Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2012

(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

82

$3,000

$5,000

$7,500

$10,000

$15,000

18

Worker characteristics

             

Management, professional, and related

82

3,900

5,000

8,000

10,000

15,000

18

    Management, business, and financial

86

4,000

6,000

10,000

13,000

20,000

14

    Professional and related

80

3,000

5,000

7,500

10,000

15,000

20

        Teachers

70

3,900

5,000

7,000

10,000

30

            Primary, secondary, and special education
             school teachers

66

3,900

5,000

6,000

8,000

34

        Registered nurses

88

3,000

5,000

7,000

10,000

15,000

12

Service

75

3,000

5,000

6,000

10,000

10,000

25

    Protective service

68

3,000

5,000

6,000

8,000

10,000

32

Sales and office

85

3,000

5,000

8,000

11,250

20,000

15

    Sales and related

88

5,000

7,500

12,000

20,000

12

    Office and administrative support

84

3,000

5,000

8,000

11,000

20,000

16

Natural resources, construction, and maintenance

82

3,000

4,800

6,000

10,000

15,000

18

    Construction, extraction, farming, fishing, and
     forestry

76

2,917

5,000

7,000

24

    Installation, maintenance, and repair

84

3,000

5,000

7,500

10,000

15,000

16

Production, transportation, and material moving

76

2,500

5,000

6,000

10,000

15,000

24

    Production

81

2,500

5,000

7,000

10,000

15,000

19

    Transportation and material moving

72

5,000

6,000

10,000

13,000

28

Full time

82

3,000

5,000

7,500

10,000

15,000

18

Union

66

2,500

4,000

5,000

8,000

11,000

34

Nonunion

84

3,000

5,000

8,000

10,000

15,000

16

Average wage within the following categories:3

             

    Lowest 25 percent

79

3,000

5,000

6,000

10,000

15,000

21

    Second 25 percent

81

3,000

5,000

7,000

10,000

15,000

19

    Third 25 percent

82

3,000

5,000

7,500

10,000

15,000

18

    Highest 25 percent

82

3,900

5,000

8,000

12,000

17,300

18

        Highest 10 percent

82

4,000

6,000

10,000

13,500

20,000

18

Establishment characteristics

             

Goods-producing industries

82

2,917

5,000

7,000

10,000

15,000

18

Service-providing industries

82

3,000

5,000

7,500

10,000

15,000

18

    Education and health services

80

3,000

5,000

6,000

10,000

12,500

20

        Educational services

72

3,900

5,000

7,500

10,000

28

            Elementary and secondary schools

67

3,900

5,000

6,000

8,000

33

            Junior colleges, colleges, and universities

79

5,000

7,000

10,000

13,000

21

        Healthcare and social assistance

86

3,000

5,000

6,600

10,000

15,000

14

            Hospitals

89

5,000

7,000

10,000

15,000

11

    Public administration

63

5,000

6,000

9,000

37

1 to 99 workers

85

3,000

5,000

7,500

10,000

15,000

15

    1 to 49 workers

87

3,000

5,000

7,500

10,000

15,000

13

    50 to 99 workers

83

3,500

5,000

7,000

10,000

13,890

17

100 workers or more

80

3,000

5,000

7,500

10,000

15,000

20

    100 to 499 workers

85

3,333

5,000

7,500

10,000

15,000

15

    500 workers or more

77

2,917

5,000

8,000

12,500

17,300

23

Geographic areas

             

New England

92

4,167

5,000

7,500

10,000

15,000

8

Middle Atlantic

85

2,500

5,000

7,000

10,000

15,000

15

East North Central

73

3,000

5,000

6,000

10,000

15,000

27

West North Central

71

3,500

5,000

7,000

10,000

29

South Atlantic

85

3,000

5,000

7,500

10,000

15,000

15

West South Central

86

3,000

5,000

7,500

10,000

15,000

14

Mountain

77

3,000

5,000

8,000

20,000

23

Pacific

83

3,500

5,000

10,000

10,000

17,300

17

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.

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.

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 re ceive the same or less
than the benefit shown. The remaining percentiles follow the same logic.


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/glossary20112012.htm.