Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
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 amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

64

$3,900

$5,000

$6,000

$9,000

36

Worker characteristics

             

Management, professional, and related

66

3,900

5,000

6,000

8,000

34

    Professional and related

64

3,900

5,000

6,000

8,000

36

        Teachers

64

3,900

5,000

6,000

8,000

36

            Primary, secondary, and special education
             school teachers

61

3,500

5,000

5,250

8,000

39

Service

62

3,900

5,000

7,000

10,000

38

    Protective service

62

4,500

5,000

7,500

10,000

38

Sales and office

58

5,000

6,000

9,000

42

    Office and administrative support

59

3,000

5,000

6,000

9,000

41

Natural resources, construction, and maintenance

64

3,900

5,000

6,000

7,500

36

Production, transportation, and material moving

77

3,000

5,000

7,000

10,000

23

Full time

65

3,900

5,000

6,000

9,000

35

Part time

49

5,000

6,000

8,100

51

Union

62

$2,000

3,500

5,000

6,000

9,000

38

Nonunion

67

3,900

5,000

6,000

9,000

33

Average wage within the following categories:2

             

    Lowest 25 percent

60

3,900

5,000

6,000

8,000

40

        Lowest 10 percent

55

3,900

5,000

7,000

10,000

45

    Second 25 percent

64

5,000

6,000

9,000

36

    Third 25 percent

65

3,900

5,000

6,000

9,400

35

    Highest 25 percent

67

4,000

5,000

6,000

9,400

33

        Highest 10 percent

69

2,500

4,400

5,000

7,000

8,000

31

Establishment characteristics

             

Service-providing industries

64

3,900

5,000

6,000

9,000

36

    Education and health services

63

3,900

5,000

6,000

8,000

37

        Educational services

64

3,900

5,000

6,000

8,000

36

            Elementary and secondary schools

63

3,500

5,000

5,500

8,000

37

        Healthcare and social assistance

58

800

4,000

5,000

7,000

8,000

42

    Public administration

63

5,000

6,000

9,000

37

1 to 99 workers

65

3,900

5,000

5,000

7,000

35

    1 to 49 workers

74

3,900

3,900

5,000

7,000

26

    50 to 99 workers

57

3,000

4,000

5,000

5,000

43

100 workers or more

64

3,900

5,000

6,000

9,500

36

    100 to 499 workers

59

3,900

5,000

6,000

9,100

41

    500 workers or more

66

3,900

5,000

6,000

10,000

34

State government

59

5,000

7,000

10,000

41

Local government

66

3,900

5,000

6,000

9,000

34

Geographic areas

             

Middle Atlantic

77

3,000

5,000

7,000

7,500

23

East North Central

44

3,000

4,500

5,250

7,000

10,000

56

West North Central

58

3,000

4,400

5,000

5,000

42

South Atlantic

80

800

3,900

5,000

8,000

20

Mountain

44

5,000

5,000

7,000

10,000

56

Pacific

62

3,000

5,000

5,000

6,000

10,000

38

1The 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.

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.