Long-term disability plans: Employee contribution requirement

Table 28. Long-term disability plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey, March
2012

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

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

9

91

Worker characteristics

   

Management, professional, and related

10

90

    Management, business, and financial

8

92

    Professional and related

11

89

        Teachers

19

81

            Primary, secondary, and special education
             school teachers

22

78

Service

13

87

    Protective service

22

78

Sales and office

9

91

    Sales and related

9

91

    Office and administrative support

8

92

Natural resources, construction, and maintenance

11

89

    Installation, maintenance, and repair

12

88

Production, transportation, and material moving

7

93

    Production

7

93

    Transportation and material moving

6

94

Full time

10

90

Union

13

87

Nonunion

9

91

Average wage within the following categories:2

   

    Lowest 25 percent

10

90

    Second 25 percent

9

91

    Third 25 percent

10

90

    Highest 25 percent

9

91

        Highest 10 percent

10

90

Establishment characteristics

   

Goods-producing industries

9

91

Service-providing industries

10

90

    Education and health services

12

88

        Educational services

17

83

            Elementary and secondary schools

21

79

            Junior colleges, colleges, and universities

12

88

        Healthcare and social assistance

8

92

            Hospitals

9

91

    Public administration

16

84

1 to 99 workers

7

93

    1 to 49 workers

6

94

    50 to 99 workers

7

93

100 workers or more

11

89

    100 to 499 workers

9

91

    500 workers or more

12

88

Geographic areas

   

New England

5

95

Middle Atlantic

9

91

East North Central

11

89

West North Central

9

91

South Atlantic

9

91

East South Central

7

93

West South Central

9

91

Pacific

7

93

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.


NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20112012.htm.

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, 2010." See Technical Note for
more details.