Short-term disability plans: method of funding Standard Errors

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

Characteristics

Non-
commercially
insured1

Commericially
insured

Legally
required

Other

All workers

1.3

1.0

1.2

0.2

Worker characteristics

       

Management, professional, and related

1.8

1.6

1.5

0.5

    Management, business, and financial

2.5

2.1

1.7

0.6

    Professional and related

1.8

2.0

1.6

0.4

Service

4.9

3.1

4.9

0.3

    Protective service

5.5

11.2

10.4

Sales and office

1.5

1.4

1.1

0.2

    Sales and related

2.6

2.0

1.8

0.5

    Office and administrative support

1.7

1.6

1.2

0.3

Natural resources, construction, and maintenance

2.2

2.4

1.5

1.3

    Construction, extraction, farming, fishing, and
     forestry

2.7

4.6

3.3

2.6

    Installation, maintenance, and repair

2.7

2.4

1.5

0.8

Production, transportation, and material moving

1.7

1.7

1.0

0.5

    Production

2.2

2.2

1.0

0.7

    Transportation and material moving

2.3

2.4

2.0

0.8

Full time

1.1

1.0

0.6

0.3

Part time

5.5

2.9

7.2

0.4

Union

2.3

2.1

2.9

1.1

Nonunion

1.2

1.0

0.9

0.2

Wage percentiles:2

       

    Lowest 10 percent

9.7

5.2

10.1

    Lowest 25 percent

4.5

3.2

4.4

0.4

    Second 25 percent

1.6

1.5

0.8

0.3

    Third 25 percent

1.5

1.2

1.3

0.4

    Highest 25 percent

1.7

1.6

1.0

0.5

    Highest 10 percent

2.1

2.2

1.4

0.8

Establishment characteristics

       

Goods-producing industries

1.9

1.8

1.1

0.6

    Construction

2.5

4.0

3.9

2.6

    Manufacturing

2.0

1.9

0.8

0.5

Service-providing industries

1.5

1.2

1.5

0.3

    Trade, transportation, and utilities

1.5

1.4

1.0

0.5

        Wholesale trade

3.2

3.2

1.7

        Retail trade

2.2

1.9

2.0

0.6

        Transportation and warehousing

3.2

4.1

        Utilities

5.1

3.3

    Information

3.5

3.0

2.0

    Financial activities

2.1

2.3

0.8

        Finance and insurance

2.1

2.2

0.6

            Credit intermediation and related activities

1.9

1.8

0.7

            Insurance carriers and related activities

4.2

4.5

1.5

        Real estate and rental and leasing

5.8

7.2

    Professional and business services

3.1

3.5

2.4

0.8

        Professional and technical services

3.9

4.9

4.5

        Administrative and waste services

6.5

5.8

3.5

    Education and health services

2.2

2.3

1.1

0.9

        Educational services

3.2

5.1

3.2

            Junior colleges, colleges, and universities

3.4

3.0

1.0

        Health care and social assistance

2.4

2.6

1.6

1.1

    Leisure and hospitality

5.8

        Accommodation and food services

5.7

    Other services

4.0

7.3

8.2

1 to 99 workers

1.3

2.0

2.1

0.3

    1 to 49 workers

1.5

2.1

2.0

0.4

    50 to 99 workers

2.2

3.0

3.0

0.4

100 workers or more

1.4

1.3

0.6

0.4

    100 to 499 workers

1.7

1.7

0.9

0.5

    500 workers or more

1.9

1.8

0.9

0.5

Geographic areas

       

New England

3.8

3.8

Middle Atlantic

1.9

1.2

2.7

0.2

East North Central

2.2

2.3

0.8

West North Central

3.0

1.8

1.8

South Atlantic

2.3

2.4

0.5

East South Central

10.1

9.7

West South Central

2.6

2.4

0.7

Mountain

4.1

3.9

Pacific

4.1

4.1

2.3

0.5

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.