Long-term disability plans: Method of benefit payment

Table 29. Long-term disability plans: Method of benefit payment, private
industry workers,  National Compensation Survey, March 2012

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

Characteristics

Fixed
percent of
annual
earnings

Percent
varies by
annual
earnings

Flat dollar
amounts

Other

All workers

94

4

1

1

Worker characteristics

       

Management, professional, and related

95

4

[1]

[1]

    Management, business, and financial

94

5

    Professional and related

96

3

Service

95

3

Sales and office

94

5

[1]

1

    Sales and related

91

9

    Office and administrative support

95

3

1

1

Natural resources, construction, and maintenance

87

7

3

2

    Construction, extraction, farming, fishing, and
     forestry

83

6

    Installation, maintenance, and repair

89

6

2

3

Production, transportation, and material moving

90

3

5

2

    Production

88

3

7

2

    Transportation and material moving

92

3

2

3

Full time

94

4

1

1

Union

77

9

9

5

Nonunion

96

4

[1]

[1]

Average wage within the following categories:2

       

    Lowest 25 percent

94

5

        Lowest 10 percent

81

    Second 25 percent

96

3

1

1

    Third 25 percent

94

4

2

1

    Highest 25 percent

93

5

1

1

        Highest 10 percent

94

6

Establishment characteristics

       

Goods-producing industries

90

4

5

2

    Construction

89

5

    Manufacturing

90

2

5

2

Service-providing industries

95

4

[1]

[1]

    Trade, transportation, and utilities

89

9

1

2

        Wholesale trade

94

3

        Retail trade

79

19

        Transportation and warehousing

97

        Utilities

76

24

    Information

91

9

    Financial activities

94

5

        Finance and insurance

94

6

            Credit intermediation and related activities

91

8

            Insurance carriers and related activities

95

4

        Real estate and rental and leasing

97

    Professional and business services

97

3

        Professional and technical services

98

2

        Administrative and waste services

98

    Education and health services

98

2

        Educational services

96

2

            Junior colleges, colleges, and universities

96

3

[1]

        Healthcare and social assistance

98

1

    Leisure and hospitality

100

        Accommodation and food services

100

    Other services

95

1 to 99 workers

94

4

1

[1]

    1 to 49 workers

94

5

1

[1]

    50 to 99 workers

96

3

1

1

100 workers or more

94

4

2

1

    100 to 499 workers

94

5

1

1

    500 workers or more

93

4

2

1

Geographic areas

       

New England

95

5

Middle Atlantic

94

3

East North Central

91

4

4

2

West North Central

94

3

South Atlantic

95

4

East South Central

92

7

West South Central

95

4

Mountain

95

4

Pacific

95

5

1Less than 0.5.


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&nb sp;details.