Short-term disability plans: Method of funding Standard Errors

Table 21. Standard errors for short-term disability plans: Method of funding, State
and local government workers, National Compensation Survey, March 2009

Characteristics

Non-
commercially
insured1

Commericially
insured

Legally
required

Other

All workers

2.2

1.7

0.9

1.9

Worker characteristics

       

Management, professional, and related

2.5

1.7

0.9

1.9

    Professional and related

3.0

1.9

1.1

2.5

        Teachers

4.1

2.6

1.8

3.2

            Primary, secondary, and special education
             school teachers

5.6

3.6

        Registered nurses

8.4

7.5

Service

3.3

2.9

1.7

2.8

    Protective service

6.1

5.2

Sales and office

3.5

2.9

1.1

4.0

    Office and administrative support

3.3

3.0

1.1

3.3

Natural resources, construction, and maintenance

6.5

6.1

Production, transportation, and material moving

6.5

5.9

Full time

2.3

1.8

0.8

2.0

Part time

5.4

2.0

2.6

4.2

Union

2.6

1.9

1.5

1.5

Nonunion

3.6

2.6

0.3

3.5

Wage percentiles:2

       

    Lowest 10 percent

5.8

6.1

1.0

5.8

    Lowest 25 percent

4.3

3.6

0.8

4.0

    Second 25 percent

2.9

2.4

0.9

2.2

    Third 25 percent

3.2

2.4

0.9

3.2

    Highest 25 percent

2.1

1.8

1.4

0.9

    Highest 10 percent

2.3

2.5

1.9

1.6

Establishment characteristics

       

Service-providing industries

2.2

1.7

0.9

1.9

    Education and health services

3.0

2.0

0.9

2.6

        Educational services

3.5

2.3

1.0

3.0

            Elementary and secondary schools

4.2

2.8

1.2

4.0

            Junior colleges, colleges, and universities

3.8

1.8

        Health care and social assistance

4.9

2.2

            Hospitals

7.3

2.5

    Public administration

3.8

3.2

1.4

2.1

1 to 99 workers

6.9

8.8

    1 to 49 workers

10.9

2.6

    50 to 99 workers

9.4

100 workers or more

2.3

1.5

1.0

1.8

    100 to 499 workers

5.5

4.2

2.3

3.4

    500 workers or more

2.3

1.5

0.8

1.9

State government

2.0

1.7

1.2

Local government

2.6

2.1

1.0

2.7

Geographic areas

       

New England

11.1

10.5

Middle Atlantic

3.3

1.7

3.0

2.3

East North Central

4.8

5.5

6.8

West North Central

10.3

South Atlantic

7.1

3.8

West South Central

11.2

10.8

Mountain

4.2

4.8

Pacific

3.1

2.1

Footnotes:

1Employer assumes all risks and expenses of providing the benefit.

2The percentile groupings are based on the average wage for each occupation surveyed, which may include workers
both above and below the threshold. The percentile values are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.