Standard Errors
Short-term disability plans: Method of funding

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

1.3

1.2

Worker characteristics

       

Management, professional, and related

2.1

2.2

    Management, business, and financial

2.0

2.1

    Professional and related

2.8

2.9

Service

3.0

2.7

    Protective service

11.4

7.4

Sales and office

1.4

1.4

    Sales and related

2.5

2.4

    Office and administrative support

1.7

1.7

Natural resources, construction, and maintenance

2.6

3.3

    Construction, extraction, farming, fishing, and
     forestry

4.6

5.4

    Installation, maintenance, and repair

3.3

3.9

Production, transportation, and material moving

1.7

1.8

    Production

1.9

2.3

    Transportation and material moving

2.9

2.7

Full time

1.3

1.3

Part time

3.3

2.9

Union

2.6

2.9

Nonunion

1.3

1.3

Average wage within the following categories:2

       

    Lowest 25 percent

2.8

3.6

        Lowest 10 percent

5.3

4.0

    Second 25 percent

2.0

2.1

    Third 25 percent

1.5

1.6

    Highest 25 percent

1.7

1.7

        Highest 10 percent

2.4

2.1

Establishment characteristics

       

Goods-producing industries

1.7

1.9

    Construction

3.3

2.7

    Manufacturing

2.0

2.0

Service-providing industries

1.6

1.5

    Trade, transportation, and utilities

1.9

2.1

        Wholesale trade

3.9

3.9

2.3

        Utilities

7.1

5.7

    Information

3.5

4.1

    Financial activities

3.4

2.3

        Finance and insurance

2.3

1.9

            Credit intermediation and related activities

2.7

2.5

            Insurance carriers and related activities

4.6

4.5

1.3

        Real estate and rental and leasing

11.2

10.1

    Professional and business services

3.8

3.9

        Professional and technical services

4.6

5.1

        Administrative and waste services

8.1

6.2

    Education and health services

3.4

3.0

        Educational services

3.6

3.3

            Junior colleges, colleges, and universities

2.4

2.3

        Healthcare and social assistance

4.1

3.7

    Leisure and hospitality

6.3

6.8

        Accommodation and food services

7.7

8.8

    Other services

6.5

7.0

1 to 99 workers

2.2

2.1

    1 to 49 workers

2.5

2.3

    50 to 99 workers

4.7

3.9

100 workers or more

1.4

1.3

    100 to 499 workers

1.6

1.9

    500 workers or more

2.3

1.6

Geographic areas

       

Middle Atlantic

2.3

2.8

East North Central

2.8

2.5

South Atlantic

3.5

3.6

East South Central

4.6

5.2

West South Central

3.7

3.7

Mountain

6.4

6.3

Pacific

3.0

3.3

1Employer assumes all risks and expenses of
providing the benefit.


NOTE: 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.