Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2014
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
60
59
97
37
36
97
34
33
97
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
86
75
74
77
86
74
72
99
99
98
98
45
61
39
22
45
59
39
22
98
98
99
98
53
62
49
40
51
60
47
38
97
98
96
96
82
76
34
70
59
46
66
60
80
75
33
67
57
44
64
59
98
99
94
96
97
95
98
98
20
37
21
26
37
29
42
39
20
36
20
25
36
27
40
38
98
99
95
96
96
95
97
99
40
51
13
22
34
21
41
29
39
49
12
21
33
19
40
28
98
96
97
97
96
93
97
97
53
66
66
74
59
52
65
64
72
57
98
98
97
97
97
34
43
46
53
39
33
42
44
53
37
99
98
98
99
96
22
35
31
35
28
21
34
30
34
27
97
96
97
97
97
Full time .................................................................
Part time ................................................................
75
14
74
12
98
88
45
14
44
13
98
91
43
6
42
5
97
95
Union .....................................................................
Nonunion ...............................................................
86
56
84
54
98
97
49
35
48
35
97
98
37
34
36
32
96
97
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
26
14
62
76
86
89
23
12
61
75
84
88
91
88
98
98
99
99
17
13
37
47
53
57
16
11
36
46
52
57
92
92
97
98
99
99
9
3
31
45
58
61
9
3
30
43
56
59
96
96
97
96
97
98
Goods-producing industries ...................................
73
71
97
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
68
76
76
83
63
87
83
57
67
74
75
80
61
85
81
97
98
98
98
97
98
98
99
35
29
25
22
31
31
46
26
34
28
25
21
30
31
46
25
97
98
98
99
97
98
99
98
34
39
41
35
55
37
60
30
32
37
39
34
52
36
57
29
97
96
95
97
94
97
96
96
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 2014—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
55
78
71
85
40
35
53
76
68
84
97
97
96
98
97
98
28
26
36
46
43
48
28
25
35
44
41
47
97
97
98
98
97
98
23
20
31
44
38
51
22
20
30
43
36
49
97
97
98
96
97
96
59
59
59
63
62
65
64
63
65
60
54
58
52
58
57
58
61
60
63
61
61
63
59
53
57
51
99
98
99
96
97
96
95
97
97
98
98
97
98
61
39
69
31
34
30
27
37
40
32
26
29
25
60
38
69
30
33
28
26
36
39
31
25
28
24
99
98
99
96
96
95
97
96
96
97
98
99
98
33
35
33
33
35
33
31
38
38
39
31
37
28
32
34
32
32
33
32
31
37
37
38
30
35
28
97
98
97
96
96
96
97
97
97
98
96
94
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 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 ECEC data for March 2014.
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2014
(All workers with basic life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
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
5
5
9
95
95
95
91
9
2
9
9
6
9
5
6
91
98
91
91
94
91
95
94
4
7
4
5
4
96
93
96
95
96
Full time .................................................................
Part time ................................................................
6
6
94
94
Union .....................................................................
Nonunion ...............................................................
5
6
95
94
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
9
8
6
5
5
5
91
92
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
6
9
9
3
2
10
94
94
91
91
97
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 2014—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
7
6
5
5
5
93
93
94
95
95
95
5
9
3
7
6
12
6
5
6
4
5
7
3
95
91
97
93
94
88
94
95
94
96
95
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2014
(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
38
3
1
63
70
60
41
2
2
2
1
32
25
35
52
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
71
47
38
62
60
62
39
1
2
1
3
2
2
2
1
58
25
48
54
34
34
34
55
4
–
3
5
2
3
2
4
2
–
1
1
1
1
(2)
(2)
25
49
49
47
50
–
1
1
1
2
69
45
44
46
43
3
4
5
6
4
–
(2)
(2)
(2)
(2)
Full time .................................................................
Part time ................................................................
57
53
2
1
38
40
3
4
1
1
Union .....................................................................
Nonunion ...............................................................
38
62
2
2
51
34
9
1
1
1
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
50
40
54
55
63
65
1
–
1
2
2
3
47
56
41
39
31
29
2
3
3
3
3
2
1
–
1
1
1
(2)
Goods-producing industries ...................................
48
1
46
5
(2)
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
59
54
43
34
60
63
78
36
2
1
1
1
2
1
2
3
36
41
50
59
33
34
17
53
3
2
4
4
3
1
2
7
1
1
2
3
1
(2)
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 2014—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
48
47
51
61
59
62
1
1
(2)
2
2
3
48
49
47
33
36
30
2
2
2
3
3
4
1
1
(2)
1
(2)
1
62
65
61
58
62
56
51
54
53
58
53
57
51
–
2
–
1
2
–
–
2
2
1
2
2
–
31
31
32
37
31
40
46
40
42
37
43
41
43
4
2
5
2
2
2
2
4
3
4
2
–
3
–
–
–
2
3
–
–
(2)
(2)
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 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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2014
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
All workers .............................................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
1
61
12
22
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
–
–
57
56
58
52
12
10
14
22
25
27
23
23
5
6
–
–
1.4
1.4
1.4
1.4
1.0
1.0
1.0
–
–
–
1
–
(3)
–
(3)
1
52
76
65
60
65
77
61
63
25
10
13
13
10
7
11
12
22
13
18
19
20
13
23
22
1
–
3
8
4
–
5
3
1.4
1.2
1.3
1.4
1.3
1.2
1.4
1.3
–
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
1
1
–
1
61
63
62
57
67
14
11
14
13
15
23
22
21
26
15
2
3
3
–
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)
1
60
74
12
11
23
10
4
5
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
1
(3)
64
61
16
11
14
24
5
4
1.3
1.4
1.0
1.0
Average wage within the following categories4:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
(3)
1
1
70
68
66
58
57
55
9
–
12
13
12
11
18
–
18
24
25
26
–
–
3
4
6
6
1.3
1.3
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
–
53
11
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
–
–
–
1
1
–
62
63
48
46
50
71
74
56
12
15
20
26
14
12
12
19
21
20
27
26
28
16
12
19
4
2
–
2
–
1
1
–
1.3
1.3
1.4
1.4
1.4
1.2
1.2
1.4
1.0
1.0
–
1.5
–
1.0
1.0
1.0
Worker characteristics
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 2014—continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
–
–
–
1
(3)
1
59
62
54
62
64
60
12
11
14
12
10
13
23
21
28
22
22
22
–
–
–
4
5
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
–
–
(3)
–
–
–
–
–
–
1
–
1
57
64
55
64
65
60
64
57
59
52
66
71
63
17
16
18
9
10
9
9
13
12
15
9
14
7
19
17
20
23
22
26
24
26
25
27
19
13
23
5
–
–
3
–
–
–
–
–
–
5
–
6
1.4
1.3
1.4
1.3
1.3
1.4
1.3
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014
(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
$60,000
$200,000
25
75
80
73
63
50,000
50,000
50,000
50,000
100,000
100,000
–
50,000
300,000
300,000
300,000
–
700,000
750,000
500,000
–
1,000,000
–
1,000,000
500,000
25
20
27
37
54
70
72
55
79
82
78
69
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
–
–
–
400,000
200,000
100,000
200,000
100,000
200,000
200,000
–
–
500,000
280,000
500,000
500,000
500,000
–
–
1,000,000
1,000,000
–
1,000,000
1,000,000
–
2,000,000
46
30
28
45
21
18
22
31
64
71
68
63
74
50,000
50,000
50,000
50,000
50,000
100,000
–
75,000
100,000
70,000
170,000
–
–
250,000
100,000
–
1,000,000
500,000
500,000
–
1,000,000
2,000,000
1,000,000
1,000,000
–
36
29
32
37
26
Full time .................................................................
Part time ................................................................
75
71
50,000
50,000
–
–
200,000
–
500,000
500,000
1,000,000
750,000
25
29
Union .....................................................................
Nonunion ...............................................................
61
77
50,000
50,000
50,000
70,000
100,000
250,000
350,000
500,000
1,000,000
1,000,000
39
23
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
73
79
77
75
74
76
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
100,000
100,000
–
–
150,000
200,000
300,000
300,000
500,000
–
500,000
500,000
750,000
750,000
1,000,000
–
1,000,000
1,000,000
1,500,000
1,500,000
27
21
23
25
26
24
Goods-producing industries ...................................
66
50,000
100,000
300,000
700,000
1,000,000
34
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 .........................................
76
72
64
49
79
76
72
49
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
50,000
200,000
200,000
100,000
100,000
–
250,000
400,000
100,000
500,000
500,000
265,000
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
24
28
36
51
21
24
28
51
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014—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)
80
81
76
73
78
69
$50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
$50,000
50,000
100,000
$200,000
200,000
200,000
–
200,000
300,000
73
72
73
77
74
87
78
68
67
70
81
86
77
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
–
–
–
–
100,000
100,000
–
50,000
–
50,000
200,000
–
250,000
200,000
250,000
–
200,000
250,000
250,000
250,000
200,000
–
200,000
75th
percentile
90th
percentile
$500,000 $1,000,000
500,000 1,000,000
500,000
–
500,000 1,000,000
500,000 1,000,000
750,000 1,000,000
With no
maximum
benefit
amount
20
19
24
27
22
31
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
–
–
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
27
28
27
23
26
13
22
32
33
30
19
14
23
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2014
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$30,000
$50,000
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10,000
10,000
–
–
15,000
15,000
–
10,000
25,000
25,000
24,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
5,000
–
5,000
–
10,000
10,000
–
10,000
10,000
10,000
10,000
10,000
10,000
25,000
–
15,000
15,000
20,000
15,000
20,000
20,000
50,000
50,000
25,000
25,000
25,000
–
30,000
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
20,000
20,000
20,000
20,000
20,000
25,000
30,000
27,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
5,000
10,000
–
20,000
15,000
30,000
25,000
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 categories4:
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
15,000
10,000
20,000
20,000
25,000
–
25,000
20,000
25,000
30,000
50,000
50,000
30,000
25,000
50,000
50,000
50,000
50,000
Goods-producing industries ...................................
10,000
15,000
20,000
30,000
50,000
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
5,000
–
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
15,000
20,000
20,000
30,000
40,000
45,000
50,000
27,500
25,000
25,000
30,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 civilian workers,2
National Compensation Survey, March 2014—continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
10,000
10,000
5,000
10,000
5,000
–
–
–
$10,000
10,000
10,000
$20,000
20,000
20,000
20,000
20,000
20,000
$27,000
–
30,000
–
25,000
40,000
$50,000
50,000
50,000
50,000
50,000
50,000
5,000
5,000
5,000
–
10,000
10,000
5,000
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
20,000
50,000
40,000
50,000
25,000
25,000
–
25,000
30,000
25,000
–
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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured2
Commercially
insured
Legally
required
Other
44
39
17
1
48
51
46
44
38
39
38
38
12
10
14
16
1
1
2
2
41
55
30
38
46
47
46
40
42
32
35
41
36
34
36
46
14
12
35
19
18
–
17
13
3
2
1
1
1
–
1
2
31
45
43
39
48
47
45
43
50
34
18
–
13
10
17
4
–
1
1
1
Full time .................................................................
Part time ................................................................
44
36
40
20
14
42
1
1
Union .....................................................................
Nonunion ...............................................................
44
43
37
39
16
17
3
1
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
31
30
40
45
49
50
34
–
42
40
37
36
34
48
17
14
12
12
1
–
1
1
2
2
Goods-producing industries ...................................
39
49
10
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 .........................................
45
40
45
38
62
37
55
50
36
38
37
45
24
39
29
38
18
20
14
11
–
23
15
9
1
2
4
6
–
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 ..................
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2014—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
30
29
32
51
44
57
42
38
49
37
44
31
28
32
19
–
10
10
(4)
(4)
(4)
–
1
2
25
50
20
53
52
47
58
55
54
58
48
45
49
27
48
23
47
48
52
42
42
42
42
43
54
37
47
–
57
–
–
–
–
–
–
–
9
–
13
1
–
(4)
–
(4)
–
–
3
4
–
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 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector,
except the federal government. See Technical Note for further explanation.
2 Employer assumes all risks and expenses of providing the benefit.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using ECEC data for March 2014.
4 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/glossary20132014.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
17
83
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 ..................
12
10
14
11
88
90
86
89
10
15
37
21
17
22
16
16
90
85
63
79
83
78
84
84
18
14
15
12
20
82
86
85
88
80
Full time .................................................................
Part time ................................................................
16
37
84
63
Union .....................................................................
Nonunion ...............................................................
17
18
83
82
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
38
48
18
15
12
11
62
52
82
85
88
89
Goods-producing industries ...................................
12
88
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
19
19
8
7
8
25
18
18
81
81
92
93
92
75
82
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
2014—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
26
28
21
13
14
12
74
72
79
87
86
88
39
5
46
6
6
7
5
7
7
8
9
12
61
95
54
94
94
93
95
93
93
92
91
88
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 24. Short-term disability plans: Method of benefit payment, civilian workers,1
National Compensation Survey, March 2014
(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
1
1
1
–
1
1
1
–
69
60
75
87
28
37
22
6
1
(2)
1
2
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
2
5
–
3
3
2
16
–
–
3
1
1
–
1
–
87
85
86
81
68
67
69
59
4
11
6
15
28
29
27
20
–
–
(2)
–
(2)
–
(2)
–
29
7
14
17
11
–
–
4
–
–
58
60
67
60
77
8
29
14
17
10
–
–
1
–
–
Full time .................................................................
Part time ................................................................
6
3
2
1
68
86
23
9
1
1
Union .....................................................................
Nonunion ...............................................................
16
3
6
1
64
71
13
24
1
1
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
5
–
7
6
4
2
3
3
1
3
2
1
81
89
74
70
63
64
9
5
18
21
30
32
1
–
(2)
(2)
1
1
Goods-producing industries ...................................
16
5
58
21
1
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
3
3
3
–
1
3
–
2
1
(2)
–
–
–
–
–
–
73
88
87
90
83
89
85
84
22
7
7
4
15
7
11
12
1
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 2014—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
5
–
–
–
2
2
2
75
75
75
67
69
66
18
18
17
25
22
26
–
–
–
1
(2)
1
3
5
3
6
5
7
5
10
11
9
3
4
2
1
–
(2)
3
–
–
2
3
3
–
2
–
2
82
69
85
64
67
65
55
61
62
57
70
71
69
14
25
11
28
25
22
38
25
24
28
24
24
24
(2)
–
(2)
2
( )
–
–
–
1
(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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 25. Short-term disability plans: Duration of benefits, civilian workers,1 National Compensation
Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
92
12
21
26
26
26
8
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
90
91
90
83
12
12
12
12
18
18
18
21
26
26
26
26
26
26
26
26
26
26
26
52
10
9
10
17
78
95
95
92
92
91
93
90
13
12
12
12
12
11
12
13
21
18
26
25
20
13
21
24
26
26
26
26
26
26
26
26
–
26
26
26
26
26
26
26
52
26
–
26
26
26
26
36
22
5
5
8
8
9
7
10
94
87
92
91
93
13
13
13
13
13
24
24
25
21
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
6
13
8
9
7
Full time .................................................................
Part time ................................................................
91
95
12
–
20
26
26
26
26
26
26
–
9
5
Union .....................................................................
Nonunion ...............................................................
87
93
13
12
26
18
26
26
26
26
52
26
13
7
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
95
97
94
92
89
88
12
–
12
12
12
12
24
26
21
20
22
21
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
5
3
6
8
11
12
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 .................
Hospitals ....................................................
Public administration .........................................
92
92
84
78
90
97
94
86
12
12
13
13
14
12
12
–
21
20
22
21
26
18
20
24
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
26
26
26
52
52
26
26
26
52
8
8
16
22
10
3
6
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 2014—continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
94
95
94
90
92
88
12
12
12
12
12
13
18
21
13
22
18
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
6
5
6
10
8
12
93
93
93
94
94
94
92
88
87
89
92
94
13
12
24
12
12
11
12
12
13
12
11
12
26
13
26
13
–
12
–
18
18
13
13
20
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
36
26
26
26
26
26
26
26
7
7
7
6
6
6
8
12
13
11
8
6
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 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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2014
(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
19
2
39
26
13
62.5
60.0
1
–
1
–
18
15
19
29
2
–
2
4
41
42
41
30
22
23
22
14
16
18
15
23
63.6
64.6
63.1
64.4
60.0
60.0
60.0
60.0
–
1
–
–
1
–
1
1
33
19
27
37
20
19
20
19
3
2
–
–
1
–
1
1
29
54
32
24
38
37
38
43
17
17
32
30
27
26
27
27
19
7
5
5
13
15
12
10
62.8
60.2
60.3
58.6
62.5
63.0
62.3
61.9
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
2
–
–
19
18
16
16
17
–
–
1
–
–
34
49
43
41
45
34
22
25
25
25
–
9
13
14
11
63.1
61.1
62.6
62.0
63.1
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
19
23
1
–
41
26
24
37
13
7
62.6
61.6
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
1
1
21
19
5
1
32
41
31
24
11
13
61.8
62.7
60.0
60.0
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
2
–
2
1
1
–
22
23
19
21
16
17
3
4
1
2
2
–
35
30
40
38
42
40
32
39
27
25
22
19
6
4
11
13
17
21
60.8
61.2
62.0
62.3
64.0
65.0
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
2
13
1
42
24
17
63.6
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
1
(3)
–
–
–
1
1
–
21
27
32
37
24
24
22
28
2
3
7
3
12
1
3
–
39
39
28
30
25
45
50
30
26
17
12
14
9
20
17
34
12
13
22
16
31
9
7
5
62.3
61.5
63.6
61.2
68.3
60.4
60.1
60.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60 percent
61 to 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
All workers .............................................................
51 to 59
percent
Mean fixed
percent of
annual
earnings
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 26. Short-term disability plans: Fixed percent of annual earnings, civilian workers,1 National Compensation
Survey, March 2014—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
–
–
1
1
1
22
24
19
18
12
22
–
–
–
2
1
3
37
33
45
41
48
35
30
33
25
23
24
21
8
8
9
15
14
17
61.6
61.5
61.8
63.1
63.0
63.3
60.0
60.0
60.0
60.0
60.0
60.0
1
–
1
2
–
–
–
–
–
–
1
–
1
28
7
31
17
19
16
10
13
14
10
11
–
13
1
–
1
(3)
–
–
–
–
–
–
10
–
15
24
57
19
53
51
54
57
46
46
45
46
59
40
39
12
43
12
11
10
15
22
22
21
19
18
20
8
22
5
16
15
–
17
18
16
22
12
15
11
61.7
65.6
61.0
62.7
61.7
64.1
64.2
64.2
63.5
66.2
62.2
63.9
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
60.0
60 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
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 ECEC data for March 2014.
3 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/glossary20132014.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum weekly benefit amount2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
75
$170
$315
$595
$1,154
$2,309
25
70
71
70
74
170
170
170
170
500
500
500
500
750
917
700
692
1,662
1,500
1,662
1,000
2,500
2,500
2,500
1,662
30
29
30
26
73
59
84
71
77
79
76
76
170
201
170
135
170
170
170
170
500
500
–
–
250
–
250
500
692
1,000
546
–
595
584
595
584
831
2,307
595
692
1,500
1,666
1,385
1,000
–
2,800
1,500
–
2,500
4,615
2,500
–
27
41
16
29
23
21
24
24
73
77
72
67
77
170
200
170
170
170
–
500
300
250
475
546
600
500
500
500
600
1,200
600
750
595
1,250
2,000
1,500
1,500
1,500
27
23
28
33
23
Full time .................................................................
Part time ................................................................
73
85
170
170
350
200
595
500
1,385
595
2,400
750
27
15
Union .....................................................................
Nonunion ...............................................................
78
74
170
170
200
350
500
595
831
1,300
1,500
2,400
22
26
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
84
93
75
73
72
70
170
170
170
170
170
170
–
–
315
275
500
500
559
546
584
584
700
831
595
595
1,000
1,153
1,662
2,000
1,385
921
2,300
2,300
2,500
3,000
16
7
25
27
28
30
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 .................
Hospitals ....................................................
Public administration .........................................
76
70
69
72
62
70
60
72
170
170
170
170
170
170
170
170
315
300
–
500
185
300
–
200
595
595
692
692
595
595
750
595
1,250
1,100
1,000
831
1,153
1,250
2,307
–
2,350
2,310
2,000
–
2,000
2,500
2,500
1,662
24
30
31
28
38
30
40
28
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 27. Short-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014—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
84
84
82
69
72
66
$170
170
170
170
170
170
–
–
$300
–
450
–
$561
561
559
600
650
595
$1,000
750
1,000
1,500
1,500
1,500
$1,800
1,500
2,308
2,500
2,500
2,500
16
16
18
31
28
34
87
67
91
70
74
63
66
53
53
54
79
75
81
170
315
170
315
315
315
300
215
215
200
185
–
170
170
500
170
500
500
500
500
450
–
450
500
–
–
559
1,000
559
–
1,000
1,000
692
750
750
–
1,000
1,500
–
595
1,000
595
1,500
1,750
1,500
1,500
1,250
1,250
1,385
2,076
2,300
2,076
–
2,309
1,000
2,500
2,500
2,800
2,650
2,500
2,500
–
2,500
2,500
2,500
13
33
9
30
26
37
34
47
47
46
21
25
19
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2014
(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
7
10
18
91
93
90
82
21
7
10
16
7
8
7
10
11
6
6
5
79
93
90
84
93
92
93
90
89
94
94
95
Full time .................................................................
Part time ................................................................
8
7
92
93
Union .....................................................................
Nonunion ...............................................................
12
7
88
93
Average wage within the following categories2:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
9
7
8
8
9
91
93
92
92
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 .........................................
8
11
17
21
13
6
8
17
92
89
83
79
87
94
92
83
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2014—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
6
5
8
9
7
11
94
95
92
91
93
89
6
6
6
7
7
7
5
10
11
8
10
7
94
94
94
93
93
93
95
90
89
92
90
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 29. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2014
(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
3
1
1
97
96
97
97
3
4
3
2
(2)
(2)
–
–
(2)
(2)
–
–
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
97
98
95
94
95
90
97
91
–
1
3
5
4
9
2
5
–
–
–
–
(2)
–
(2)
2
–
–
–
–
(2)
–
(2)
2
87
93
92
91
94
6
4
2
2
2
–
1
4
6
2
–
2
2
2
2
Full time .................................................................
Part time ................................................................
95
89
3
8
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
86
97
5
3
6
(2)
3
(2)
Average wage within the following categories3:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
95
96
94
95
95
4
3
3
3
4
–
1
2
1
(2)
–
1
1
(2)
(2)
Goods-producing industries ...................................
91
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
98
97
97
96
98
98
93
3
2
2
–
4
1
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 2014—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
95
95
96
95
95
95
4
4
4
3
3
3
–
–
–
1
1
1
–
–
–
1
1
1
95
97
95
96
96
93
97
94
92
96
95
94
96
3
2
3
3
3
6
–
3
4
2
4
5
3
1
–
–
–
–
–
–
2
3
–
1
–
1
1
–
–
–
–
–
–
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2014
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
24
60
8
6
1
58.2
60.0
25
25
24
13
57
60
55
48
9
7
11
20
7
7
8
13
2
1
2
6
58.2
57.9
58.4
61.1
60.0
60.0
60.0
60.0
15
46
25
20
25
21
26
22
40
47
61
56
62
69
60
64
23
4
8
12
7
4
7
9
15
–
5
–
6
–
6
4
7
–
2
–
1
–
1
1
61.3
54.8
58.2
59.7
58.1
57.9
58.1
58.2
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
27
19
20
20
19
56
68
69
67
72
–
6
5
–
–
–
5
6
6
5
–
2
1
–
–
57.6
58.5
58.5
58.5
58.5
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
24
30
61
53
8
6
6
9
1
2
58.2
57.9
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
27
23
50
62
9
8
10
6
4
1
58.9
58.1
60.0
60.0
Average wage within the following categories2:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
25
23
23
25
25
65
63
60
58
58
6
8
9
8
8
4
5
7
7
7
1
1
1
2
1
57.7
58.1
58.4
58.3
58.1
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
20
67
7
6
(3)
58.5
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 .................
Hospitals ....................................................
Public administration .........................................
25
26
13
16
9
35
48
18
59
57
50
37
69
62
46
44
8
9
20
26
13
2
3
22
6
6
12
16
6
–
–
13
1
2
5
6
3
–
–
3
58.2
58.1
61.0
61.4
60.4
56.1
54.8
60.5
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, civilian workers,1 National
Compensation Survey, March 2014—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
20
21
18
26
19
31
67
66
67
57
67
51
6
6
7
9
6
11
6
5
6
7
6
7
1
1
2
1
1
1
58.5
58.4
58.8
58.1
58.5
57.8
60.0
60.0
60.0
60.0
60.0
60.0
23
23
23
25
26
23
24
24
28
15
24
21
25
65
67
64
61
56
65
69
61
59
67
53
54
52
4
4
3
9
13
–
4
6
6
6
13
15
11
7
5
8
4
4
6
2
6
5
9
10
–
10
1
1
1
1
1
–
1
3
2
3
1
–
1
58.4
58.0
58.5
57.6
57.7
57.7
57.3
58.6
57.9
59.8
58.8
59.2
58.6
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 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 ECEC data for March 2014.
3 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/glossary20132014.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014
(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
85
88
83
72
3,500
4,000
3,000
–
5,000
6,000
5,000
3,900
7,500
10,000
7,000
5,000
10,000
15,000
10,000
7,000
15,000
20,000
15,000
10,000
15
12
17
28
67
90
83
72
87
92
86
83
–
4,000
3,000
–
3,000
5,000
2,500
3,000
3,900
5,000
5,000
–
5,000
5,000
5,000
5,000
5,000
7,500
6,000
5,000
8,000
7,500
8,000
6,000
6,000
10,000
10,000
8,000
12,000
15,000
11,000
10,000
8,000
15,000
13,000
10,000
20,000
20,000
20,000
15,000
33
10
17
28
13
8
14
17
75
88
81
82
79
3,000
3,000
–
3,000
–
5,000
4,800
5,000
5,000
3,000
6,000
6,000
6,000
7,000
6,000
10,000
10,000
10,000
10,000
10,000
15,000
13,500
15,000
15,000
–
25
12
19
18
21
Full time .................................................................
Part time ................................................................
85
81
3,000
2,500
5,000
5,000
7,500
7,000
10,000
10,000
15,000
15,000
15
19
Union .....................................................................
Nonunion ...............................................................
74
87
–
3,000
3,200
5,000
5,000
7,500
7,500
10,000
10,000
15,000
26
13
Average wage within the following categories3:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
86
86
84
85
84
3,000
2,500
3,000
3,000
4,000
5,000
5,000
5,000
5,000
5,000
6,000
7,000
7,000
8,000
10,000
10,000
10,000
10,000
12,000
15,000
15,000
15,000
15,000
16,000
20,000
14
14
16
15
16
Goods-producing industries ...................................
84
3,000
5,000
7,500
10,000
15,000
16
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
84
72
67
79
92
90
67
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
6,000
7,500
5,000
10,000
10,000
7,500
6,000
10,000
10,000
10,000
6,500
15,000
15,000
10,000
8,000
14,500
15,000
15,000
10,000
15
16
28
33
21
8
10
33
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014—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
90
87
83
86
80
$3,000
3,000
4,000
–
3,000
2,500
$5,000
5,000
5,000
5,000
5,000
5,000
$7,000
6,000
7,500
7,500
7,500
8,000
$10,000
10,000
10,000
10,000
10,000
12,000
$15,000
15,000
15,000
15,000
15,000
16,667
11
10
13
17
14
20
89
94
88
88
88
89
89
78
79
78
83
81
84
2,800
3,000
2,500
3,000
2,500
3,000
–
3,000
3,000
3,200
3,000
–
3,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
7,500
7,000
7,500
8,000
7,000
7,500
6,000
6,000
7,000
9,000
7,500
10,000
11,000
11,000
12,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,500
12,000
10,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
16,666
18,000
20,000
17,300
11
6
12
12
12
11
11
22
21
22
17
19
16
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2014
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
57
55
97
40
39
97
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 ..................
78
87
73
27
48
57
46
64
57
77
86
72
26
42
55
44
62
55
99
99
99
93
89
97
95
98
98
54
65
48
20
33
38
29
44
40
53
64
48
19
31
37
27
43
39
99
98
99
95
95
96
95
97
99
59
65
55
10
17
34
21
42
27
57
64
53
10
17
32
19
41
26
97
98
97
98
98
96
93
97
96
48
64
66
74
58
47
63
63
71
56
98
98
97
97
97
34
44
47
54
40
34
43
46
53
38
99
98
98
99
96
18
34
31
35
28
18
33
30
34
27
97
96
97
97
97
Full time .................................................................
Part time ................................................................
72
13
71
11
98
87
49
15
48
13
98
91
44
5
43
5
97
96
Union .....................................................................
Nonunion ...............................................................
86
54
84
53
98
97
68
37
66
36
96
98
41
33
39
32
96
97
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
22
13
58
73
84
89
20
11
57
71
84
89
89
87
97
98
99
99
16
12
37
50
62
67
15
11
36
50
61
66
92
93
97
98
99
99
7
3
29
45
63
69
7
3
28
43
61
67
96
95
97
97
97
98
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
73
45
83
71
44
81
97
97
97
54
29
63
53
29
62
99
100
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
69
43
76
96
52
53
68
40
74
95
97
95
99
92
97
99
37
36
50
26
48
51
36
34
50
24
45
51
97
95
99
91
94
100
33
26
44
15
37
85
32
25
42
14
35
81
97
95
95
93
96
95
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 2014—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
82
90
93
86
58
57
72
34
62
66
86
61
19
18
34
88
82
89
93
85
56
56
72
32
61
66
86
60
18
16
34
100
99
99
99
99
98
98
99
94
99
100
100
98
91
89
98
79
65
73
72
70
39
44
55
26
34
43
50
32
16
17
27
77
64
72
71
69
39
43
54
25
33
43
50
32
15
16
26
98
99
99
99
99
99
97
98
96
99
100
99
98
94
94
96
68
66
75
80
70
36
43
60
19
40
60
82
37
5
3
17
67
63
72
77
67
34
42
59
19
39
58
79
36
5
3
17
98
96
96
97
96
96
98
98
98
97
96
97
97
100
100
99
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
40
35
55
77
70
86
39
34
52
75
68
85
97
97
96
98
97
99
29
26
37
53
46
62
28
25
36
52
45
61
97
97
98
97
97
98
22
20
30
48
38
61
22
19
29
46
37
58
98
97
98
97
97
96
56
56
55
60
58
60
62
61
62
57
50
55
48
55
56
54
57
56
58
58
59
61
55
49
54
47
99
99
99
96
97
97
95
97
97
98
98
97
98
65
44
73
34
35
36
30
40
42
35
26
30
24
65
43
73
33
34
34
29
39
41
34
25
30
23
99
98
99
96
96
95
97
96
96
96
98
99
98
36
38
35
34
33
36
35
36
36
36
30
33
28
35
37
34
33
32
35
34
35
35
35
29
32
27
97
99
97
97
96
97
97
97
97
97
96
95
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 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 ECEC data for March 2014.
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 17. Life insurance plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2014
(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 ...
Production .........................................................
Transportation and material moving ..................
2
4
2
8
6
9
4
5
98
96
98
92
94
91
96
95
5
6
4
4
4
95
94
96
96
96
Full time .................................................................
Part time ................................................................
4
5
96
95
Union .....................................................................
Nonunion ...............................................................
2
5
98
95
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
8
5
5
4
3
3
92
95
95
96
97
97
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
5
5
4
95
95
96
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Information .........................................................
4
7
6
10
1
96
93
94
90
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 2014—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 ..................
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
3
3
4
2
2
4
10
2
2
1
2
97
97
96
98
98
96
90
98
98
99
98
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
7
7
6
3
4
2
93
93
94
97
96
98
2
2
2
6
5
7
6
4
4
3
5
8
4
98
98
98
94
95
93
94
96
96
97
95
92
96
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 18. Life insurance plans: Method of benefit payment, private industry workers,
National Compensation Survey, March 2014
(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
61
2
34
2
(1)
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
74
76
72
50
42
65
61
66
39
2
2
2
1
–
2
2
2
–
23
21
24
46
56
31
33
31
56
1
1
1
2
–
2
3
1
4
(1)
1
(1)
1
–
(1)
1
(1)
–
21
51
49
47
52
–
–
1
1
–
74
44
44
46
42
3
4
5
6
3
–
–
(1)
(1)
–
Full time .................................................................
Part time ................................................................
62
57
2
–
34
37
2
4
(1)
–
Union .....................................................................
Nonunion ...............................................................
43
64
1
2
46
32
10
1
1
(1)
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
48
40
57
58
72
75
1
–
1
2
2
4
48
55
39
38
24
19
2
3
3
3
2
2
1
–
(1)
(1)
(1)
(1)
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
48
20
55
1
–
–
46
77
38
5
3
5
(1)
–
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
65
58
57
54
64
75
2
2
–
3
2
–
31
36
36
38
34
23
2
3
6
4
–
–
(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 2014—continued
(All workers with basic life insurance coverage = 100 percent)
Basic life insurance method of payment
Characteristics
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
85
77
82
86
77
51
68
69
53
66
71
74
65
49
47
47
–
–
–
2
2
–
3
–
–
1
2
2
1
–
–
–
12
20
15
11
20
48
28
26
45
32
27
23
33
48
50
51
–
1
1
–
–
–
–
–
–
1
1
1
1
–
–
–
–
–
–
–
–
–
–
–
–
(1)
(1)
(1)
1
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
50
48
52
69
62
76
(1)
1
–
2
2
3
48
49
46
26
33
18
2
2
2
3
2
3
(1)
(1)
–
(1)
1
( )
(1)
69
74
67
61
64
58
59
56
54
61
61
61
61
2
2
3
1
–
–
–
1
–
1
2
2
–
27
24
28
35
32
38
37
39
40
34
35
36
34
–
–
–
2
2
2
2
3
3
3
2
–
2
–
–
–
(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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2014
(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
10
22
4
1.3
1.0
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
–
1
–
(2)
–
1
1
59
56
61
70
69
66
77
62
65
11
9
12
10
–
9
7
10
11
24
27
22
16
–
20
13
23
21
5
7
–
2
–
4
–
5
3
1.4
1.4
1.4
1.2
1.2
1.3
1.2
1.4
1.3
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
1
1
–
1
64
65
63
58
69
–
10
13
13
13
–
21
20
26
14
–
3
3
–
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 ................................................................
1
1
62
75
11
9
22
10
4
5
1.4
1.3
1.0
1.0
Union .....................................................................
Nonunion ...............................................................
2
(2)
69
62
9
11
15
22
5
4
1.3
1.4
1.0
1.0
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
1
1
1
1
72
68
70
60
59
57
8
–
10
12
10
9
17
–
16
23
25
27
–
–
2
4
6
6
1.3
1.3
1.3
1.4
1.4
1.4
1.0
1.0
1.0
1.0
1.0
1.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
–
–
–
53
70
52
11
–
11
31
23
31
–
–
–
1.4
1.3
1.5
1.0
1.0
1.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
1
–
–
–
–
65
70
50
86
66
67
10
10
20
4
–
–
20
16
25
8
20
–
4
3
–
–
2
–
1.3
1.3
1.4
1.1
1.3
1.4
1.0
1.0
–
1.0
1.0
1.0
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, private industry
workers, National Compensation Survey, March 2014—continued
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Multiple of annual earnings amounts1
Characteristics
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Mean
multiple of
annual
earnings
Greater
than 2.0
times
earnings
Median
multiple of
annual
earnings
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
–
64
62
63
64
57
56
56
55
67
69
56
57
72
76
83
50
8
6
5
–
5
–
13
12
–
12
16
16
11
–
–
–
21
27
27
24
34
–
23
21
–
16
17
18
15
–
–
39
–
–
–
7
–
–
8
12
–
2
–
–
1
–
–
–
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.5
1.3
1.2
1.4
1.3
1.2
1.2
1.1
1.6
1.0
1.0
1.0
1.0
1.0
–
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
1
2
( )
1
59
62
54
65
66
64
12
11
14
10
8
11
24
21
29
21
21
20
–
–
–
4
4
3
1.4
1.4
1.4
1.3
1.3
1.3
1.0
1.0
1.0
1.0
1.0
1.0
1
–
–
1
–
–
–
–
–
–
–
–
–
60
64
59
67
68
67
66
57
57
56
66
72
62
14
15
13
8
8
–
7
12
12
11
9
–
–
20
18
21
20
19
–
24
26
26
27
20
13
24
5
–
–
4
–
6
–
–
–
–
–
3
7
1.4
1.3
1.4
1.3
1.3
1.3
1.3
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 20. Life insurance plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2014
(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
$70,000
$250,000
22
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
79
82
78
79
70
81
82
81
73
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
100,000
50,000
50,000
50,000
50,000
–
100,000
300,000
300,000
350,000
200,000
–
200,000
100,000
200,000
200,000
750,000
750,000
750,000
500,000
–
500,000
500,000
500,000
–
–
2,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
2,000,000
21
18
22
21
30
19
18
19
27
74
73
69
63
76
–
50,000
50,000
50,000
50,000
100,000
–
75,000
100,000
70,000
170,000
250,000
200,000
250,000
100,000
–
1,000,000
500,000
500,000
–
1,000,000
2,000,000
1,000,000
1,000,000
–
26
27
31
37
24
Full time .................................................................
Part time ................................................................
78
74
50,000
50,000
75,000
70,000
250,000
–
500,000
500,000
1,000,000
800,000
22
26
Union .....................................................................
Nonunion ...............................................................
68
79
50,000
50,000
70,000
75,000
100,000
250,000
500,000
500,000
–
1,000,000
32
21
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
74
79
80
78
78
80
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
75,000
100,000
100,000
200,000
–
150,000
200,000
300,000
300,000
500,000
–
500,000
500,000
800,000
800,000
1,000,000
–
1,000,000
1,000,000
–
–
26
21
20
22
22
20
Goods-producing industries ...................................
Manufacturing ....................................................
67
66
50,000
50,000
100,000
100,000
300,000
300,000
700,000
700,000
1,000,000
1,000,000
33
34
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
80
78
82
78
79
62
50,000
50,000
50,000
50,000
50,000
50,000
60,000
50,000
–
50,000
70,000
–
200,000
100,000
250,000
50,000
100,000
–
500,000
500,000
500,000
500,000
200,000
–
1,000,000
800,000
1,000,000
800,000
500,000
1,000,000
20
22
18
22
21
38
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 2014—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 ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Other services ...................................................
73
86
85
88
76
81
87
72
79
85
86
78
83
$50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
$200,000
100,000
100,000
100,000
–
–
–
–
–
50,000
50,000
–
–
– $2,000,000 $2,000,000
$250,000
650,000
–
250,000
700,000 2,000,000
200,000
600,000 2,000,000
500,000 1,000,000 1,000,000
400,000
–
–
–
750,000
–
–
–
–
250,000
500,000 1,000,000
200,000
–
500,000
200,000
500,000
500,000
250,000
500,000 1,000,000
–
–
–
27
14
15
12
24
19
13
28
21
15
14
22
17
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
81
83
78
77
80
73
50,000
50,000
50,000
50,000
50,000
50,000
–
–
–
70,000
50,000
100,000
200,000
200,000
200,000
250,000
200,000
400,000
500,000
500,000
500,000
650,000
500,000
1,000,000
1,000,000
1,000,000
–
1,000,000
1,000,000
–
19
17
22
23
20
27
77
73
79
81
81
85
80
72
70
74
81
88
78
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
50,000
–
–
50,000
250,000
200,000
250,000
250,000
300,000
200,000
–
250,000
300,000
200,000
200,000
–
200,000
500,000
500,000
500,000
750,000
750,000
500,000
–
500,000
550,000
500,000
500,000
–
500,000
1,000,000
1,000,000
1,000,000
1,500,000
1,750,000
1,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
23
27
21
19
19
15
20
28
30
26
19
12
22
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2014
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
All workers .............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$10,000
$10,000
$20,000
$25,000
$50,000
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
10,000
10,000
10,000
10,000
5,000
–
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
10,000
20,000
15,000
20,000
20,000
50,000
50,000
50,000
20,000
–
25,000
20,000
30,000
25,000
50,000
50,000
50,000
–
25,000
50,000
50,000
50,000
50,000
–
10,000
10,000
10,000
10,000
10,000
15,000
–
15,000
10,000
–
20,000
20,000
20,000
20,000
25,000
30,000
27,000
30,000
25,000
40,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
10,000
–
10,000
5,000
20,000
10,000
30,000
–
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
10,000
10,000
15,000
15,000
20,000
33,000
25,000
50,000
50,000
Average wage within the following categories3:
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
–
15,000
–
15,000
10,000
20,000
20,000
25,000
–
20,000
–
25,000
30,000
50,000
50,000
25,000
25,000
50,000
50,000
50,000
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
10,000
10,000
10,000
15,000
10,000
15,000
20,000
–
20,000
30,000
25,000
35,000
50,000
50,000
50,000
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
10,000
–
10,000
5,000
10,000
10,000
10,000
10,000
15,000
10,000
–
10,000
20,000
20,000
–
–
20,000
–
25,000
25,000
–
20,000
40,000
–
50,000
50,000
50,000
25,000
50,000
50,000
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, National Compensation Survey, March 2014—continued
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Flat dollar amounts2
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
$10,000
10,000
15,000
–
–
10,000
10,000
15,000
5,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
–
$15,000
–
15,000
25,000
15,000
15,000
20,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
$20,000
25,000
50,000
25,000
50,000
–
25,000
25,000
20,000
15,000
–
18,000
15,000
15,000
15,000
15,000
–
$50,000
50,000
50,000
50,000
–
–
50,000
25,000
25,000
50,000
50,000
25,000
20,000
20,000
25,000
$50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
–
25,000
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
10,000
10,000
10,000
10,000
10,000
–
–
15,000
–
10,000
10,000
10,000
20,000
20,000
20,000
20,000
20,000
20,000
25,000
25,000
–
26,000
25,000
40,000
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
15,000
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
15,000
40,000
50,000
40,000
25,000
25,000
–
25,000
25,000
25,000
–
25,000
25,000
30,000
50,000
50,000
–
50,000
50,000
50,000
50,000
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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
43
39
17
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
47
50
45
–
46
47
46
38
39
39
39
34
35
34
36
46
13
10
–
40
18
–
–
13
1
1
–
–
(2)
–
–
2
29
45
42
39
47
48
45
43
50
34
19
–
13
10
18
5
–
1
1
1
Full time .................................................................
Part time ................................................................
44
35
41
–
15
45
1
–
Union .....................................................................
Nonunion ...............................................................
45
42
35
40
17
17
3
(2)
Average wage within the following categories3:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
30
39
43
49
50
32
–
42
40
38
36
38
51
–
16
12
–
–
–
–
1
1
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
39
22
42
49
50
48
10
24
8
1
4
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
44
47
40
42
60
67
36
37
47
36
26
31
20
–
13
–
–
–
1
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Short-term disability plans: Method of funding, private industry
workers, National Compensation Survey, March 2014—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Noncommercially
insured1
Commercially
insured
Legally
required
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
69
64
71
74
72
–
37
31
33
36
38
55
36
27
29
–
23
25
21
20
20
49
43
51
38
39
38
30
40
31
32
36
–
–
–
–
8
29
–
–
–
24
–
–
24
42
39
49
–
–
–
–
–
–
–
–
–
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 ..........................................
30
29
32
51
44
59
41
38
48
37
45
29
29
33
–
10
10
11
(2)
(2)
–
1
1
2
25
50
20
52
49
46
59
55
54
58
45
47
44
25
49
20
48
51
53
41
42
42
42
46
53
41
49
–
60
–
–
–
–
–
–
–
–
–
–
1
–
(2)
–
–
–
–
3
3
–
–
–
–
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 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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
13
10
14
42
18
22
16
16
87
90
86
58
82
78
84
84
19
13
15
12
20
81
87
85
88
80
Full time .................................................................
Part time ................................................................
16
40
84
60
Union .....................................................................
Nonunion ...............................................................
17
18
83
82
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
41
47
19
16
12
11
59
53
81
84
88
89
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
12
24
10
88
76
90
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
20
19
20
24
13
12
80
81
80
76
87
88
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 2014—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 ....
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
8
6
5
6
17
14
28
21
8
8
24
46
46
49
92
94
95
94
83
86
72
79
92
92
76
54
54
51
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
26
28
22
13
14
12
74
72
78
87
86
88
40
5
47
7
7
6
6
7
6
8
10
13
60
95
53
93
93
94
94
93
94
92
90
87
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
6
2
68
23
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
1
1
5
3
3
3
17
1
1
1
3
1
–
1
–
66
58
72
86
67
67
67
57
31
39
25
5
29
29
29
21
1
(1)
1
(1)
(1)
–
(1)
–
32
7
14
17
11
–
–
4
–
–
54
59
67
60
77
8
30
14
17
10
–
–
1
–
–
Full time .................................................................
Part time ................................................................
6
3
2
1
66
86
25
10
(1)
1
Union .....................................................................
Nonunion ...............................................................
20
3
8
1
57
70
15
25
1
(1)
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
6
2
7
7
4
2
3
–
1
3
2
1
81
91
73
68
61
60
9
5
18
22
32
36
1
–
(1)
(1)
1
1
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
16
29
14
5
4
5
58
58
59
21
–
22
1
–
1
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
3
6
4
3
–
–
1
2
3
–
–
–
71
73
72
74
75
46
24
19
21
20
12
52
(1)
(1)
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 24. Short-term disability plans: Method of benefit payment, private industry
workers, National Compensation Survey, March 2014—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
Flat dollar
amounts
Fixed
percent of
annual
earnings
Dollar
amount
varies
Percent
varies by
annual
earnings
Other
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
3
–
–
3
6
6
–
–
1
1
1
–
–
–
–
–
(1)
–
–
–
–
–
–
31
50
45
34
57
79
71
72
82
88
84
81
89
85
84
96
64
49
54
65
42
–
28
27
–
8
12
18
7
–
–
–
–
–
–
–
–
–
–
–
–
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 ..........................................
5
5
5
6
7
5
–
–
–
2
2
3
74
74
75
64
68
61
18
18
17
27
23
31
–
–
–
1
(1)
1
3
5
3
6
5
8
5
11
11
10
3
4
2
1
–
–
3
–
–
2
4
3
–
2
–
3
81
68
84
61
65
64
53
59
61
56
67
69
65
15
26
12
30
26
23
40
26
25
29
27
25
28
(1)
–
–
(1)
–
–
–
1
(1)
–
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 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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 25. Short-term disability plans: Duration of benefits, private industry workers, National
Compensation Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
All workers .............................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
93
12
21
26
26
26
7
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
92
91
92
97
93
91
93
90
12
12
12
12
12
11
12
13
16
–
17
26
20
13
21
24
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
–
26
26
26
36
8
9
8
3
7
9
7
10
95
87
92
91
94
13
13
13
13
13
24
24
25
21
26
26
26
26
26
26
26
26
26
26
26
26
36
26
26
26
5
13
8
9
6
Full time .................................................................
Part time ................................................................
92
96
12
–
18
26
26
26
26
26
26
–
8
4
Union .....................................................................
Nonunion ...............................................................
91
93
13
12
26
18
26
26
26
26
–
26
9
7
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
96
98
94
93
91
90
12
–
12
12
12
12
25
26
20
18
21
20
26
26
26
26
26
26
26
26
26
26
26
26
26
52
26
26
26
26
4
2
6
7
9
10
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
92
96
92
13
12
12
24
–
24
26
26
26
26
26
26
26
26
26
8
4
8
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
93
91
93
88
93
82
12
12
12
11
24
12
21
21
24
13
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
7
9
7
12
7
18
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 2014—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 ................
91
90
87
92
93
93
96
95
92
97
100
100
12
13
13
12
12
12
12
13
13
12
12
13
21
25
25
18
13
13
18
–
26
18
26
26
26
26
26
26
26
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
52
52
9
10
13
8
7
7
4
5
8
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
95
95
91
93
90
12
12
12
12
12
13
18
20
13
22
16
25
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
26
5
5
5
9
7
10
94
93
94
93
94
94
91
90
90
90
93
91
94
13
12
–
12
12
11
12
12
12
12
11
11
12
26
13
26
13
13
12
18
17
18
13
13
12
–
26
26
26
26
26
26
26
26
26
26
26
24
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
7
6
7
6
6
9
10
10
10
7
9
6
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2014
(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
18
1
41
26
13
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
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
1
–
1
–
1
–
15
13
16
26
19
18
20
18
1
–
(1)
–
1
–
1
–
44
42
44
33
38
37
39
44
24
24
24
33
26
26
26
27
16
19
15
5
14
16
13
9
64.0
65.3
63.3
60.4
62.6
63.0
62.3
61.8
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
–
–
2
–
–
17
18
16
16
16
–
–
1
–
–
37
49
44
41
46
35
22
25
25
25
–
8
12
14
11
62.9
61.1
62.6
62.0
63.2
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
1
–
18
21
1
–
42
29
25
38
13
7
62.8
62.1
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
2
1
20
18
2
1
32
42
32
25
12
13
62.0
62.8
60.0
60.0
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
2
1
1
–
22
26
18
20
15
15
–
–
1
1
(1)
–
33
31
42
41
43
42
34
38
27
24
24
21
5
3
10
13
17
22
60.7
60.7
62.2
62.5
64.2
65.4
60.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
2
–
2
13
18
13
1
–
1
42
41
42
25
34
23
17
4
20
63.6
61.3
64.0
60.0
60.0
60.0
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
1
–
–
–
–
–
19
16
15
18
17
–
1
–
–
–
–
–
40
41
43
38
47
–
27
25
27
27
18
–
12
15
14
13
17
55
62.5
64.0
63.7
63.2
64.3
80.4
60.0
60.0
60.0
60.0
60.0
86.0
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 2014—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
1
–
4
1
–
–
1
–
–
–
20
20
16
21
11
–
12
9
–
25
27
27
24
32
29
18
–
–
–
–
–
–
1
–
5
(1)
–
–
1
( )
–
–
4
42
31
27
27
34
–
46
46
47
44
34
31
46
33
34
21
22
25
28
33
26
15
33
35
35
19
12
9
20
–
–
47
16
22
27
16
27
–
7
10
–
12
26
32
9
–
–
–
62.5
64.7
66.5
64.0
66.0
58.5
62.5
64.4
60.5
61.3
65.8
69.2
60.4
59.8
60.3
60.1
60.0
60.0
66.0
60.0
66.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
66.0
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
2
2
22
23
19
15
11
20
–
–
–
1
1
1
37
33
45
44
48
39
30
33
25
23
24
21
9
9
9
16
14
18
61.8
61.7
61.9
63.4
63.3
63.6
60.0
60.0
60.0
60.0
60.0
60.0
1
–
1
2
–
–
–
–
–
–
1
–
2
29
7
33
12
13
16
9
11
11
9
10
–
11
(1)
–
(1)
(1)
–
–
–
–
–
–
6
–
9
24
57
18
57
56
56
57
48
48
48
49
60
41
38
12
43
13
13
11
16
23
23
21
22
17
24
8
21
5
16
15
–
17
17
16
21
14
14
13
61.6
65.4
60.9
62.9
62.2
63.0
64.3
64.5
63.8
66.3
63.0
63.5
62.6
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 percent
61 to 69
percent
Mean fixed
percent of
annual
earnings
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2014
(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
75
$170
$315
$584
$1,250
$2,400
25
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
69
70
69
88
77
79
76
77
170
170
170
170
170
170
170
170
500
500
500
–
250
–
250
500
1,000
1,000
900
546
595
584
595
577
1,923
1,800
2,000
595
1,500
1,666
1,385
1,000
2,500
2,500
2,500
1,300
2,500
4,615
2,500
–
31
30
31
12
23
21
24
23
76
78
73
68
78
170
200
170
170
170
–
500
300
250
488
546
600
500
500
500
600
1,200
600
750
595
–
2,000
1,500
1,500
1,500
24
22
27
32
22
Full time .................................................................
Part time ................................................................
73
87
170
170
350
–
595
500
1,500
595
2,500
750
27
13
Union .....................................................................
Nonunion ...............................................................
78
74
170
170
230
315
500
595
595
1,385
1,500
2,500
22
26
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
88
95
74
73
71
69
170
170
170
170
170
170
–
–
300
300
500
500
546
546
572
577
–
1,000
595
595
1,000
1,000
1,846
2,300
1,300
921
2,300
2,307
2,500
3,002
12
5
26
27
29
31
Goods-producing industries ...................................
Manufacturing ....................................................
68
64
170
170
350
350
595
595
1,000
1,000
2,000
2,000
32
36
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
76
75
72
78
75
65
170
170
170
170
170
170
315
–
400
200
–
–
584
523
572
572
500
–
1,300
1,000
–
1,000
577
2,500
2,500
2,308
2,500
4,615
1,167
3,464
24
25
28
22
25
35
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 2014—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 .................
Leisure and hospitality .......................................
Accommodation and food services ................
69
63
69
57
84
83
87
68
62
51
70
95
94
$170
170
170
–
170
–
170
170
170
170
170
170
170
–
–
$559
584
500
572
–
–
170
170
300
–
–
$1,000
1,000
1,400
1,000
–
1,000
559
584
584
595
584
–
–
$2,308
3,000
3,000
2,500
1,500
1,750
1,000
1,300
1,500
1,500
1,250
595
595
$4,153
5,769
–
3,000
2,400
2,309
2,000
2,500
2,000
1,650
2,500
–
–
31
37
31
43
16
17
13
32
38
49
30
5
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
84
85
83
68
73
63
170
170
170
170
170
170
–
170
300
450
488
–
559
561
559
600
650
595
1,000
750
1,000
1,500
1,500
1,500
1,800
1,500
2,308
2,500
2,500
2,500
16
15
17
32
27
37
87
66
91
70
73
65
66
55
56
54
78
75
81
170
315
170
300
300
300
300
200
200
–
–
–
–
170
500
170
500
500
500
500
400
–
500
500
500
500
559
1,000
559
1,000
1,000
1,000
–
700
700
–
–
1,500
–
595
1,000
595
1,750
1,800
1,500
1,731
1,250
1,250
1,385
2,192
2,000
2,300
1,300
2,309
1,000
2,500
2,500
2,800
2,771
2,500
2,500
–
2,500
2,500
2,500
13
34
9
30
27
35
34
45
44
46
22
25
19
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, private industry workers, National Compensation
Survey, March 2014
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
6
94
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 ..................
6
6
6
7
6
8
6
10
10
6
6
4
94
94
94
93
94
92
94
90
90
94
94
96
Full time .................................................................
Part time ................................................................
7
4
93
96
Union .....................................................................
Nonunion ...............................................................
7
6
93
94
Average wage within the following categories1:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
7
6
7
6
7
93
94
93
94
93
Goods-producing industries ...................................
Manufacturing ....................................................
7
6
93
94
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
6
7
7
6
6
23
94
93
93
94
94
77
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 2014—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 .................
4
6
5
3
8
7
5
6
9
10
5
96
94
95
97
92
93
95
94
91
90
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
5
6
7
6
9
95
95
94
93
94
91
6
6
6
7
8
7
5
6
5
7
7
6
94
94
94
93
92
93
95
94
95
93
93
94
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 29. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2014
(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
3
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 ..................
97
96
97
95
98
95
90
97
90
93
92
91
94
3
4
2
3
–
4
10
2
5
4
2
2
2
–
–
–
–
–
(1)
–
(1)
3
1
4
6
2
–
–
–
–
–
(1)
–
1
2
2
2
2
2
Full time .................................................................
Part time ................................................................
95
88
3
9
1
–
1
–
Union .....................................................................
Nonunion ...............................................................
80
97
7
3
9
(1)
4
(1)
Average wage within the following categories2:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
93
97
94
95
95
6
2
3
3
4
–
(1)
2
1
(1)
–
1
1
(1)
(1)
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
91
89
93
4
6
1
4
6
4
2
–
2
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
96
89
93
82
97
78
3
8
4
16
2
–
(1)
1
–
–
–
–
(1)
2
–
–
–
7
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 2014—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
97
98
99
97
92
98
98
98
99
98
97
99
100
100
100
5
1
1
1
2
–
2
–
–
1
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
95
95
96
95
95
95
3
3
3
3
4
3
–
–
–
1
1
2
–
–
–
1
1
1
95
96
95
96
96
94
97
94
93
96
95
93
96
3
3
3
3
3
5
–
3
3
2
4
6
3
1
–
–
–
–
–
–
2
3
–
(1)
–
–
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 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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2014
(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
63
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 ..................
27
27
27
27
–
26
21
27
23
20
20
20
20
61
61
61
66
68
63
69
61
68
72
70
67
73
5
5
6
–
–
6
4
6
6
4
–
–
–
6
6
6
2
–
5
–
5
2
–
5
6
4
1
1
1
–
–
1
–
1
1
–
–
–
–
57.6
57.6
57.7
57.3
58.4
57.9
57.9
57.9
57.8
58.1
58.4
58.5
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
27
64
60
5
–
5
8
1
–
57.8
57.6
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
31
25
58
64
6
5
3
5
1
1
57.4
57.8
60.0
60.0
Average wage within the following categories1:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
23
26
24
26
25
71
65
64
61
60
3
5
5
6
7
–
4
6
6
6
–
1
1
1
1
57.3
57.6
58.1
57.8
58.0
60.0
60.0
60.0
60.0
60.0
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
20
8
21
67
90
64
7
–
7
6
–
7
(2)
–
(2)
58.6
59.6
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
16
14
23
39
63
71
72
76
74
27
5
5
6
–
–
23
5
4
–
6
2
–
1
1
–
–
–
–
57.6
58.4
58.2
58.9
58.0
59.0
60.0
60.0
60.0
60.0
60.0
60.0
All workers .............................................................
61 to 66
percent
Mean fixed
percent of
annual
earnings
67 percent
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 30. Long-term disability plans: Fixed percent of annual earnings, private industry workers, National
Compensation Survey, March 2014—continued
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
61 to 66
percent
Mean fixed
percent of
annual
earnings
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
26
35
38
42
28
–
24
25
26
30
7
6
36
–
–
–
64
52
47
43
55
84
60
60
61
64
76
80
62
72
62
64
4
7
8
9
9
–
–
7
–
2
–
8
–
–
–
–
4
5
5
–
–
–
8
8
–
3
9
–
1
–
–
–
2
1
1
–
–
–
–
–
–
1
–
–
–
–
–
–
57.5
57.3
57.0
56.6
58.1
59.5
57.9
57.3
57.9
56.8
60.5
60.3
55.9
58.8
58.5
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
60.0
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 ..........................................
21
21
19
28
19
36
68
68
70
61
69
53
5
5
5
5
5
6
5
5
6
5
5
5
1
1
1
1
1
2
( )
58.3
58.2
58.6
57.5
58.2
56.8
60.0
60.0
60.0
60.0
60.0
60.0
24
24
24
27
30
23
25
22
24
17
26
26
27
66
68
65
64
61
66
68
67
67
69
55
59
53
3
3
3
4
4
–
4
5
5
5
10
11
10
6
3
7
4
4
6
–
5
–
8
7
–
9
1
1
1
1
1
–
–
1
–
1
1
–
1
58.1
57.7
58.3
57.0
56.8
57.5
57.1
58.3
57.9
59.3
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
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 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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers, National
Compensation Survey, March 2014
(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
88
$3,000
$5,000
$8,000
$10,500
$15,000
12
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 ..................
89
89
89
91
90
93
89
87
89
81
82
79
4,000
5,000
4,000
3,333
3,000
5,000
2,500
3,000
3,000
–
3,000
–
5,000
6,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
3,000
9,500
10,000
7,500
7,500
8,000
8,000
8,000
6,000
6,000
6,000
7,000
6,000
12,500
15,000
10,000
10,000
12,000
15,000
12,000
10,000
10,000
10,000
10,000
10,000
17,500
–
15,000
15,000
20,000
20,000
20,000
15,000
15,000
15,000
15,000
–
11
11
11
9
10
7
11
13
11
19
18
21
Full time .................................................................
Part time ................................................................
88
88
3,000
2,500
5,000
5,000
8,000
7,000
11,000
–
15,000
15,000
12
12
Union .....................................................................
Nonunion ...............................................................
84
88
–
–
3,000
5,000
5,000
8,000
10,000
12,000
12,500
16,000
16
12
Average wage within the following categories2:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
90
89
87
88
87
3,000
2,500
3,000
4,000
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
12,650
15,000
15,000
15,000
15,000
20,000
20,000
10
11
13
12
13
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
85
92
85
3,000
5,000
3,000
5,000
5,000
5,000
8,000
–
8,000
10,000
10,000
10,000
15,000
15,000
15,000
15
8
15
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
89
86
90
93
79
63
3,000
–
–
3,000
–
5,000
5,000
5,000
5,000
5,000
–
–
8,000
7,000
7,500
6,000
–
12,000
11,000
10,000
10,000
9,000
10,000
15,000
16,667
15,000
15,000
12,000
15,000
15,000
11
14
10
7
21
37
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 2014—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 .................
88
91
90
93
83
84
93
79
94
88
88
95
$4,000
2,500
2,500
2,500
–
–
5,000
–
3,500
4,000
5,000
–
$4,000
6,000
7,000
6,000
8,000
5,000
6,000
–
5,000
5,000
5,000
5,000
$10,000
10,000
12,000
12,000
10,000
10,000
10,000
6,000
7,000
7,500
7,500
6,600
$12,000
20,000
–
–
16,000
12,000
10,000
10,000
10,000
10,000
10,000
10,000
$16,000
30,000
30,000
30,000
25,000
20,000
16,667
17,300
15,000
15,000
15,000
15,000
12
9
10
7
17
16
7
21
6
12
12
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 ..........................................
91
91
91
87
89
84
3,333
3,000
4,000
3,000
3,000
3,000
5,000
5,000
5,000
5,000
5,000
5,000
7,500
6,000
7,500
9,000
7,500
10,000
10,000
10,000
10,000
12,000
10,000
14,500
15,000
15,000
15,000
16,667
15,000
20,000
9
9
9
13
11
16
90
94
88
89
89
90
89
85
85
84
89
91
88
3,000
3,000
2,500
–
4,000
3,000
4,000
3,000
3,000
–
3,000
–
3,500
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
8,000
9,000
7,000
7,500
7,000
6,000
8,000
10,000
8,667
10,000
12,000
11,000
12,000
10,000
10,000
10,000
–
10,000
10,000
13,000
12,500
15,000
12,000
15,000
15,000
15,000
15,000
16,667
15,000
15,000
15,000
15,000
20,000
20,000
20,000
20,000
10
6
12
11
11
10
11
15
15
16
11
9
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2014
(All workers = 100 percent)
Life insurance
Characteristics
Access
All workers .............................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
79
78
98
23
22
98
34
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
20
19
21
20
18
98
97
97
37
36
36
35
34
35
95
95
96
86
76
86
79
80
91
76
84
74
85
78
78
89
76
98
98
99
98
98
98
99
19
23
22
24
24
28
22
19
23
21
24
24
28
21
98
97
98
98
98
100
99
38
26
25
35
36
45
28
37
25
24
34
34
44
27
97
95
96
97
97
99
95
Full time .................................................................
Part time ................................................................
90
22
88
21
98
96
25
12
24
12
98
98
39
10
37
9
96
92
Union .....................................................................
Nonunion ...............................................................
86
74
85
72
98
97
27
19
27
18
98
97
33
35
32
33
97
94
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
61
47
84
84
89
89
60
45
83
83
87
86
97
96
98
98
97
96
19
14
25
24
25
27
18
13
24
23
24
27
98
98
97
97
98
99
27
21
34
39
38
32
26
20
33
37
37
31
96
97
95
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 .........................................
79
79
79
78
81
81
90
83
77
77
77
76
77
78
87
81
98
97
97
98
95
96
97
99
23
21
20
20
20
24
23
26
22
20
20
19
18
23
22
25
98
97
98
99
93
96
97
98
34
36
36
34
40
38
41
30
33
34
34
33
36
36
40
29
95
95
95
96
90
95
98
96
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
62
60
65
82
74
84
61
59
64
80
73
82
98
97
99
98
98
98
19
20
18
23
19
25
19
20
18
23
19
24
98
98
98
98
96
98
36
29
47
34
31
35
35
28
44
33
30
33
95
96
95
95
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 2014—continued
(All workers = 100 percent)
Life insurance
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Short-term disability
Take-up
rate
Access
Participation
Long-term disability
Take-up
rate
Access
Participation
Take-up
rate
85
77
82
76
96
98
25
22
24
22
96
98
35
34
32
33
92
96
81
73
84
82
83
85
78
79
79
78
75
79
73
79
67
84
79
81
79
76
77
76
78
74
78
72
98
91
100
97
98
93
98
98
97
99
99
99
99
34
7
44
17
27
–
11
21
25
13
25
18
28
34
7
43
17
26
–
11
20
24
13
25
18
28
99
100
99
96
95
–
100
96
95
99
99
100
99
17
15
17
30
44
19
15
53
50
57
38
65
29
16
14
17
28
41
18
14
51
48
57
36
58
28
97
93
98
93
94
91
94
98
96
100
94
89
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2014
(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
10
11
10
9
8
7
8
90
89
90
91
92
93
92
Full time .................................................................
Part time ................................................................
10
9
90
91
Union .....................................................................
Nonunion ...............................................................
9
12
91
88
Average wage within the following categories1:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
11
9
10
10
13
89
91
90
90
87
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
10
11
10
10
11
10
90
89
90
90
89
90
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
8
9
10
11
10
92
91
90
89
90
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2014—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
15
45
6
11
8
6
12
16
6
2
2
2
85
55
94
89
92
94
88
84
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2014
(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
33
2
2
1
55
56
59
5
5
5
3
2
3
30
40
36
38
38
40
36
1
3
4
–
–
4
2
62
51
53
52
52
51
49
5
5
6
6
6
–
–
3
2
1
–
–
–
–
Full time .................................................................
Part time ................................................................
37
35
2
–
53
58
5
4
2
–
Union .....................................................................
Nonunion ...............................................................
32
42
2
2
57
50
8
2
1
4
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
38
46
40
39
32
34
1
–
2
3
2
3
55
49
50
49
59
59
3
2
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
47
44
36
2
1
1
1
–
–
–
3
54
54
55
61
39
48
53
53
5
4
5
4
5
3
–
7
2
2
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
35
38
38
38
2
–
–
2
–
2
61
61
61
53
56
51
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 2014—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
56
5
5
3
2
33
19
37
43
55
49
19
45
44
46
21
36
15
1
–
1
2
2
–
–
–
–
3
–
–
4
52
67
47
48
30
43
80
48
49
46
71
61
75
14
–
14
2
2
–
1
4
4
5
5
–
5
–
–
–
6
11
–
–
–
–
–
–
–
–
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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2014
(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
26
–
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
23
23
24
27
27
27
–
3
4
1.4
1.4
1.5
1.5
1.5
1.5
–
–
–
–
–
–
–
47
52
56
51
51
48
38
26
18
11
23
24
20
36
25
24
22
24
24
28
23
2
5
–
2
2
–
–
1.4
1.5
1.5
1.4
1.4
1.4
1.5
–
–
1.0
–
–
–
1.5
Full time .................................................................
Part time ................................................................
–
–
47
63
22
27
27
–
–
–
1.4
1.2
1.5
1.0
Union .....................................................................
Nonunion ...............................................................
–
–
57
41
27
19
11
37
–
–
1.4
1.5
1.0
1.5
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
–
–
49
42
50
52
42
41
23
20
20
19
27
26
28
–
28
26
23
–
–
–
3
–
–
11
1.4
1.5
1.4
1.4
1.5
1.6
–
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
60
60
56
22
22
22
27
–
20
–
19
26
29
31
29
–
–
–
19
–
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
1.0
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
55
52
59
47
44
48
–
–
–
23
26
21
–
–
–
27
23
28
–
–
–
–
6
–
1.4
1.4
1.3
1.4
1.5
1.4
–
–
–
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 2014—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
48
19
24
–
25
3
–
1.4
1.4
1.5
1.4
–
–
–
–
–
–
–
–
–
–
–
–
30
61
26
43
49
34
56
69
35
73
65
81
50
–
52
16
16
–
–
11
–
–
–
–
6
–
6
40
34
27
–
16
–
–
–
–
13
–
15
–
–
–
3
4
–
–
–
–
1.6
1.2
1.7
1.5
1.4
1.5
1.4
1.3
1.5
1.2
1.2
1.1
1.5
–
1.5
1.5
–
1.5
1.0
1.0
1.5
1.0
1.0
1.0
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, National
Compensation Survey, March 2014
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
All workers .............................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
51
$50,000
$50,000
$100,000
$250,000
$500,000
49
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 ...
52
52
49
50,000
50,000
50,000
50,000
50,000
50,000
100,000
100,000
–
250,000
250,000
200,000
400,000
400,000
350,000
48
48
51
43
53
49
49
49
47
47
50,000
50,000
50,000
50,000
50,000
–
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
100,000
–
–
–
100,000
100,000
–
250,000
–
–
–
–
–
–
500,000
–
500,000
500,000
400,000
450,000
57
47
51
51
51
53
53
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
53
50,000
50,000
50,000
50,000
100,000
100,000
–
250,000
400,000
500,000
50
47
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
56
61
54
50
47
53
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
–
–
–
500,000
500,000
400,000
500,000
500,000
500,000
44
39
46
50
53
47
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 .........................................
52
54
54
43
73
57
61
49
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
–
–
50,000
100,000
100,000
100,000
100,000
100,000
–
–
100,000
250,000
–
–
175,000
–
500,000
–
250,000
500,000
400,000
400,000
300,000
–
–
–
500,000
48
46
46
57
27
43
39
51
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
35
30
53
51
53
50,000
–
50,000
50,000
50,000
100,000
–
50,000
50,000
50,000
–
–
100,000
100,000
100,000
250,000
–
250,000
150,000
–
–
–
450,000
350,000
500,000
65
70
47
49
47
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 2014—continued
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
With
maximum
benefit
amount
Maximum benefit amount1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
maximum
benefit
amount
58
48
–
$50,000
$50,000
50,000
–
$100,000
–
$200,000
$500,000
400,000
42
52
35
31
54
39
56
48
46
75
74
–
–
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
50,000
100,000
200,000
–
–
150,000
–
–
100,000
–
250,000
–
–
400,000
–
–
–
–
350,000
–
–
–
500,000
250,000
300,000
–
65
69
46
61
44
52
54
25
26
Geographic areas
Northeast ...............................................................
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2014
(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
40,000
40,000
50,000
50,000
50,000
50,000
–
5,000
5,000
5,000
5,000
5,000
–
10,000
10,000
10,000
10,000
10,000
10,000
10,000
25,000
20,000
20,000
20,000
20,000
20,000
20,000
50,000
40,000
35,000
25,000
25,000
30,000
25,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
Full time .................................................................
Part time ................................................................
5,000
–
10,000
15,000
20,000
20,000
40,000
50,000
50,000
50,000
Union .....................................................................
Nonunion ...............................................................
5,000
5,000
10,000
10,000
25,000
–
50,000
25,000
50,000
50,000
Average wage within the following categories3:
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
20,000
20,000
20,000
25,000
30,000
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
20,000
40,000
40,000
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
30,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
Establishment characteristics
See footnotes at end of table.
Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2014—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
45,000
$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
5,000
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
–
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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 22. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2014
(All workers with short-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
51
36
8
4
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
53
51
52
34
34
34
9
10
11
4
5
3
47
51
56
46
45
55
54
40
38
34
43
43
37
38
–
7
–
6
7
–
–
–
5
–
5
5
–
–
Full time .................................................................
Part time ................................................................
51
53
37
27
8
–
3
–
Union .....................................................................
Nonunion ...............................................................
43
62
41
31
13
2
3
5
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
50
48
57
50
49
40
37
34
38
34
3
–
6
8
14
8
–
3
3
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 .........................................
51
50
50
43
72
53
53
50
37
36
36
44
–
32
41
38
8
9
8
6
15
–
–
9
4
5
6
7
–
–
–
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 ..........................................
46
55
–
52
53
52
51
45
61
35
29
36
–
–
–
9
13
8
–
–
–
4
5
4
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 2014—continued
(All workers with short-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Noncommercially
insured1
Commercially
insured
Legally
required
Other
82
39
–
48
13
–
–
–
–
77
–
65
68
51
51
50
55
66
–
76
49
–
50
33
29
46
38
–
41
26
65
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 23. Short-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2014
(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
10
16
15
16
15
7
90
84
85
84
85
93
Full time .................................................................
Part time ................................................................
13
11
87
89
Union .....................................................................
Nonunion ...............................................................
16
9
84
91
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
12
12
12
11
16
88
88
88
89
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
8
7
8
26
18
87
89
92
93
92
74
82
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
13
22
11
87
78
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 2014—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
31
–
32
69
100
68
–
16
19
100
84
81
–
100
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South
West South Central ..........................................
Midwest .................................................................
East North Central .............................................
West
Mountain ..........................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using ECEC data for March 2014.
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/glossary20132014.htm.
Table 24. Short-term disability plans: Method of benefit payment, State and local
government workers, National Compensation Survey, March 2014
(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
–
87
8
–
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 ...
–
–
–
–
–
–
88
88
86
7
6
4
2
2
3
–
2
–
1
1
–
19
–
–
–
–
–
–
–
86
87
80
86
85
86
72
3
10
–
10
10
9
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
3
–
–
–
86
88
9
8
–
–
Union .....................................................................
Nonunion ...............................................................
5
1
–
–
84
90
8
8
–
–
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
–
–
3
–
–
–
–
–
–
–
93
95
82
84
88
3
–
13
9
8
–
–
–
–
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 .........................................
3
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
87
89
89
90
86
87
89
84
9
6
4
3
11
13
11
12
–
2
2
2
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
3
–
3
–
–
–
–
–
–
94
94
93
86
85
86
–
–
–
9
11
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 2014—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
–
–
82
88
17
5
–
–
3
–
4
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
94
89
95
86
84
92
76
75
78
87
89
87
1
–
1
10
–
–
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
ECEC data for March 2014.
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/glossary20132014.htm.
Table 25. Short-term disability plans: Duration of benefits, State and local government workers, National
Compensation Survey, March 2014
(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
78
77
13
13
13
22
22
22
26
26
26
–
–
52
52
52
52
19
22
23
74
86
86
81
81
88
78
13
–
–
–
–
–
–
22
24
25
22
21
24
22
26
26
26
26
26
26
26
52
26
26
26
26
26
26
52
52
52
52
52
52
–
26
14
14
19
19
12
22
Full time .................................................................
83
13
22
26
–
52
17
Union .....................................................................
Nonunion ...............................................................
77
89
–
13
24
21
26
26
26
52
52
52
23
11
Average wage within the following categories2:
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
84
88
82
77
13
–
–
13
21
22
24
22
26
26
26
26
–
26
–
26
52
52
52
52
16
12
18
23
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 .........................................
82
80
77
74
88
93
86
13
14
–
–
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
18
20
23
26
12
7
14
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
82
87
81
13
12
–
22
20
22
26
26
26
26
26
–
52
52
52
18
13
19
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 2014—continued
(All workers with short-term disability coverage = 100 percent)
Number of weeks1
Characteristics
State government ..................................................
Local government ..................................................
Fixed
duration
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Duration
varies
94
78
–
13
25
22
26
26
26
–
52
52
6
22
79
78
95
94
63
57
81
26
26
13
22
13
–
13
26
26
22
22
20
20
18
26
26
26
–
26
26
24
26
26
52
52
–
48
26
–
–
52
52
52
52
–
21
22
5
6
37
43
19
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 26. Short-term disability plans: Fixed percent of annual earnings, State and local government workers,
National Compensation Survey, March 2014
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
All workers .............................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
31
8
29
21
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 ...
–
–
–
32
32
34
8
8
6
30
27
28
15
16
11
15
17
21
61.4
62.3
63.1
60.0
60.0
60.0
–
–
–
–
–
–
–
36
32
39
24
23
29
37
3
–
–
9
9
–
–
28
26
30
28
29
33
27
11
27
25
31
31
22
–
21
6
5
8
9
–
–
62.7
59.6
58.8
61.2
61.3
62.6
60.8
60.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
–
–
30
42
6
–
31
4
20
26
13
–
61.4
57.2
60.0
55.0
Union .....................................................................
Nonunion ...............................................................
–
–
22
41
9
6
31
26
28
12
10
15
61.3
60.8
60.0
60.0
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
–
–
–
–
–
38
46
31
33
23
6
–
11
5
9
26
27
28
29
32
18
14
22
24
19
12
–
8
10
17
60.1
59.0
60.1
60.1
63.4
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
31
32
34
38
20
23
23
28
8
11
11
4
28
14
23
–
29
25
24
27
15
33
34
30
21
14
12
14
8
25
–
34
12
17
19
17
–
–
–
5
61.1
62.0
62.3
61.5
66.9
59.9
59.2
60.2
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 ..........................................
–
–
–
–
–
–
44
57
–
29
29
29
–
–
–
9
–
9
33
–
47
28
38
26
–
–
–
20
18
21
–
–
–
14
7
15
57.1
55.5
59.5
61.6
59.0
62.2
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 2014—continued
(All workers with fixed percent of annual earnings short-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
State government ..................................................
Local government ..................................................
51 to 59
percent
Greater
than 69
percent
Median
fixed
percent of
annual
earnings
Less than
50 percent
50 percent
–
–
19
35
20
3
35
26
12
24
14
12
62.3
60.6
60.0
60.0
–
–
–
–
–
–
–
–
–
–
19
20
50
60
–
36
43
18
–
21
–
–
–
–
–
–
–
29
–
36
26
26
27
20
54
25
25
37
45
35
46
47
4
5
–
19
–
9
–
6
6
4
19
15
–
20
16
–
–
–
62.2
61.7
61.1
58.7
62.7
62.1
60.9
58.9
67.3
56.9
66.0
66.0
60.0
50.0
60.0
60.0
60.0
60.0
66.0
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 27. Short-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2014
(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
$185
–
$692
$850
$1,662
27
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 ...
75
74
75
185
185
185
$500
500
546
692
692
692
917
831
831
2,000
2,000
2,000
25
26
25
73
69
60
75
75
67
58
–
170
135
200
200
135
170
546
200
200
–
–
–
–
692
521
500
595
595
584
692
831
750
692
987
1,000
692
1,000
–
1,500
–
1,662
1,662
1,500
1,500
27
31
40
25
25
33
42
Full time .................................................................
Part time ................................................................
73
67
185
185
500
185
692
200
917
546
1,662
–
27
33
Union .....................................................................
Nonunion ...............................................................
79
65
170
–
200
595
546
692
831
1,000
1,662
2,000
21
35
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
68
64
73
76
74
200
–
185
170
170
500
–
200
–
–
692
692
595
692
595
808
1,100
–
1,000
831
–
–
1,662
2,000
1,662
32
36
27
24
26
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
72
73
74
72
67
69
72
185
185
185
–
170
170
170
–
500
500
500
513
–
200
692
692
692
692
961
987
595
900
831
831
831
–
1,500
–
1,662
2,000
2,000
–
2,000
2,000
1,662
28
27
26
28
33
31
28
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
66
57
73
67
75
–
–
170
170
185
500
–
–
–
–
692
–
692
595
692
–
1,662
850
–
831
1,662
–
1,662
2,308
1,662
34
43
27
33
25
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 2014—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
–
19
31
87
87
75
81
34
28
50
81
82
170
170
500
500
–
500
–
135
135
200
200
625
692
–
–
–
185
185
584
546
692
692
1,000
1,039
–
–
–
831
831
692
692
1,500
2,000
–
1,662
–
850
831
2,000
2,000
2,308
2,308
1,500
2,310
2,000
13
13
25
19
66
72
50
19
18
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2014
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Employee
contribution
required
Employee
contribution not
required
18
82
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
19
20
23
81
80
77
24
18
19
18
19
76
82
81
82
81
Full time .................................................................
Part time ................................................................
18
20
82
80
Union .....................................................................
Nonunion ...............................................................
19
17
81
83
Average wage within the following categories1:
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
16
14
22
20
84
86
78
80
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Public administration .........................................
18
20
21
23
16
17
82
80
79
77
84
83
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
18
19
18
82
81
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 28. Long-term disability plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2014—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Employee
contribution
required
Employee
contribution not
required
19
18
81
82
6
8
6
5
26
39
94
92
94
95
74
61
11
89
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 29. Long-term disability plans: Method of benefit payment, State and
local government workers, National Compensation Survey, March 2014
(All workers with long-term disability coverage = 100 percent)
Characteristics
All workers .............................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
95
4
–
–
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
96
96
97
3
3
–
–
–
–
–
–
–
96
94
93
95
95
98
96
–
5
7
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
95
95
4
–
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
96
95
2
5
–
–
–
–
Average wage within the following categories1:
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
5
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 .........................................
95
96
96
97
95
94
95
93
4
3
2
–
–
–
–
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
90
94
96
96
96
6
7
–
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
2014—continued
(All workers with long-term disability coverage = 100 percent)
Characteristics
State government ..................................................
Local government ..................................................
Fixed
percent of
annual
earnings
Percent
varies by
annual
earnings
Flat dollar
amounts
Other
89
97
–
2
–
–
–
–
97
100
96
97
98
89
100
93
90
96
96
99
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 30. Long-term disability plans: Fixed percent of annual earnings, State and local government
workers, National Compensation Survey, March 2014
(All workers with a fixed percent of annual earnings long-term disability coverage = 100 percent)
Fixed percent of annual earnings
Characteristics
Greater
than 67
percent
Median
fixed
percent of
annual
earnings
Less than
60 percent
60 percent
17
43
23
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
40
38
35
27
27
26
12
12
15
5
6
8
60.9
61.0
61.2
60.0
60.0
60.0
17
21
21
16
17
19
13
31
46
50
49
49
43
55
28
16
14
18
18
23
–
16
11
–
15
16
–
–
8
5
–
1
1
–
–
61.3
60.5
60.3
60.3
60.3
60.3
61.6
62.0
60.0
60.0
60.0
60.0
60.0
60.0
Full time .................................................................
Part time ................................................................
15
40
44
21
24
13
12
–
4
–
60.8
59.4
60.0
60.0
Union .....................................................................
Nonunion ...............................................................
22
12
42
44
13
32
16
9
7
2
60.6
60.9
60.0
60.0
Average wage within the following categories1:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
17
18
15
14
20
19
40
40
45
46
41
46
28
25
24
24
19
19
–
–
12
12
13
11
–
–
3
4
7
5
60.8
60.6
60.8
61.3
60.2
59.7
60.0
60.0
60.0
60.0
60.0
60.0
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
16
16
16
17
12
20
–
18
43
42
38
31
56
60
57
44
23
25
26
29
19
–
–
22
13
12
14
16
–
–
–
13
5
5
6
7
–
–
–
3
60.8
60.8
61.2
61.5
60.6
58.0
57.7
60.5
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
21
16
38
36
40
44
43
44
–
–
–
23
15
25
–
–
–
12
17
11
–
–
–
4
5
4
61.8
62.0
61.6
60.6
60.4
60.7
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 2014—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
51
41
26
23
–
13
–
5
60.9
60.7
60.0
60.0
7
9
9
7
–
–
31
46
–
11
–
14
60
62
45
36
59
79
36
18
60
44
–
51
–
–
40
53
–
–
11
12
–
23
26
20
20
19
–
–
–
–
11
12
11
22
33
–
–
–
–
–
–
–
10
12
–
1
–
–
61.7
61.4
60.9
61.5
58.8
59.5
59.4
58.0
61.3
62.1
63.5
61.0
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 ECEC data for March 2014.
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/glossary20132014.htm.
Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2014
(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
66
–
$3,900
$5,000
$6,000
$10,000
34
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
67
65
65
–
–
–
3,900
3,900
3,900
5,000
5,000
5,000
6,000
6,000
6,000
9,000
8,750
8,000
33
35
35
62
64
65
61
61
67
80
–
–
–
–
–
–
–
3,900
4,000
4,500
–
–
3,900
3,500
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,500
7,500
7,500
6,000
6,000
6,000
7,500
8,000
10,000
10,000
10,000
10,000
9,400
10,000
38
36
35
39
39
33
20
Full time .................................................................
Part time ................................................................
67
47
–
–
3,900
–
5,000
5,000
6,000
6,000
10,000
10,000
33
53
Union .....................................................................
Nonunion ...............................................................
62
69
$2,500
–
4,000
3,900
5,000
5,000
6,000
6,000
10,000
10,000
38
31
Average wage within the following categories2:
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
62
54
66
66
68
73
–
–
–
–
–
2,500
3,900
3,900
–
3,900
4,000
4,500
5,000
5,000
5,000
5,000
5,000
5,000
6,000
7,000
7,000
6,000
–
6,500
8,000
10,000
10,000
10,000
9,500
8,000
38
46
34
34
32
27
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Public administration .........................................
66
64
65
63
58
67
–
–
–
–
–
–
3,900
3,900
3,900
3,900
4,500
3,900
5,000
5,000
5,000
5,000
5,000
5,000
6,500
6,000
6,000
6,000
7,000
6,500
10,000
9,000
8,750
8,000
–
10,000
34
36
35
37
42
33
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
63
54
66
59
68
3,000
–
–
–
–
3,900
–
3,900
4,000
3,900
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,000
6,000
7,000
6,000
–
10,000
10,000
10,000
37
46
34
41
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 2014—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
61
67
–
–
$3,500
3,900
$5,000
5,000
$7,000
6,000
$10,000
9,500
39
33
82
82
85
84
51
45
58
54
46
61
–
–
$800
800
–
3,000
3,500
3,000
–
3,000
4,000
–
–
–
5,000
4,500
5,000
5,000
5,000
5,000
5,000
5,000
3,900
3,900
5,000
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
7,000
6,000
10,000
10,000
9,000
9,000
9,100
10,000
7,500
10,000
10,000
10,000
18
18
15
16
49
55
42
46
54
39
Geographic areas
Northeast ...............................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
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 ECEC data for March 2014.
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/glossary20132014.htm.