Short-term disability plans: method of funding Data Table

Table 21. Short-term disability plans: Method of funding, private industry
workers,  National Compensation Survey, March 2009

(All workers with short-term disability coverage = 100 percent)

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

45

36

16

2

Worker characteristics

       

Management, professional, and related

51

34

14

2

    Management, business, and financial

52

34

11

2

    Professional and related

49

34

15

2

Service

31

36

32

1

    Protective service

25

38

36

Sales and office

49

33

18

1

    Sales and related

50

29

20

1

    Office and administrative support

48

34

17

1

Natural resources, construction, and maintenance

39

40

15

7

    Construction, extraction, farming, fishing, and
     forestry

24

45

19

12

    Installation, maintenance, and repair

48

36

12

3

Production, transportation, and material moving

44

42

11

3

    Production

46

42

9

3

    Transportation and material moving

41

42

14

3

Full time

46

37

14

2

Part time

36

20

43

1

Union

44

34

15

7

Nonunion

46

36

17

1

Wage percentiles:2

       

    Lowest 10 percent

34

24

41

    Lowest 25 percent

36

32

31

1

    Second 25 percent

42

41

16

1

    Third 25 percent

44

39

14

3

    Highest 25 percent

52

32

14

3

    Highest 10 percent

54

30

13

3

Establishment characteristics

       

Goods-producing industries

47

40

9

4

    Construction

17

44

27

12

    Manufacturing

52

39

7

3

Service-providing industries

45

35

19

2

    Trade, transportation, and utilities

49

30

19

2

        Wholesale trade

48

35

16

        Retail trade

51

25

22

2

        Transportation and warehousing

45

37

        Utilities

63

21

    Information

65

25

9

    Financial activities

64

27

9

        Finance and insurance

69

24

7

            Credit intermediation and related activities

73

21

6

            Insurance carriers and related activities

63

30

6

        Real estate and rental and leasing

29

47

    Professional and business services

36

44

19

2

        Professional and technical services

36

45

18

        Administrative and waste services

24

50

26

    Education and health services

35

41

21

3

        Educational services

53

26

20

            Junior colleges, colleges, and universities

69

24

7

        Health care and social assistance

31

44

22

3

    Leisure and hospitality

34

        Accommodation and food services

31

    Other services

15

35

50

1 to 99 workers

30

40

28

2

    1 to 49 workers

28

40

30

2

    50 to 99 workers

33

40

25

2

100 workers or more

54

34

10

2

    100 to 499 workers

48

38

12

2

    500 workers or more

60

30

7

2

Geographic areas

       

New England

48

49

Middle Atlantic

20

23

55

1

East North Central

59

37

4

West North Central

59

38

4

South Atlantic

54

44

1

East South Central

56

43

West South Central

59

39

2

Mountain

54

41

Pacific

44

40

14

2

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