Long-term disability plans: Maximum benefit amounts Data Table

Table 29. Long-term disability plans: Maximum benefit amounts, private industry workers,  National
Compensation Survey, March 2009

(All workers participating in fixed percent of earnings long-term disabilty plans = 100 percent)

Characteristics

With
maximum
benefit
amount

Maximum benefit amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

80

$3,000

$5,000

$8,000

$10,000

$15,000

20

Worker characteristics

             

Management, professional, and related

81

4,166

5,000

10,000

12,000

15,000

19

    Management, business, and financial

81

5,000

6,000

10,000

12,500

18,500

19

    Professional and related

81

4,000

5,000

8,000

10,500

15,000

19

Service

83

3,000

5,000

8,000

10,000

15,000

17

Sales and office

83

3,000

5,000

8,000

10,000

15,000

17

    Sales and related

86

2,800

5,000

7,000

10,000

16,667

14

    Office and administrative support

82

3,000

5,000

8,500

10,000

15,000

18

Natural resources, construction, and maintenance

80

2,917

4,000

5,000

10,000

15,000

20

    Construction, extraction, farming, fishing, and
     forestry

82

2,000

4,000

6,000

8,500

15,000

18

    Installation, maintenance, and repair

79

3,000

4,000

5,000

10,000

15,000

21

Production, transportation, and material moving

74

2,500

5,000

6,000

10,000

13,000

26

    Production

78

2,917

5,000

7,500

10,000

15,000

22

    Transportation and material moving

68

2,500

5,000

5,400

10,000

10,000

32

Full time

81

3,333

5,000

8,000

10,000

15,000

19

Part time

69

3,000

5,000

6,000

10,000

15,000

31

Union

66

2,118

4,000

5,000

10,000

15,000

34

Nonunion

82

3,399

5,000

8,000

10,000

15,000

18

Establishment characteristics

             

Goods-producing industries

81

2,500

5,000

7,500

10,000

15,000

19

    Manufacturing

79

2,917

5,000

8,000

11,000

15,000

21

Service-providing industries

80

4,000

5,000

8,000

10,000

15,000

20

    Trade, transportation, and utilities

73

2,800

5,000

5,400

10,000

15,000

27

        Wholesale trade

76

3,000

5,000

7,292

10,000

15,000

24

        Retail trade

87

2,000

3,333

5,000

6,000

10,000

13

        Transportation and warehousing

57

3,000

5,000

5,000

8,000

10,000

43

        Utilities

69

3,100

5,000

10,000

15,000

15,000

31

    Information

82

3,000

4,000

6,000

10,000

15,000

18

    Financial activities

82

5,000

7,500

10,000

15,000

25,000

18

        Finance and insurance

82

5,000

8,000

10,000

20,000

25,000

18

            Credit intermediation and related activities

83

5,000

8,000

10,000

20,000

25,000

17

            Insurance carriers and related activities

75

5,000

6,000

10,000

15,000

20,000

25

    Professional and business services

82

5,000

6,000

10,000

12,500

15,000

18

        Professional and technical services

88

5,000

6,000

10,000

10,000

15,000

12

        Administrative and waste services

85

3,000

6,000

10,000

15,000

17,300

15

    Education and health services

82

3,000

5,000

6,000

10,000

15,000

18

        Educational services

84

4,000

5,000

6,000

10,000

14,000

16

            Junior colleges, colleges, and universities

87

4,000

5,000

7,500

10,000

15,000

13

        Health care and social assistance

82

3,000

5,000

6,000

10,000

15,000

18

    Other services

66

3,000

4,000

5,000

10,000

10,000

34

1 to 99 workers

82

3,000

5,000

6,000

10,000

15,000

18

    1 to 49 workers

82

3,000

5,000

6,000

10,000

15,000

18

    50 to 99 workers

83

3,000

5,000

6,000

10,000

10,000

17

100 workers or more

80

4,000

5,000

10,000

12,000

15,000

20

    100 to 499 workers

84

3,500

5,000

7,500

10,000

15,000

16

    500 workers or more

76

4,000

6,000

10,000

15,000

17,300

24

Geographic areas

             

New England

82

3,100

5,000

7,500

10,000

15,000

18

Middle Atlantic

80

3,000

5,000

7,500

10,000

15,000

20

East North Central

74

3,000

5,000

6,500

10,000

15,000

26

West North Central

85

4,000

5,000

8,000

10,000

15,000

15

South Atlantic

83

3,000

5,000

7,500

10,000

15,000

17

West South Central

76

3,000

5,000

8,500

10,000

15,000

24

Mountain

81

5,000

5,000

7,500

10,000

15,000

19

Pacific

81

4,000

5,000

10,000

12,500

17,300

19

Footnotes:

1The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit shown. The remaining percentiles follow the same logic.

NOTE: Because of rounding, sums of individual items may not equal totals. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.