Short-term disability plans: Method of funding

Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2012

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

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

44

36

Worker characteristics

       

Management, professional, and related

49

35

    Management, business, and financial

50

37

    Professional and related

48

33

        Teachers

44

14

        Registered nurses

51

29

Service

34

34

    Protective service

43

31

Sales and office

46

34

    Sales and related

48

31

    Office and administrative support

46

36

Natural resources, construction, and maintenance

41

41

    Construction, extraction, farming, fishing, and
     forestry

30

42

    Installation, maintenance, and repair

48

40

Production, transportation, and material moving

40

45

    Production

40

49

    Transportation and material moving

40

39

Full time

45

13

Part time

36

44

Union

43

15

Nonunion

44

38

Average wage within the following categories:3

       

    Lowest 25 percent

33

35

        Lowest 10 percent

30

50

    Second 25 percent

42

39

    Third 25 percent

45

38

    Highest 25 percent

50

34

        Highest 10 percent

51

31

Establishment characteristics

       

Goods-producing industries

42

45

Service-providing industries

44

34

    Education and health services

42

31

        Educational services

46

13

            Elementary and secondary schools

37

8

            Junior colleges, colleges, and universities

63

21

        Healthcare and social assistance

40

34

            Hospitals

54

25

    Public administration

52

22

1 to 99 workers

31

39

    1 to 49 workers

37

32

    50 to 99 workers

36

44

100 workers or more

51

10

    100 to 499 workers

44

42

    500 workers or more

58

9

Geographic areas

       

Middle Atlantic

18

55

East North Central

58

36

South Atlantic

53

45

East South Central

49

50

West South Central

57

41

Mountain

54

45

Pacific

47

39

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.

2Employer assumes all risks and expenses of
providing the benefit.


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.