Long-term disability plans: maximum benefit amounts Data Table

Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2010

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

Characteristics

With
maximum
benefit
amount

Maximum monthly benefit amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

64

36

Worker characteristics

 

 

 

 

 

 

 

Management, professional, and related

66

34

    Professional and related

65

35

        Teachers

65

$1,500

$3,500

$5,000

$6,000

$8,750

35

            Primary, secondary, and special education
             school teachers

62

38

Service

62

2,000

3,900

5,000

7,500

10,000

38

    Protective service

64

36

Sales and office

59

41

    Office and administrative support

60

40

Natural resources, construction, and maintenance

65

35

Production, transportation, and material moving

70

30

Full time

65

1,500

3,900

5,000

6,000

9,000

35

Part time

51

2,333

4,000

5,000

7,000

10,000

49

Union

61

2,000

3,000

5,000

6,000

9,100

39

Nonunion

67

33

Average wage within the following categories:2

 

 

 

 

 

 

 

    Lowest 25 percent

63

37

        Lowest 10 percent

59

41

    Second 25 percent

62

38

    Third 25 percent

63

37

    Highest 25 percent

68

2,222

3,900

5,000

6,667

10,000

32

        Highest 10 percent

70

2,500

4,400

5,000

7,000

10,000

30

Establishment characteristics

 

 

 

 

 

 

 

Service-providing industries

65

1,500

3,900

5,000

6,000

9,000

35

    Education and health services

64

1,500

3,900

5,000

6,000

8,500

36

        Educational services

64

1,500

3,500

5,000

6,000

8,750

36

            Elementary and secondary schools

63

37

        Health care and social assistance

64

36

    Public administration

62

38

1 to 99 workers

67

3,000

3,500

4,000

5,000

7,000

33

    1 to 49 workers

74

3,000

3,900

3,900

5,000

7,000

26

    50 to 99 workers

60

40

100 workers or more

64

1,500

3,900

5,000

6,000

9,100

36

    100 to 499 workers

59

3,000

4,000

5,000

6,000

9,000

41

    500 workers or more

66

34

State government

60

40

Local government

66

1,500

3,900

5,000

6,000

9,000

34

Geographic areas

 

 

 

 

 

 

 

Middle Atlantic

77

1,000

3,000

5,000

6,500

7,500

23

East North Central

43

2,500

4,400

5,000

7,000

10,000

57

West North Central

57

3,000

4,000

5,000

5,000

7,500

43

South Atlantic

80

20

Mountain

46

54

Pacific

62

3,000

5,000

5,000

7,000

10,000

38

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.

2The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both above and below the threshold.
The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." 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/glossary20092010.htm.