Short-term disability plans: method of funding Data Table

Table 22. Short-term disability plans: Method of funding, private industry
workers,  National Compensation Survey, March 2010

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

46

35

16

2

Worker characteristics

 

 

 

 

Management, professional, and related

50

35

13

2

    Management, business, and financial

51

36

11

1

    Professional and related

49

35

14

2

Service

34

34

32

1

    Protective service

29

50

Sales and office

49

32

17

1

    Sales and related

51

29

19

1

    Office and administrative support

49

34

17

1

Natural resources, construction, and maintenance

39

39

15

7

    Construction, extraction, farming, fishing, and
     forestry

24

43

20

13

    Installation, maintenance, and repair

49

36

12

3

Production, transportation, and material moving

45

40

12

3

    Production

47

41

9

2

    Transportation and material moving

44

38

15

4

Full time

47

37

13

2

Part time

39

18

43

1

Union

45

32

16

7

Nonunion

46

36

17

1

Average wage within the following categories:2

 

 

 

 

    Lowest 25 percent

37

30

32

1

        Lowest 10 percent

34

47

    Second 25 percent

44

38

16

2

    Third 25 percent

44

39

14

2

    Highest 25 percent

52

32

13

3

        Highest 10 percent

53

32

13

3

Establishment characteristics

 

 

 

 

Goods-producing industries

46

40

10

4

    Construction

15

42

31

13

    Manufacturing

52

39

7

2

Service-providing industries

46

34

18

2

    Trade, transportation, and utilities

49

30

19

2

        Wholesale trade

44

39

        Retail trade

52

24

22

1

        Transportation and warehousing

46

33

15

6

        Utilities

62

26

    Information

61

27

    Financial activities

64

27

        Finance and insurance

70

24

6

[3]

            Credit intermediation and related activities

73

21

            Insurance carriers and related activities

63

31

        Real estate and rental and leasing

50

25

    Professional and business services

42

40

        Professional and technical services

39

43

17

        Administrative and waste services

36

41

    Education and health services

36

40

22

3

        Educational services

53

31

            Junior colleges, colleges, and universities

64

29

7

[3]

        Health care and social assistance

32

42

23

3

    Leisure and hospitality

39

34

        Accommodation and food services

41

30

    Other services

12

39

49

1 to 99 workers

33

38

27

2

    1 to 49 workers

30

38

30

2

    50 to 99 workers

39

38

21

2

100 workers or more

54

34

10

2

    100 to 499 workers

47

39

12

2

    500 workers or more

60

29

8

3

Geographic areas

 

 

 

 

New England

54

43

Middle Atlantic

20

23

56

2

East North Central

59

38

3

West North Central

57

40

3

South Atlantic

56

43

1

East South Central

56

43

West South Central

60

37

3

Mountain

60

38

Pacific

46

40

11

3

Footnotes:

1Employer assumes all risks and expenses of providing the benefit.

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.

3Less than 0.5 percent.


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.