7,500
7,000
7,500
6,000
6,000
7,500
10,000
9,000
10,000
–
11,000
10,000
10,000
10,000
10,000
10,625
10,000
10,000
12,000
–
12,000
–
15,000
15,000
15,000
15,000
15,000
15,000
–
15,000
15,000
17,000
17,300
15,000
20,000
10
8
11
10
11
10
9
22
23
21
17
19
17
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2015
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
57
56
97
40
39
98
34
33
97
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
28
50
56
44
63
56
77
85
72
26
45
54
43
62
55
99
99
99
93
89
98
96
98
97
54
66
48
20
32
38
29
45
39
53
65
47
20
31
37
27
44
39
99
99
99
96
95
97
94
98
99
58
64
55
11
17
33
21
41
26
57
63
54
11
16
32
19
40
26
98
98
98
97
99
96
94
97
97
48
64
65
71
59
47
62
63
69
56
98
97
96
97
95
32
45
47
53
41
32
44
45
52
38
100
99
96
98
94
17
34
31
35
28
16
33
30
33
26
97
97
95
96
93
Full time .................................................................
Part time ................................................................
72
13
71
11
98
88
49
14
48
13
98
92
44
5
43
5
97
97
Union .....................................................................
Nonunion ...............................................................
86
54
83
53
97
98
67
37
64
37
96
98
39
34
37
33
96
97
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
22
12
59
72
84
89
20
11
57
71
84
88
91
88
97
98
99
99
17
13
37
50
63
67
16
12
36
50
62
67
94
93
97
98
99
99
7
3
30
46
62
68
6
2
29
44
61
67
94
88
97
97
97
98
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
71
44
82
70
43
80
98
97
98
54
30
63
53
30
62
99
99
99
37
17
44
36
16
43
97
96
97
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
54
56
71
43
77
93
53
54
70
41
73
93
97
96
99
95
95
99
37
36
50
27
51
49
36
34
49
25
47
49
97
94
98
93
91
100
33
25
47
12
37
85
32
24
45
11
34
83
97
94
96
92
93
97
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2015—continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
88
83
91
94
87
56
57
71
33
63
64
86
62
20
19
33
88
82
90
93
86
54
55
71
31
62
64
85
62
18
17
31
99
99
99
100
99
98
98
99
93
99
100
99
99
92
90
96
80
64
72
70
70
38
43
55
24
35
45
48
34
16
16
26
79
63
71
69
70
37
42
55
23
35
44
48
34
15
15
26
99
99
99
99
99
98
98
99
96
99
100
99
99
96
95
100
68
64
74
81
68
32
41
58
18
44
61
81
41
5
4
18
67
63
72
78
66
30
40
57
17
42
59
77
40
5
3
17
99
97
97
97
97
96
98
99
95
97
97
96
98
95
92
95
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
40
35
55
77
71
86
39
34
53
75
69
85
96
97
95
98
98
99
29
26
36
53
47
63
28
26
35
52
46
62
97
97
97
98
97
98
23
20
30
48
39
61
22
19
29
46
38
59
97
96
97
97
97
97
57
56
57
59
58
59
61
60
61
59
50
54
48
56
56
56
57
57
58
58
59
59
57
49
53
47
99
99
99
97
98
98
95
97
97
97
98
97
98
65
44
73
36
38
37
31
40
42
37
25
31
22
64
43
72
35
37
35
31
39
41
36
24
29
22
99
97
99
97
97
95
98
97
97
98
97
96
98
37
37
37
35
34
38
34
35
35
36
29
32
28
36
37
36
34
33
36
33
34
34
35
28
30
27
97
98
97
97
97
95
97
97
97
97
97
95
98
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using wage data for March 2015.
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2015
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
4
96
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 ...
Transportation and material moving ..................
3
4
2
7
5
8
3
6
97
96
98
93
95
92
97
94
6
6
4
4
94
94
96
96
Full time .................................................................
Part time ................................................................
4
3
96
97
Nonunion ...............................................................
5
95
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
6
5
5
4
3
3
94
95
95
96
97
97
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
5
6
4
95
94
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Information .........................................................
4
6
6
9
1
96
94
94
91
99
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 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Characteristics
Employee
contribution
required
Employee
contribution not
required
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
3
3
4
3
3
4
1
2
1
1
97
97
96
97
97
96
99
98
99
99
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
7
5
3
4
2
93
93
95
97
96
98
2
2
3
5
4
7
5
4
4
3
5
8
3
98
98
97
95
96
93
95
96
96
97
95
92
97
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2015
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
62
1
34
2
(1)
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 ...
Transportation and material moving ..................
75
77
73
53
64
60
66
40
2
1
2
–
2
2
2
–
22
20
23
43
32
35
31
55
1
1
1
2
2
3
–
4
(1)
(1)
(1)
–
(1)
1
–
–
22
51
50
51
–
–
1
–
72
45
44
43
4
4
5
4
–
–
(1)
–
Full time .................................................................
Part time ................................................................
63
55
1
–
33
38
2
6
(1)
–
Nonunion ...............................................................
65
2
32
1
(1)
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
49
46
55
61
73
77
–
–
1
1
2
3
47
51
41
36
23
18
3
3
3
2
2
2
–
–
(1)
(1)
(1)
(1)
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
50
21
57
1
–
2
44
76
37
4
2
5
(1)
–
(1)
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
65
55
58
51
57
76
1
2
–
3
2
3
31
38
35
41
40
21
2
4
5
5
–
–
(1)
1
–
1
–
–
All workers .............................................................
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
88
76
81
86
75
46
70
72
68
69
73
68
53
50
–
1
1
1
1
–
2
–
–
1
1
–
–
–
8
22
16
12
22
53
27
25
29
29
24
29
46
49
–
1
1
–
–
–
–
–
2
1
1
2
–
–
–
(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 ..........................................
50
49
52
70
64
77
(1)
(1)
–
2
2
2
47
48
46
25
31
19
2
2
2
3
3
3
(1)
(1)
–
(1)
(1)
(1)
69
74
67
62
64
59
61
56
55
59
63
61
64
2
2
–
1
2
–
1
1
2
1
1
2
–
27
23
28
34
32
37
36
38
40
36
34
37
32
–
–
2
2
2
2
2
4
3
4
2
–
3
–
–
–
(1)
(1)
–
(1)
(1)
(1)
(1)
(1)
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2015
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
63
9
23
4
1.4
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Transportation and material moving ..................
1
1
–
1
(2)
–
(2)
1
60
57
62
69
66
73
63
64
9
8
9
9
9
8
9
10
25
28
23
20
22
18
24
22
5
6
–
2
4
–
4
2
1.4
1.4
1.4
1.3
1.3
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
2
1
–
64
64
62
66
–
9
13
15
–
22
22
17
–
3
2
–
1.3
1.3
1.3
1.3
1.0
1.0
1.0
1.0
Full time .................................................................
Part time ................................................................
1
–
62
78
10
3
24
16
4
–
1.4
1.2
1.0
1.0
Nonunion ...............................................................
1
62
10
24
4
1.4
1.0
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
(2)
1
71
66
69
60
60
59
7
–
10
11
8
8
19
–
18
24
26
27
–
–
2
4
5
5
1.3
1.4
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 ....................................................
–
–
–
54
73
53
10
7
10
31
–
32
–
–
–
1.4
1.2
1.4
1.0
1.0
1.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
–
65
66
43
83
63
64
9
12
24
4
13
–
22
20
29
13
21
18
4
2
–
1
–
–
1.3
1.3
1.5
1.2
1.3
1.4
1.0
1.0
1.5
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2015—continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
68
62
62
62
59
64
58
60
69
57
53
71
76
85
6
7
7
7
6
–
10
11
9
14
14
8
–
–
19
26
26
24
31
–
25
20
18
21
22
18
–
–
–
–
–
6
–
–
–
9
–
–
–
–
–
–
1.3
1.4
1.4
1.4
1.4
1.3
1.4
1.4
1.3
1.4
1.4
1.3
1.2
1.1
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
(2)
–
–
1
(2)
1
60
62
55
64
65
64
10
9
14
9
8
10
25
24
28
22
23
22
4
–
–
4
4
3
1.4
1.4
1.4
1.3
1.4
1.3
1.0
1.0
1.0
1.0
1.0
1.0
–
–
–
1
–
–
–
–
–
–
–
–
–
60
63
59
66
67
66
62
59
58
59
66
73
62
13
15
12
7
7
–
6
11
12
8
9
–
6
23
20
25
23
21
18
28
26
25
27
21
12
26
–
–
–
4
–
5
–
–
–
–
–
1
–
1.4
1.3
1.4
1.3
1.3
1.3
1.4
1.4
1.4
1.4
1.3
1.2
1.4
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 20. Life insurance plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$500,000 $1,000,000
With no
maximum
benefit
amount
78
$50,000
$75,000
$250,000
22
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 ...
Transportation and material moving ..................
80
80
81
83
82
83
82
66
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
100,000
50,000
50,000
50,000
–
–
300,000
300,000
300,000
200,000
200,000
100,000
200,000
200,000
750,000
750,000
750,000
500,000
500,000
500,000
500,000
–
1,500,000
–
–
1,000,000
1,000,000
1,000,000
–
–
20
20
19
17
18
17
18
34
73
64
68
72
–
50,000
50,000
50,000
–
50,000
70,000
–
200,000
200,000
200,000
–
–
–
500,000
500,000
1,000,000
2,000,000
1,000,000
1,000,000
27
36
32
28
Full time .................................................................
Part time ................................................................
79
69
50,000
50,000
–
50,000
250,000
–
600,000
–
1,000,000
750,000
21
31
Nonunion ...............................................................
80
50,000
–
250,000
600,000
1,000,000
20
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
78
77
81
78
77
79
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
100,000
100,000
100,000
200,000
–
170,000
200,000
300,000
300,000
500,000
–
500,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
2,000,000
2,000,000
22
23
19
22
23
21
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
67
78
67
50,000
50,000
50,000
100,000
50,000
100,000
300,000
100,000
300,000
600,000
–
700,000
1,000,000
500,000
1,000,000
33
22
33
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
81
77
82
75
78
63
50,000
50,000
50,000
50,000
50,000
50,000
70,000
50,000
–
50,000
70,000
–
250,000
–
250,000
50,000
100,000
–
500,000
500,000
500,000
500,000
300,000
–
1,000,000
1,000,000
1,000,000
1,500,000
500,000
1,000,000
19
23
18
25
22
37
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015—continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
67
86
85
89
75
80
86
83
87
87
82
$50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
–
$100,000
100,000
100,000
–
100,000
100,000
100,000
50,000
50,000
100,000
$500,000 $2,000,000
–
250,000
600,000 $2,000,000
255,000
700,000 2,000,000
250,000
650,000 2,000,000
– 1,000,000
–
– 1,000,000 2,000,000
–
750,000 1,000,000
250,000
500,000 1,000,000
200,000
400,000
500,000
200,000
500,000
500,000
250,000
500,000 1,000,000
33
14
15
11
25
20
14
17
13
13
18
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
83
76
77
79
76
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
–
50,000
100,000
200,000
200,000
200,000
300,000
200,000
400,000
500,000
500,000
500,000
750,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
–
19
17
24
23
21
24
77
73
78
82
82
81
82
75
76
73
77
84
74
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
100,000
–
–
–
–
–
100,000
50,000
50,000
–
50,000
250,000
200,000
250,000
250,000
300,000
200,000
250,000
250,000
300,000
250,000
200,000
–
200,000
500,000
500,000
500,000
750,000
1,000,000
500,000
–
500,000
500,000
500,000
500,000
–
500,000
1,000,000
1,000,000
1,000,000
1,750,000
2,000,000
1,000,000
–
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
23
27
22
18
18
19
18
25
24
27
23
16
26
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2015
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$30,000
$50,000
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Transportation and material moving ..................
10,000
10,000
10,000
–
–
5,000
10,000
10,000
15,000
15,000
15,000
10,000
10,000
10,000
15,000
10,000
25,000
25,000
25,000
15,000
20,000
15,000
25,000
20,000
50,000
50,000
50,000
20,000
–
20,000
50,000
25,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
10,000
10,000
10,000
10,000
10,000
15,000
–
–
15,000
20,000
20,000
20,000
25,000
30,000
26,000
30,000
40,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
12,000
5,000
20,000
10,000
30,000
25,000
50,000
50,000
Nonunion ...............................................................
10,000
15,000
20,000
30,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5,000
5,000
10,000
10,000
10,000
10,000
10,000
–
–
15,000
15,000
15,000
15,000
–
20,000
20,000
25,000
–
20,000
20,000
25,000
35,000
50,000
50,000
25,000
–
50,000
50,000
50,000
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
10,000
10,000
–
10,000
15,000
20,000
15,000
20,000
30,000
25,000
30,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
10,000
–
10,000
5,000
10,000
10,000
10,000
10,000
15,000
10,000
15,000
10,000
20,000
20,000
20,000
15,000
25,000
–
–
25,000
–
20,000
40,000
–
50,000
50,000
50,000
–
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2015—continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
$10,000
–
15,000
–
15,000
10,000
10,000
–
10,000
10,000
10,000
10,000
10,000
10,000
$20,000
15,000
25,000
20,000
25,000
15,000
15,000
–
10,000
10,000
10,000
10,000
10,000
10,000
$25,000
25,000
50,000
25,000
50,000
15,000
25,000
–
20,000
20,000
–
20,000
15,000
15,000
$50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
20,000
20,000
$50,000
50,000
–
–
–
40,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10,000
10,000
10,000
10,000
10,000
10,000
15,000
15,000
–
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
30,000
30,000
30,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
10,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
–
10,000
–
–
–
–
15,000
15,000
12,500
10,000
10,000
10,000
20,000
25,000
20,000
20,000
20,000
–
20,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
50,000
50,000
30,000
25,000
50,000
25,000
25,000
25,000
–
–
25,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
43
40
16
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
47
50
46
–
47
48
46
40
46
42
44
39
39
38
41
40
36
34
36
45
45
46
47
44
12
12
–
34
–
–
–
13
–
12
–
–
1
1
–
–
–
–
–
3
–
1
–
–
Full time .................................................................
Part time ................................................................
44
33
41
–
13
41
1
–
Nonunion ...............................................................
44
40
16
(2)
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
35
37
45
50
52
33
20
45
41
38
37
36
45
17
13
11
–
–
–
(2)
1
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
42
26
46
47
46
47
9
24
7
1
4
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
44
42
36
44
72
38
40
50
40
23
18
–
13
–
–
1
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Commercially
insured
Legally
required
Other
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 ...................................................
67
73
78
70
–
40
34
37
34
32
54
34
32
33
18
25
22
20
23
45
42
50
36
45
42
32
46
30
30
40
–
–
–
8
31
–
–
–
–
–
–
–
38
37
42
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
32
33
30
51
46
56
43
39
52
38
44
33
25
28
–
10
10
10
(2)
1
–
1
1
1
25
49
20
52
50
50
58
56
54
43
39
45
28
51
23
48
50
50
42
42
43
48
61
39
46
–
56
–
–
–
–
–
–
–
–
–
(2)
–
(2)
–
–
–
–
2
3
–
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Employer assumes all risks and expenses of providing the benefit.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using wage data for March 2015.
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/glossary20142015.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
16
84
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
12
12
12
36
17
22
15
14
10
14
10
19
88
88
88
64
83
78
85
86
90
86
90
81
Full time .................................................................
Part time ................................................................
15
37
85
63
Nonunion ...............................................................
16
84
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
37
42
17
14
11
11
63
58
83
86
89
89
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
11
24
9
89
76
91
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
18
20
20
15
6
82
80
80
85
94
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Employee
contribution
required
Employee
contribution not
required
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
8
5
4
5
29
16
13
27
17
7
19
44
43
38
92
95
96
95
71
84
87
73
83
93
81
56
57
62
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
23
25
18
13
14
11
77
75
82
87
86
89
39
6
46
6
7
3
5
5
5
10
14
61
94
54
94
93
97
95
95
95
90
86
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
5
2
68
23
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
6
2
3
2
17
5
13
17
9
1
1
1
–
–
–
–
–
3
4
5
–
67
61
71
86
69
66
70
56
59
66
58
76
30
36
25
5
27
29
26
23
33
16
20
11
1
–
2
–
–
–
–
–
–
1
1
–
Full time .................................................................
Part time ................................................................
6
2
2
–
66
89
25
7
1
–
Nonunion ...............................................................
3
1
71
24
1
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5
2
7
6
4
2
–
–
2
–
2
–
84
90
74
68
60
61
9
6
16
23
33
35
–
–
(2)
–
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
15
29
13
4
–
–
56
54
57
23
12
25
1
–
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
2
5
4
9
–
2
–
3
–
–
72
73
73
72
29
23
19
20
15
69
1
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
1
–
–
–
–
–
–
–
3
–
–
–
6
4
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
53
48
39
57
84
72
74
79
88
85
79
88
86
87
93
46
51
60
41
–
27
25
–
7
12
19
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 ..........................................
5
5
4
6
7
5
2
2
–
2
2
–
76
74
79
64
66
61
17
19
14
27
25
30
(2)
(2)
–
1
1
–
3
5
3
5
5
7
3
11
11
3
4
2
–
(2)
–
–
–
–
–
3
3
2
–
3
80
66
84
62
67
62
54
61
61
68
74
64
16
28
13
29
25
23
41
25
24
25
21
28
–
–
–
–
–
–
–
(2)
(2)
2
–
2
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
2 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not
meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
93
12
20
26
26
26
7
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
93
93
92
97
93
92
94
91
88
92
92
93
12
12
12
12
12
11
12
13
13
13
12
13
–
18
13
–
20
13
21
24
24
24
21
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
36
52
26
26
26
7
7
8
3
7
8
6
9
12
8
8
7
Full time .................................................................
Part time ................................................................
93
96
12
13
18
26
26
26
26
26
26
–
7
4
Nonunion ...............................................................
94
12
18
26
26
26
6
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
95
96
95
93
91
91
12
–
12
12
12
12
21
26
18
18
21
21
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
5
4
5
7
9
9
Goods-producing industries ...................................
Manufacturing ....................................................
92
92
13
12
24
24
26
26
26
26
26
26
8
8
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Information .........................................................
93
90
94
84
12
12
12
12
20
21
24
25
26
26
26
26
26
26
26
26
26
26
26
52
7
10
6
16
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
93
93
93
93
94
93
96
94
90
97
100
100
13
13
13
13
12
12
12
13
13
12
12
12
25
25
26
25
13
13
13
–
26
13
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
26
26
26
26
26
26
26
26
26
52
52
7
7
7
7
6
7
4
6
10
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 ..........................................
95
94
96
92
92
91
12
12
12
12
12
13
13
13
–
21
18
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
5
6
4
8
8
9
94
92
95
93
94
95
91
90
90
94
93
95
13
12
–
12
12
12
12
12
12
12
11
12
26
–
26
13
13
12
–
–
13
13
13
25
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
6
8
5
7
6
5
9
10
10
6
7
5
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 69
percent
50 percent
1
20
1
40
24
14
62.7
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
(1)
–
1
–
1
1
–
2
3
–
16
14
17
29
22
22
23
19
16
16
14
18
(1)
(1)
1
–
1
–
1
2
–
(1)
(1)
–
42
37
45
35
39
38
40
41
48
44
42
46
24
28
22
26
23
21
23
26
21
23
25
22
17
20
15
8
14
16
13
12
12
14
15
13
64.1
65.5
63.2
60.2
62.1
62.4
62.0
62.2
62.2
63.0
62.5
63.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
18
30
1
–
42
27
23
31
15
8
63.0
60.9
60.0
60.0
Nonunion ...............................................................
1
19
1
41
24
14
62.8
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
2
–
–
1
1
1
29
37
19
19
16
16
2
–
–
1
(1)
(1)
31
25
43
43
41
40
29
30
23
22
25
23
8
6
13
15
17
20
60.3
59.7
62.2
62.7
64.2
65.3
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
–
–
2
14
24
13
–
–
(1)
42
33
42
25
36
22
18
4
21
63.6
60.7
64.2
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
1
1
–
–
–
21
20
16
21
13
1
1
–
–
–
40
42
51
41
57
24
21
19
16
–
13
16
10
21
16
62.5
63.4
61.7
65.6
62.7
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Less than
50 percent
50 percent
51 to 59
percent
60 percent
61 to 69
percent
Greater
than 69
percent
Mean fixed
percent of
annual
earnings
Median
fixed
percent of
annual
earnings
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
–
–
–
27
24
41
10
–
13
12
–
23
30
27
21
38
37
20
–
–
–
–
–
–
–
–
1
–
–
(1)
–
–
5
31
27
22
36
44
44
43
48
43
32
33
46
29
29
27
18
21
21
25
–
33
32
34
19
16
10
19
27
–
45
23
27
14
28
–
9
13
–
14
21
30
13
4
4
3
64.3
65.7
60.9
66.6
59.0
62.9
64.5
60.2
61.6
64.3
68.9
61.1
59.4
59.8
61.5
60.0
60.0
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
(1)
(1)
–
2
–
2
22
23
20
18
13
23
1
1
–
(1)
–
1
37
34
44
43
47
37
27
30
21
22
23
21
12
11
14
16
15
16
62.3
62.3
62.2
63.1
63.0
63.1
60.0
60.0
60.0
60.0
60.0
60.0
–
–
–
1
–
–
–
–
–
1
–
2
31
9
35
13
14
17
9
12
12
15
9
19
–
–
–
(1)
–
–
–
–
–
5
–
8
24
49
20
54
54
50
57
48
46
45
59
35
36
18
39
14
14
–
16
19
21
19
16
21
7
20
5
17
17
–
17
21
20
15
–
15
61.2
65.3
60.5
63.4
62.9
63.1
64.8
64.8
64.7
62.2
63.4
61.3
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
73
$170
$315
$595
$1,300
$2,500
27
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
69
66
70
83
75
78
74
77
76
71
66
77
170
170
170
170
170
170
170
170
200
170
170
170
500
559
500
170
270
–
270
350
476
300
250
385
900
–
1,000
520
600
595
600
572
600
524
559
500
1,730
1,500
1,800
604
1,500
1,666
1,385
1,000
1,200
1,000
1,000
–
2,500
2,500
2,500
1,500
2,500
4,615
2,500
2,000
2,000
1,500
2,000
1,500
31
34
30
17
25
22
26
23
24
29
34
23
Full time .................................................................
Part time ................................................................
72
84
170
170
350
170
600
500
1,500
595
2,500
921
28
16
Nonunion ...............................................................
73
170
315
600
1,480
2,500
27
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
84
90
73
71
70
67
170
170
170
170
170
170
170
170
300
300
500
500
524
315
595
595
750
1,000
604
595
1,000
1,269
1,750
2,000
1,400
–
2,308
2,350
2,500
3,000
16
10
27
29
30
33
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
69
92
64
170
170
200
350
170
400
595
546
600
1,000
–
1,000
2,000
–
2,309
31
8
36
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
Information .........................................................
74
74
73
72
72
170
170
170
170
170
300
200
425
–
–
595
561
572
500
1,846
1,500
1,000
1,000
–
2,500
2,500
2,500
2,500
1,385
3,464
26
26
27
28
28
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
58
50
48
54
80
79
84
69
68
49
69
84
$170
170
–
–
170
170
170
170
170
170
170
170
–
$595
–
595
500
572
–
–
170
170
–
–
–
$1,385
1,500
1,000
–
1,000
590
595
595
–
595
590
$2,000
3,000
3,000
2,500
1,500
1,500
–
1,300
–
1,500
1,300
–
$4,153
5,770
8,077
–
2,500
2,309
2,300
2,500
1,750
2,000
2,500
–
42
50
52
46
20
21
16
31
32
51
31
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 ..........................................
80
80
79
68
71
65
170
170
170
170
170
170
–
170
300
400
350
490
576
572
584
600
604
600
1,000
987
1,000
1,500
1,500
–
1,730
1,500
2,308
2,500
2,500
2,500
20
20
21
32
29
35
88
67
92
65
66
65
64
57
58
74
72
76
170
300
170
300
300
315
275
260
270
200
–
170
170
–
170
500
500
500
500
500
475
500
–
500
559
700
559
1,000
1,000
1,000
1,000
–
750
1,000
–
–
604
1,500
595
1,750
1,800
1,500
1,750
1,500
1,400
2,000
2,000
2,076
1,500
2,500
–
2,500
2,500
2,500
2,771
2,500
2,500
2,500
2,500
2,500
12
33
8
35
34
35
36
43
42
26
28
24
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
7
93
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
7
6
7
6
7
9
7
9
9
6
6
6
93
94
93
94
93
91
93
91
91
94
94
94
Full time .................................................................
Part time ................................................................
7
5
93
95
Union .....................................................................
Nonunion ...............................................................
10
7
90
93
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
10
6
7
7
7
90
94
93
93
93
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
6
7
6
94
93
94
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
7
9
8
7
10
18
93
91
92
93
90
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2015—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
Employee
contribution
required
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 ...................................................
3
5
4
3
5
10
8
6
8
11
5
5
97
95
96
97
95
90
92
94
92
89
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 ..........................................
5
4
5
8
7
9
95
96
95
92
93
91
7
4
8
7
7
7
6
6
6
7
8
7
93
96
92
93
93
93
94
94
94
93
92
93
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
95
4
1
1
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
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
96
95
96
95
95
95
90
97
89
93
91
88
94
4
4
3
3
–
4
10
2
6
5
3
4
2
(1)
–
–
–
–
(1)
–
(1)
4
–
4
5
2
(1)
–
–
–
–
(1)
–
1
1
–
2
2
2
Full time .................................................................
Part time ................................................................
95
88
4
10
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
80
96
6
4
10
(1)
4
(1)
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
91
97
94
94
94
7
2
4
4
5
–
1
2
1
(1)
–
(1)
1
(1)
(1)
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
89
88
90
6
–
5
4
7
4
1
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
96
90
92
82
97
82
3
8
5
16
1
13
(1)
1
–
–
–
–
(1)
1
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2015—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
94
98
99
99
98
92
97
98
99
98
97
97
98
96
93
100
6
1
1
1
2
–
3
–
–
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 ..........................................
95
94
97
94
94
94
4
5
3
4
4
3
–
–
–
1
1
2
–
–
–
1
1
1
96
96
95
95
96
92
96
92
92
93
95
93
96
3
3
2
4
4
–
3
4
4
4
5
7
3
1
–
1
(1)
–
–
–
3
3
–
–
–
–
1
–
1
(1)
–
–
–
1
2
–
–
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2015
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
25
64
5
5
1
57.8
60.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
26
27
25
24
–
27
22
28
21
20
22
22
21
62
60
63
69
74
63
67
62
71
74
70
67
72
6
6
5
5
–
5
4
5
4
3
–
–
3
6
6
6
–
–
5
5
5
3
3
4
5
4
(1)
(1)
1
–
–
1
2
1
1
1
–
–
–
57.7
57.4
57.9
57.9
59.3
57.7
58.1
57.6
57.9
58.1
58.1
58.0
58.2
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
Full time .................................................................
Part time ................................................................
25
24
64
64
5
–
5
7
1
–
57.8
58.2
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
30
25
61
65
6
5
2
5
1
1
57.5
57.8
60.0
60.0
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
21
25
24
27
27
72
67
66
61
59
4
4
5
6
7
–
4
5
6
6
–
1
1
1
1
58.0
57.6
58.1
57.7
57.9
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
21
–
22
66
84
63
7
–
8
6
–
–
1
2
–
58.4
58.8
58.4
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
26
19
19
11
22
39
64
71
72
80
73
31
4
4
–
–
–
20
5
5
5
5
2
–
1
(1)
–
–
–
–
57.7
58.3
57.9
59.1
58.2
58.4
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2015—continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
61 to 66
percent
Greater
than 67
percent
Mean fixed
percent of
annual
earnings
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
27
35
38
41
29
–
25
27
28
28
–
–
33
–
–
–
64
53
49
45
56
85
60
59
58
67
76
79
65
74
68
72
3
7
7
8
9
–
–
7
–
2
7
8
–
–
–
–
4
5
5
5
–
–
7
–
–
3
11
5
1
–
–
14
2
1
1
1
–
–
–
–
–
(1)
–
–
–
–
–
–
57.2
57.2
56.9
56.5
57.7
59.8
57.6
57.1
57.7
57.3
60.7
60.6
56.4
58.8
58.6
61.4
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
19
20
17
28
22
35
70
70
70
61
68
54
5
4
6
5
4
5
5
5
5
5
5
5
1
1
1
1
1
1
( )
58.6
58.5
58.7
57.4
58.0
56.8
60.0
60.0
60.0
60.0
60.0
60.0
25
27
24
26
28
22
26
20
22
17
29
30
29
66
63
67
65
64
70
66
69
69
69
55
59
53
3
6
–
4
4
–
4
5
5
5
9
8
10
6
3
7
4
4
4
–
5
4
7
6
–
8
1
1
–
1
1
–
–
1
(1)
1
1
–
1
57.9
57.8
58.0
57.3
57.3
57.4
57.2
58.5
58.1
59.2
57.7
57.3
57.9
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
67 percent
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
89
$3,000
$5,000
$8,000
–
$15,000
11
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
90
91
89
93
90
93
89
89
91
80
84
76
4,000
4,500
–
4,000
3,000
5,000
3,000
3,000
3,000
3,000
3,000
3,000
5,000
6,000
5,000
5,000
5,000
5,000
5,000
5,000
4,800
5,000
5,000
–
10,000
10,000
8,000
7,500
8,500
10,000
8,000
6,000
6,000
7,000
7,000
7,000
$12,500
15,000
12,000
10,000
12,500
15,000
12,000
10,000
10,000
10,000
10,000
10,000
17,300
20,833
15,000
12,500
20,000
20,833
20,000
15,000
12,500
15,000
15,000
12,500
10
9
11
7
10
7
11
11
9
20
16
24
Full time .................................................................
Part time ................................................................
89
89
3,000
–
5,000
5,000
8,000
7,500
–
–
15,000
15,000
11
11
Union .....................................................................
Nonunion ...............................................................
82
89
–
–
–
5,000
5,000
8,500
10,000
12,000
12,500
15,000
18
11
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
89
87
89
87
3,500
3,000
3,000
–
5,000
5,000
5,000
5,000
5,000
6,000
6,000
7,500
7,500
10,000
10,000
10,000
10,000
10,000
14,500
15,000
12,500
15,000
15,000
19,500
20,000
6
11
13
11
13
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
87
95
86
3,000
5,000
3,000
5,000
5,000
5,000
8,500
–
9,500
11,000
10,000
12,000
15,000
–
15,000
13
5
14
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
89
84
90
94
74
60
–
–
5,000
3,000
–
5,000
5,000
5,000
5,000
5,000
–
7,000
8,000
7,000
7,500
6,000
7,000
12,000
–
10,000
10,000
10,000
10,000
15,000
–
15,000
15,000
–
10,000
15,000
11
16
10
6
26
40
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2015—continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
92
90
89
94
77
85
90
78
94
90
87
96
$4,000
2,500
2,500
2,500
5,000
–
5,000
2,500
–
4,000
5,000
3,000
$4,000
6,000
7,000
6,000
8,000
6,000
6,000
5,000
5,000
5,000
5,000
5,000
$9,340
10,000
12,000
12,000
10,000
10,000
10,000
–
7,500
7,500
8,000
7,500
$12,000
20,000
20,833
20,833
16,000
15,000
15,000
–
10,000
10,000
10,000
10,000
$17,500
30,000
30,000
30,000
30,000
20,000
–
17,300
15,000
15,000
17,000
15,000
8
10
11
6
23
15
10
22
6
10
13
4
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
91
90
92
88
90
85
3,500
3,000
4,000
3,000
–
3,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,500
7,500
10,000
8,000
10,000
10,000
10,000
10,000
12,500
11,000
13,500
15,000
15,000
15,000
–
15,000
20,000
9
10
8
12
10
15
91
93
90
90
90
90
91
84
84
86
89
92
88
3,000
3,000
3,000
4,000
5,000
3,000
4,000
3,000
3,000
–
4,000
–
4,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
5,000
6,000
7,500
7,500
7,500
8,000
8,000
7,000
8,000
7,500
6,000
10,000
10,000
10,000
10,000
12,000
11,000
12,000
10,625
10,000
10,000
12,000
10,000
10,000
12,500
12,500
12,000
12,650
15,000
15,000
15,000
15,000
15,000
15,000
–
15,000
15,000
–
20,000
–
20,000
9
7
10
10
10
10
9
16
16
14
11
8
12
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2015
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
80
78
98
23
23
97
35
33
95
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
80
79
78
78
77
76
97
97
97
22
21
19
21
20
18
96
97
96
37
36
36
35
35
35
94
95
96
85
77
86
80
80
92
77
84
75
84
78
79
91
76
98
98
98
98
98
99
98
20
24
22
25
25
27
24
19
23
21
24
24
27
23
97
97
98
98
98
99
98
38
26
25
36
36
43
30
37
25
25
35
35
42
27
97
95
97
97
97
98
91
Full time .................................................................
Part time ................................................................
90
23
88
21
98
95
25
13
24
13
97
97
39
11
37
9
95
90
Union .....................................................................
Nonunion ...............................................................
86
74
85
72
98
97
28
19
27
18
98
96
34
35
33
33
96
94
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
63
48
84
83
89
89
61
46
82
82
87
86
97
96
98
98
97
96
20
14
24
25
24
27
19
14
23
24
24
27
97
98
96
97
98
98
28
21
35
38
39
31
26
20
33
36
37
30
95
98
94
95
96
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 .........................................
80
79
79
78
83
80
89
83
78
77
77
76
79
77
86
81
98
97
97
98
95
96
97
98
23
21
21
20
20
25
24
26
23
21
20
20
18
24
24
25
97
97
97
97
93
97
98
97
34
36
36
34
41
39
41
30
33
34
34
33
37
37
40
29
95
95
95
96
91
96
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 ..........................................
63
62
64
82
74
85
61
60
62
80
73
83
97
97
97
98
97
98
20
20
20
24
20
25
19
19
20
23
19
24
94
92
98
97
96
98
38
32
47
34
32
35
34
29
43
33
31
33
91
90
92
96
97
95
Worker characteristics
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 2015—continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
86
77
83
76
96
98
25
22
24
22
95
98
35
35
32
33
91
96
81
72
85
82
83
85
77
79
79
79
75
80
74
79
66
84
79
81
80
76
77
76
79
74
79
73
98
93
99
97
98
93
98
98
96
100
99
99
99
34
7
44
18
27
–
11
21
26
12
27
23
28
34
7
44
17
25
–
11
20
24
12
26
22
28
99
100
99
95
93
–
100
96
95
99
99
97
99
17
15
17
30
43
21
15
53
50
58
39
65
29
16
14
17
28
40
19
14
52
48
58
36
59
28
97
93
98
93
93
91
94
97
95
99
95
90
98
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
10
90
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
11
11
10
89
89
90
9
11
10
9
9
7
8
91
89
90
91
91
93
92
Full time .................................................................
Part time ................................................................
10
10
90
90
Union .....................................................................
Nonunion ...............................................................
9
12
91
88
Average wage within the following categories:1
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
11
9
10
10
12
89
91
90
90
88
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
10
10
10
9
12
10
90
90
90
91
88
90
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
8
6
11
12
10
93
92
94
89
88
90
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
required
Employee
contribution not
required
15
9
85
91
16
48
6
11
7
6
12
15
6
2
2
2
84
52
94
89
93
94
88
85
94
98
98
98
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2015
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
All workers .............................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
37
2
53
5
2
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
36
36
32
2
2
1
55
55
59
5
5
5
3
3
3
29
40
36
39
39
40
37
1
3
4
–
–
4
2
62
50
53
51
52
52
51
5
5
6
6
6
–
–
3
2
1
–
–
–
–
Full time .................................................................
Part time ................................................................
37
36
2
–
53
57
5
5
2
–
Union .....................................................................
Nonunion ...............................................................
33
42
2
2
57
50
8
2
1
4
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
39
47
40
39
32
34
1
–
2
3
2
3
54
49
50
48
59
59
3
–
5
7
6
4
3
2
3
3
1
(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 .........................................
37
38
36
31
51
49
45
36
2
2
1
1
–
–
–
3
53
54
55
61
40
46
51
52
5
4
4
4
5
3
–
7
2
3
3
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 ..........................................
30
26
37
38
40
37
2
–
–
2
–
2
60
61
59
52
55
52
3
–
–
5
4
6
4
–
–
2
–
3
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 2015—continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
State government ..................................................
Local government ..................................................
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
43
35
2
2
47
55
5
5
3
2
32
17
37
43
53
51
20
46
44
50
21
36
15
1
–
1
2
2
–
–
–
–
3
–
–
4
53
70
48
47
32
42
77
46
49
42
71
61
75
14
–
15
2
1
–
1
4
4
5
4
–
5
–
–
–
6
12
–
–
–
–
–
–
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
2 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not
meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2015
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
–
48
22
27
–
1.4
1.5
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
46
46
45
22
23
22
28
28
28
–
3
4
1.4
1.4
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
47
53
56
51
51
47
38
25
18
11
22
23
22
36
26
24
22
25
24
27
23
2
6
–
2
2
–
–
1.4
1.5
1.5
1.4
1.4
1.4
1.5
–
–
1.0
–
–
1.4
1.5
Full time .................................................................
Part time ................................................................
–
–
47
64
22
–
27
–
–
–
1.4
1.2
1.5
1.0
Union .....................................................................
Nonunion ...............................................................
–
–
56
41
28
17
11
39
–
–
1.4
1.5
1.0
1.5
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
47
41
51
51
43
43
22
–
20
19
26
24
30
–
27
27
23
–
–
–
2
–
–
10
1.4
1.5
1.4
1.4
1.5
1.5
1.5
1.5
–
–
1.5
1.5
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
48
47
44
43
44
61
59
56
22
21
21
26
–
20
–
19
27
30
32
30
–
–
–
18
–
2
2
1
5
–
–
–
1.4
1.4
1.5
1.4
1.5
1.3
1.3
1.4
1.5
1.5
1.5
1.5
–
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 ..........................................
–
–
–
–
–
–
56
47
66
47
43
49
–
–
–
22
26
20
–
–
–
28
26
28
–
–
–
–
5
–
1.4
1.5
1.2
1.4
1.5
1.4
–
–
1.0
1.5
1.5
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2015—continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
State government ..................................................
Local government ..................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
–
–
49
47
18
24
–
25
3
–
1.4
1.4
–
1.5
–
–
–
–
–
–
–
–
–
–
–
–
32
27
43
48
–
34
55
69
35
73
65
81
48
50
15
15
–
–
–
12
–
–
–
–
7
7
41
36
62
30
–
16
–
–
–
–
14
16
–
–
–
–
2
4
–
–
–
–
1.6
1.7
1.5
1.4
1.6
1.5
1.4
1.3
1.5
1.2
1.2
1.1
1.5
1.5
1.5
–
2.0
1.5
–
1.0
1.5
1.0
1.0
1.0
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, National
Compensation Survey, March 2015
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
52
$50,000
$50,000
$100,000
$250,000
$450,000
48
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 ...
53
53
50
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
100,000
250,000
250,000
200,000
400,000
400,000
350,000
47
47
50
44
54
49
49
49
48
46
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
–
–
–
100,000
100,000
–
250,000
–
–
–
–
–
250,000
500,000
–
500,000
500,000
400,000
450,000
56
46
51
51
51
52
54
Full time .................................................................
Part time ................................................................
52
50
50,000
50,000
50,000
50,000
100,000
–
250,000
–
500,000
–
48
50
Union .....................................................................
Nonunion ...............................................................
50
54
50,000
50,000
50,000
–
100,000
100,000
–
250,000
400,000
500,000
50
46
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
52
59
57
51
47
55
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
100,000
100,000
–
100,000
100,000
100,000
–
–
250,000
250,000
–
–
500,000
500,000
400,000
500,000
400,000
400,000
48
41
43
49
53
45
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
55
55
45
73
57
59
48
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
100,000
50,000
100,000
100,000
100,000
100,000
100,000
–
–
–
250,000
250,000
–
200,000
–
500,000
500,000
250,000
450,000
400,000
400,000
275,000
–
–
–
500,000
47
45
45
55
27
43
41
52
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
37
37
37
53
52
54
50,000
50,000
50,000
50,000
50,000
50,000
100,000
–
100,000
50,000
50,000
50,000
–
–
–
100,000
100,000
100,000
–
–
250,000
250,000
150,000
–
–
–
500,000
400,000
–
500,000
63
63
63
47
48
46
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, National
Compensation Survey, March 2015—continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
60
49
–
$50,000
$50,000
50,000
–
$100,000
–
$250,000
$500,000
400,000
40
51
34
54
31
55
40
57
48
47
75
74
–
50,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
–
40,000
–
40,000
–
–
50,000
–
50,000
50,000
50,000
50,000
100,000
50,000
100,000
200,000
–
–
150,000
–
–
100,000
–
–
250,000
280,000
250,000
400,000
–
150,000
–
–
–
350,000
–
–
–
500,000
250,000
300,000
–
66
46
69
45
60
43
52
53
25
26
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2015
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
$10,000
$20,000
$40,000
$50,000
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
5,000
5,000
–
10,000
10,000
10,000
20,000
20,000
25,000
41,116
41,116
50,000
50,000
50,000
50,000
–
5,000
5,000
5,000
5,000
–
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
40,000
36,225
30,000
30,000
30,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
–
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
–
50,000
25,000
50,000
50,000
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
10,000
–
20,000
15,000
20,000
20,000
25,000
–
25,000
25,000
30,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
5,000
5,000
5,000
–
5,000
5,000
5,000
5,000
10,000
10,000
10,000
10,000
–
10,000
10,000
10,000
20,000
20,000
20,000
–
20,000
20,000
20,000
20,000
40,000
41,116
45,000
50,000
25,000
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 ..........................................
–
10,000
–
5,000
10,000
5,000
10,000
10,000
–
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
30,000
30,000
–
40,000
37,500
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2015—continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
State government ..................................................
Local government ..................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$5,000
–
$5,000
10,000
$20,000
20,000
$25,000
50,000
$50,000
50,000
5,000
5,000
5,000
5,000
–
10,000
5,000
10,000
–
10,000
5,000
10,000
5,000
5,000
5,000
–
10,000
10,000
10,000
10,000
20,000
20,000
15,000
10,000
15,000
10,000
25,000
–
40,000
15,000
–
–
15,000
25,000
30,000
20,000
20,000
20,000
25,000
50,000
20,000
50,000
25,000
25,000
20,000
20,000
50,000
50,000
45,000
50,000
50,000
50,000
50,000
50,000
50,000
30,000
30,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
shown. The remaining percentiles follow the same logic.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
51
37
–
–
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
52
51
52
35
35
35
10
11
11
3
3
2
47
51
57
45
45
55
57
41
38
33
45
45
37
37
–
7
–
7
7
–
–
–
4
–
4
4
–
–
Full time .................................................................
Part time ................................................................
51
53
38
29
–
10
–
7
Union .....................................................................
Nonunion ...............................................................
43
61
41
32
–
2
–
4
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
52
47
55
48
51
46
40
40
36
41
33
41
–
–
6
8
15
–
–
–
2
3
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 .........................................
51
50
50
43
72
53
49
50
38
37
37
46
–
34
45
39
–
9
9
6
15
–
–
–
–
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 ..........................................
45
55
–
52
53
52
54
45
65
35
31
37
–
–
–
–
–
8
–
–
–
–
–
3
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
82
40
–
49
13
7
–
4
–
76
–
64
67
50
54
52
60
64
–
76
49
–
51
33
30
47
40
41
36
28
68
16
26
–
27
–
–
–
–
–
–
5
–
–
–
–
–
3
3
–
–
–
–
3
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Employer assumes all risks and expenses of providing the benefit.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using wage data for March 2015.
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/glossary20142015.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
13
87
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
11
12
10
89
88
90
11
15
15
16
14
6
89
85
85
84
86
94
Full time .................................................................
Part time ................................................................
13
12
87
88
Union .....................................................................
Nonunion ...............................................................
16
9
84
91
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
10
12
11
11
17
16
90
88
89
89
83
84
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 .........................................
13
11
9
8
8
24
18
87
89
91
92
92
76
82
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
13
21
11
87
79
89
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
required
Employee
contribution not
required
15
12
85
88
30
–
32
70
100
68
–
15
19
4
100
85
81
96
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South:
West South Central ..........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
3
–
86
9
–
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
–
–
–
87
87
86
8
7
5
2
2
3
–
2
–
1
1
–
17
–
–
–
–
–
–
–
86
87
79
86
85
86
73
3
10
–
10
11
9
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
3
–
–
–
86
87
9
8
–
–
Union .....................................................................
Nonunion ...............................................................
5
1
–
–
84
90
9
9
–
–
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
3
–
–
–
–
–
–
–
–
–
90
95
83
84
88
90
7
–
11
10
8
5
–
–
–
–
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 .........................................
3
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
86
89
89
90
85
86
89
83
9
6
4
3
11
14
11
13
–
2
2
2
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
3
–
3
–
–
–
–
–
–
94
94
94
85
84
86
–
–
–
10
12
9
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
–
4
–
–
81
88
18
5
–
–
3
–
4
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
94
88
94
85
83
91
75
75
76
88
91
87
1
–
1
–
–
–
18
18
–
8
–
8
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
wage data for March 2015.
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/glossary20142015.htm.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2015
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
83
13
22
26
26
52
17
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
81
79
77
13
13
13
22
22
22
26
26
26
–
–
52
52
52
52
19
21
23
74
86
86
81
81
88
78
13
13
–
–
–
–
–
22
24
25
21
21
24
22
26
26
26
26
26
26
26
52
26
26
26
26
26
–
52
52
52
52
52
52
52
26
14
14
19
19
12
22
Full time .................................................................
83
13
22
26
26
52
17
Union .....................................................................
Nonunion ...............................................................
77
89
–
13
24
21
26
26
26
–
52
52
23
11
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
85
87
83
77
63
13
–
–
–
–
21
22
24
22
25
26
26
26
26
26
–
26
–
26
26
52
52
52
52
52
15
13
17
23
37
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Public administration .........................................
83
80
78
74
89
94
86
13
13
–
13
25
13
–
22
22
22
22
26
20
24
26
26
26
26
26
26
26
26
–
–
52
26
26
26
52
52
52
52
52
52
52
17
20
22
26
11
6
14
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
82
88
81
13
12
–
22
20
22
26
26
26
26
26
–
52
52
52
18
12
19
State government ..................................................
Local government ..................................................
94
78
–
13
25
22
26
26
26
–
52
52
6
22
Establishment characteristics
See footnotes at end of table.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2015—continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
78
78
96
95
63
59
79
26
26
13
18
13
–
13
26
26
22
22
20
20
18
26
26
26
–
26
26
24
26
26
52
52
–
52
26
–
–
52
52
52
52
–
22
22
4
5
37
41
21
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
30
8
28
22
12
61.1
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
–
31
31
34
8
8
6
29
27
27
17
17
13
15
16
20
61.5
62.2
63.0
60.0
60.0
60.0
–
–
–
–
–
–
–
35
32
38
23
23
29
44
3
–
–
9
9
–
–
28
26
30
28
28
33
21
13
26
25
33
32
22
–
20
6
5
8
8
–
–
62.6
59.7
58.8
61.4
61.4
62.7
59.6
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
29
43
6
–
31
5
21
25
13
–
61.5
57.0
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
22
41
10
5
30
26
29
13
9
15
61.3
60.8
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
39
45
31
30
23
20
4
–
–
5
9
10
28
27
25
27
33
40
18
16
22
28
18
15
11
–
9
9
17
14
59.9
59.1
60.1
60.5
63.2
62.4
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 .........................................
–
–
–
–
–
–
–
–
30
32
33
37
20
23
23
27
8
11
11
4
28
14
22
–
28
25
24
27
15
32
31
30
22
16
14
16
8
26
–
34
12
16
18
16
–
–
–
5
61.1
61.9
62.3
61.4
67.1
59.9
59.3
60.3
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 ..........................................
–
–
–
–
–
–
43
55
–
29
31
28
–
–
–
9
–
9
34
–
45
28
35
26
–
–
–
22
19
22
–
–
–
13
7
15
57.1
55.8
59.1
61.6
58.8
62.3
60.0
50.0
60.0
60.0
60.0
60.0
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
–
17
35
20
3
36
26
12
25
14
11
62.5
60.5
60.0
60.0
–
–
–
–
–
–
–
–
–
–
19
20
49
59
–
37
42
18
–
21
–
–
–
–
–
–
–
27
–
36
26
25
26
20
53
25
25
36
39
35
47
48
6
6
–
19
–
–
27
–
6
4
19
15
–
18
17
–
–
–
62.2
61.7
61.0
58.5
62.7
62.2
61.2
59.0
65.6
57.0
66.0
66.0
60.0
50.0
60.0
60.0
60.0
60.0
60.0
58.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2015
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
72
$185
–
$692
$850
$1,662
28
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
74
73
75
185
185
185
$500
500
546
692
692
692
961
850
831
2,000
2,000
2,000
26
27
25
73
69
60
74
74
67
63
–
170
135
200
200
135
170
546
200
200
–
–
–
–
692
521
500
595
595
595
692
831
769
692
987
1,000
692
–
2,310
1,500
–
1,662
1,662
1,500
–
27
31
40
26
26
33
37
Full time .................................................................
Part time ................................................................
73
67
185
185
500
185
692
–
961
604
2,000
–
27
33
Union .....................................................................
Nonunion ...............................................................
79
64
170
–
200
595
546
692
850
917
1,662
2,000
21
36
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
68
64
71
77
73
76
200
–
185
170
170
170
500
500
200
–
–
–
692
692
595
692
604
831
769
–
–
–
831
831
–
2,000
1,662
2,000
–
–
32
36
29
23
27
24
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
72
72
73
71
65
66
71
185
185
185
–
170
170
170
–
500
500
500
521
–
200
692
692
692
692
961
987
595
917
850
831
831
–
1,500
–
–
2,000
2,000
–
2,000
2,000
1,662
28
28
27
29
35
34
29
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
66
55
73
68
74
–
–
170
170
185
500
–
–
–
–
692
–
692
692
692
–
1,662
850
–
831
1,662
–
2,000
2,308
1,662
34
45
27
32
26
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2015—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum weekly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
81
69
$135
200
$185
462
$595
692
–
$961
$1,662
2,000
19
31
87
88
73
79
33
30
80
82
170
170
500
500
–
500
135
135
200
200
625
692
–
692
185
185
584
546
692
692
–
1,000
–
–
831
831
692
692
–
2,000
1,662
–
850
831
2,000
2,000
2,308
2,308
2,500
2,000
13
12
27
21
67
70
20
18
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
Midwest .................................................................
East North Central .............................................
West ......................................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
18
19
22
82
81
78
24
17
18
18
19
76
83
82
82
81
Full time .................................................................
Part time ................................................................
17
21
83
79
Union .....................................................................
Nonunion ...............................................................
18
17
82
83
Average wage within the following categories:1
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
15
14
20
19
85
86
80
81
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Public administration .........................................
18
19
20
23
15
16
82
81
80
77
85
84
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
17
19
17
83
81
83
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
required
Employee
contribution not
required
18
17
82
83
7
8
6
5
25
38
8
93
92
94
95
75
62
92
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2015
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
96
3
–
–
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 ...
96
96
97
3
3
–
–
–
–
–
–
–
96
95
93
95
95
98
96
–
4
6
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
96
95
3
–
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
96
95
2
5
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
94
98
95
95
97
96
5
2
4
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 .........................................
96
96
96
97
95
95
95
93
4
3
3
–
–
–
–
6
–
–
–
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 ..........................................
92
91
93
96
97
96
6
5
–
3
–
3
2
–
–
–
–
–
–
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March
2015—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
89
98
–
1
–
–
–
–
97
100
97
97
98
89
100
93
91
96
97
100
94
–
–
–
–
–
–
–
6
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2015
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
17
44
22
12
5
60.7
60.0
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
15
16
16
41
39
36
26
26
26
12
12
14
6
7
8
60.9
60.9
61.2
60.0
60.0
60.0
17
21
20
16
17
19
13
32
47
51
50
49
43
56
27
17
14
18
18
21
–
16
10
–
15
16
–
–
8
5
–
1
1
–
–
61.3
60.4
60.4
60.3
60.3
60.1
61.6
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
15
41
45
21
23
13
12
–
4
–
60.8
58.9
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
21
13
43
45
12
31
16
9
7
2
60.5
60.8
60.0
60.0
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
16
18
15
13
20
18
41
39
47
46
42
47
26
25
22
24
19
18
–
–
12
13
12
10
–
–
4
3
8
6
60.8
60.7
60.7
61.3
60.2
59.8
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 .........................................
16
16
15
16
12
22
–
18
44
42
39
32
56
59
56
46
23
24
26
29
20
–
–
20
12
12
13
15
–
5
6
13
5
5
6
7
–
–
–
3
60.8
60.8
61.3
61.5
60.6
57.7
57.4
60.4
60.0
60.0
60.0
62.0
60.0
60.0
60.0
60.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
17
20
16
39
38
40
45
43
45
–
–
–
22
15
25
15
–
–
12
17
10
–
–
–
4
5
4
61.8
62.4
61.2
60.6
60.4
60.6
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2015—continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
11
18
53
41
24
22
–
13
–
5
60.8
60.7
60.0
60.0
7
9
9
8
–
–
30
46
–
–
–
14
60
62
47
37
60
79
37
19
61
44
–
52
–
–
37
50
–
–
11
11
–
22
25
20
20
18
–
–
–
–
11
13
8
22
33
–
–
–
–
–
–
–
11
12
–
–
–
–
61.8
61.4
60.7
61.2
58.9
59.5
59.5
58.2
61.4
62.0
63.4
60.8
60.0
60.0
60.0
62.0
60.0
60.0
60.0
60.0
60.0
60.0
66.0
60.0
67 percent
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2015
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
65
–
$3,900
$5,000
$6,000
$10,000
35
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
66
65
64
–
–
–
3,900
3,900
3,900
5,000
5,000
5,000
6,000
6,000
6,000
9,000
8,750
8,000
34
35
36
61
63
64
60
61
65
77
–
–
–
–
–
–
–
3,900
4,000
4,500
–
3,000
3,900
3,500
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,250
7,000
7,500
6,000
6,000
7,000
7,500
7,500
10,000
10,000
10,000
10,000
10,000
10,000
39
37
36
40
39
35
23
Full time .................................................................
Part time ................................................................
66
47
–
–
3,900
5,000
5,000
5,000
6,000
6,500
10,000
10,000
34
53
Union .....................................................................
Nonunion ...............................................................
61
69
$2,500
–
4,000
3,900
5,000
5,000
6,000
6,000
10,000
10,000
39
31
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
63
55
63
68
66
72
–
–
–
–
–
–
3,900
3,900
3,900
3,900
4,000
4,000
5,000
5,000
5,000
5,000
5,000
5,000
6,000
6,000
7,000
6,000
6,667
6,000
8,000
8,000
10,000
10,000
10,000
8,000
37
45
37
32
34
28
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
65
64
65
63
58
65
–
–
–
–
800
–
3,900
3,900
3,900
3,900
4,500
3,900
5,000
5,000
5,000
5,000
5,000
5,000
6,111
6,000
6,000
6,000
7,000
7,000
10,000
9,000
8,750
8,000
–
10,000
35
36
35
37
42
35
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
61
70
53
66
58
68
3,000
3,000
–
–
–
–
3,900
3,900
–
3,900
4,400
3,900
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,000
6,500
7,000
6,000
6,000
–
10,000
10,000
10,000
39
30
47
34
42
32
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2015—continued
(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum monthly benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
59
67
–
–
–
$3,900
$5,000
5,000
$7,000
6,000
$10,000
9,400
41
33
82
82
85
84
50
46
56
53
59
–
–
$800
800
3,500
3,000
3,500
3,000
–
4,000
–
–
–
5,000
4,500
5,000
5,000
4,500
5,000
5,000
3,900
3,900
5,000
5,000
5,000
5,000
5,000
6,500
7,000
6,000
5,000
6,500
7,500
5,250
6,000
6,000
10,000
10,000
9,000
8,000
9,400
10,000
7,500
10,000
10,000
18
18
15
16
50
54
44
47
41
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Pacific ................................................................
1 The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2015.
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/glossary20142015.htm.