Long-term disability plans: Maximum benefit amounts

Table 32. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2011

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

Characteristics

With
maximum
benefit
amount

Maximum monthly benefit amount2

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

80

$3,000

$5,000

$7,500

$10,000

$15,000

20

Worker characteristics

             

Management, professional, and related

81

3,250

5,000

7,500

10,000

15,000

19

    Management, business, and financial

84

4,000

5,000

10,000

12,250

17,300

16

    Professional and related

79

3,000

5,000

7,000

10,000

15,000

21

        Teachers

70

2,000

3,900

5,000

7,000

10,000

30

            Primary, secondary, and special education
             school teachers

65

1,500

3,000

5,000

6,000

8,000

35

        Registered nurses

85

3,000

5,000

7,000

10,000

15,000

15

Service

76

3,000

5,000

7,000

10,000

10,500

24

    Protective service

69

3,000

5,000

6,000

10,000

10,000

31

Sales and office

83

3,000

5,000

8,000

10,000

20,000

17

    Sales and related

87

3,000

5,000

7,500

12,000

20,000

13

    Office and administrative support

82

3,000

5,000

8,000

10,000

17,000

18

Natural resources, construction, and maintenance

81

3,000

4,000

5,000

10,000

15,000

19

    Construction, extraction, farming, fishing, and
     forestry

78

2,500

5,000

5,000

8,333

15,000

22

    Installation, maintenance, and repair

82

3,000

4,000

6,000

10,000

15,000

18

Production, transportation, and material moving

76

2,500

5,000

6,000

10,000

15,000

24

    Production

80

2,500

5,000

7,000

10,000

15,000

20

    Transportation and material moving

71

2,500

5,000

5,000

10,000

11,500

29

Full time

81

3,000

5,000

7,500

10,000

15,000

19

Union

66

2,500

4,000

5,000

8,000

10,000

34

Nonunion

83

3,000

5,000

7,500

10,000

15,000

17

Average wage within the following categories:3

             

    Lowest 25 percent

80

3,000

5,000

7,000

10,000

15,000

20

    Second 25 percent

80

3,000

5,000

6,000

10,000

15,000

20

    Third 25 percent

82

3,000

5,000

7,500

10,000

15,000

18

    Highest 25 percent

79

3,500

5,000

8,000

11,000

15,000

21

        Highest 10 percent

81

3,900

5,000

9,100

12,500

20,000

19

Establishment characteristics

             

Goods-producing industries

82

2,917

5,000

7,000

10,000

15,000

18

Service-providing industries

80

3,000

5,000

7,500

10,000

15,000

20

    Education and health services

78

2,500

5,000

6,000

10,000

12,000

22

        Educational services

71

2,000

3,900

5,000

7,500

10,000

29

            Elementary and secondary schools

67

33

            Junior colleges, colleges, and universities

80

3,600

5,000

7,000

10,000

13,000

20

        Health care and social assistance

84

3,000

5,000

6,000

10,000

15,000

16

            Hospitals

87

3,000

5,000

7,000

10,000

15,000

13

    Public administration

62

38

1 to 99 workers

83

3,000

5,000

7,000

10,000

15,000

17

    1 to 49 workers

83

3,000

5,000

7,500

10,000

15,000

17

    50 to 99 workers

82

3,000

5,000

6,000

10,000

13,890

18

100 workers or more

79

3,000

5,000

7,500

10,000

15,000

21

    100 to 499 workers

83

3,000

5,000

7,000

10,000

15,000

17

    500 workers or more

76

3,000

5,000

8,000

12,000

16,000

24

Geographic areas

             

New England

87

4,000

5,000

7,500

10,000

15,000

13

Middle Atlantic

84

3,000

5,000

7,000

10,000

15,000

16

East North Central

72

3,000

5,000

6,000

10,000

15,000

28

West North Central

75

3,000

5,000

6,000

10,000

15,000

25

South Atlantic

82

3,000

4,000

6,667

10,000

15,000

18

East South Central

88

3,000

5,000

8,000

10,000

15,000

12

West South Central

85

3,000

5,000

8,000

10,000

15,000

15

Mountain

74

4,000

5,000

7,500

12,000

20,000

26

Pacific

82

4,000

5,000

9,000

10,000

17,300

18

1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.

2The 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&nb sp;shown. The remaining percentiles follow the same logic.

3The 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, 2010." 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/glossary20102011.htm.