Long-term disability plans: Maximum benefit amounts Data Table

Table 31. Long-term disability plans: Maximum benefit amounts, private industry 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

82

$3,500

$5,000

$8,000

$10,000

$15,000

18

Worker characteristics

 

 

 

 

 

 

 

Management, professional, and related

83

4,500

6,000

10,000

12,000

15,000

17

    Management, business, and financial

84

5,000

6,000

10,000

12,500

15,500

16

    Professional and related

82

4,000

5,000

8,000

10,000

15,000

18

Service

83

3,000

5,000

8,000

10,000

15,000

17

Sales and office

84

3,000

5,000

9,000

10,000

15,000

16

    Sales and related

86

2,500

5,000

7,000

10,000

18,000

14

    Office and administrative support

84

3,600

5,000

10,000

10,500

15,000

16

Natural resources, construction, and maintenance

82

3,000

4,000

5,000

10,000

15,000

18

    Construction, extraction, farming, fishing, and
     forestry

84

2,500

5,000

5,000

8,500

15,000

16

    Installation, maintenance, and repair

80

3,399

4,000

5,000

10,000

15,000

20

Production, transportation, and material moving

74

2,500

5,000

7,000

10,000

15,000

26

    Production

79

2,500

5,000

7,500

10,000

15,000

21

    Transportation and material moving

69

2,500

5,000

5,000

10,000

10,000

31

Full time

83

4,000

5,000

8,000

10,000

15,000

17

Union

68

2,917

4,000

5,000

10,000

15,000

32

Nonunion

83

4,000

5,000

8,333

10,000

15,000

17

Average wage within the following categories:2

 

 

 

 

 

 

 

    Lowest 25 percent

82

3,000

5,000

8,000

10,000

15,000

18

    Second 25 percent

83

3,000

5,000

7,500

10,000

15,000

17

    Third 25 percent

83

3,000

5,000

7,500

10,000

15,000

17

    Highest 25 percent

81

4,000

5,000

10,000

12,000

15,500

19

        Highest 10 percent

81

5,000

6,000

10,000

15,000

20,000

19

Establishment characteristics

 

 

 

 

 

 

 

Goods-producing industries

82

2,917

5,000

8,000

11,000

15,000

18

    Construction

94

6

    Manufacturing

80

3,000

5,000

8,750

12,000

15,000

20

Service-providing industries

82

4,000

5,000

8,000

10,000

15,000

18

    Trade, transportation, and utilities

74

3,000

5,000

6,000

10,000

15,000

26

        Wholesale trade

80

5,000

5,000

7,000

10,000

15,000

20

        Transportation and warehousing

55

45

        Utilities

65

3,399

5,000

10,000

15,000

15,500

35

    Information

86

4,000

4,000

6,000

12,000

15,000

14

    Financial activities

85

5,000

7,500

10,000

15,000

25,000

15

        Finance and insurance

84

5,000

8,000

10,000

20,000

25,000

16

            Credit intermediation and related activities

85

5,000

7,500

10,000

25,000

30,000

15

            Insurance carriers and related activities

80

5,000

7,500

10,000

15,000

20,000

20

    Professional and business services

83

5,000

6,000

10,000

10,000

16,600

17

        Professional and technical services

88

5,000

6,250

10,000

10,000

15,000

12

    Education and health services

85

3,000

5,000

6,000

10,000

15,000

15

        Educational services

85

4,000

5,000

7,000

10,000

14,000

15

            Junior colleges, colleges, and universities

86

4,167

5,000

7,500

10,000

15,000

14

        Health care and social assistance

85

3,000

5,000

6,000

10,000

15,000

15

    Other services

67

3,000

5,000

5,000

10,000

10,000

33

1 to 99 workers

82

3,000

5,000

6,667

10,000

15,000

18

    1 to 49 workers

83

3,000

5,000

7,000

10,000

15,000

17

    50 to 99 workers

80

3,000

5,000

6,000

10,000

12,000

20

100 workers or more

82

4,000

5,000

10,000

12,000

15,000

18

    100 to 499 workers

85

4,000

5,000

7,500

10,000

15,000

15

    500 workers or more

79

4,000

6,000

10,000

15,000

17,300

21

Geographic areas

 

 

 

 

 

 

 

New England

86

4,167

5,000

7,500

10,000

15,000

14

Middle Atlantic

83

3,000

5,000

8,000

10,000

15,000

17

East North Central

75

3,000

5,000

7,000

10,000

15,000

25

West North Central

81

4,000

5,000

10,000

10,000

15,000

19

South Atlantic

82

3,500

5,000

7,500

10,000

15,000

18

West South Central

81

4,000

5,000

8,000

10,000

15,000

19

Mountain

85

4,000

5,000

8,000

12,000

20,000

15

Pacific

83

4,000

5,000

10,000

15,000

17,300

17

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.