Short-term disability plans: Method of funding

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

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

43

38

Worker characteristics

       

Management, professional, and related

48

37

    Management, business, and financial

49

38

    Professional and related

48

36

Service

29

40

    Protective service

42

34

Sales and office

46

35

    Sales and related

48

31

    Office and administrative support

46

37

Natural resources, construction, and maintenance

40

42

    Construction, extraction, farming, fishing, and
     forestry

27

45

    Installation, maintenance, and repair

48

40

Production, transportation, and material moving

40

45

    Production

40

49

    Transportation and material moving

40

39

Full time

44

40

Part time

35

47

Union

43

34

Nonunion

43

38

Average wage within the following categories:2

       

    Lowest 25 percent

31

39

        Lowest 10 percent

31

52

    Second 25 percent

40

41

    Third 25 percent

43

40

    Highest 25 percent

50

35

        Highest 10 percent

51

32

Establishment characteristics

       

Goods-producing industries

42

45

    Construction

47

24

    Manufacturing

47

45

Service-providing industries

44

35

    Trade, transportation, and utilities

44

35

        Wholesale trade

41

44

14

        Utilities

72

22

    Information

64

26

    Financial activities

61

27

        Finance and insurance

69

24

            Credit intermediation and related activities

71

23

            Insurance carriers and related activities

67

28

5

        Real estate and rental and leasing

47

35

    Professional and business services

37

44

        Professional and technical services

31

54

        Administrative and waste services

33

42

    Education and health services

39

35

        Educational services

46

31

            Junior colleges, colleges, and universities

58

28

        Healthcare and social assistance

38

35

    Leisure and hospitality

30

41

        Accommodation and food services

32

39

    Other services

43

41

1 to 99 workers

31

39

    1 to 49 workers

37

33

    50 to 99 workers

36

44

100 workers or more

52

36

    100 to 499 workers

44

43

    500 workers or more

59

29

Geographic areas

       

Middle Atlantic

23

58

East North Central

59

38

South Atlantic

51

48

East South Central

48

50

West South Central

58

41

Mountain

56

43

Pacific

40

45

1Employer 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.

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.