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 2013

(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

96

4

    Management, business, and financial

96

3

    Professional and related

96

4

Service

95

3

    Protective service

98

Sales and office

95

4

1

[1]

    Sales and related

90

10

    Office and administrative support

96

3

1

[1]

Natural resources, construction, and maintenance

90

6

2

2

    Construction, extraction, farming, fishing, and
     forestry

86

4

    Installation, maintenance, and repair

92

5

1

2

Production, transportation, and material moving

91

3

4

2

    Production

90

2

6

2

    Transportation and material moving

92

4

2

2

Full time

95

4

1

1

Part time

87

10

Union

76

9

10

5

Nonunion

96

3

[1]

[1]

Average wage within the following categories:2

       

    Lowest 25 percent

94

4

        Lowest 10 percent

86

    Second 25 percent

96

3

1

1

    Third 25 percent

94

4

2

1

    Highest 25 percent

94

4

1

[1]

        Highest 10 percent

94

5

Establishment characteristics

       

Goods-producing industries

91

3

4

2

    Construction

91

6

3

    Manufacturing

92

2

5

2

Service-providing industries

95

4

1

[1]

    Trade, transportation, and utilities

88

10

1

2

        Wholesale trade

90

7

        Retail trade

81

17

        Transportation and warehousing

97

        Utilities

75

20

    Information

92

8

    Financial activities

97

2

        Finance and insurance

97

2

            Credit intermediation and related activities

97

3

            Insurance carriers and related activities

97

2

        Real estate and rental and leasing

94

    Professional and business services

97

3

        Professional and technical services

98

        Administrative and waste services

98

    Education and health services

98

1

[1]

        Educational services

97

3

            Junior colleges, colleges, and universities

96

4

[1]

        Healthcare and social assistance

98

1

    Leisure and hospitality

100

        Accommodation and food services

100

    Other services

100

1 to 99 workers

95

3

1

[1]

    1 to 49 workers

95

4

    50 to 99 workers

97

2

100 workers or more

94

4

1

1

    100 to 499 workers

95

4

1

1

    500 workers or more

93

4

2

1

Geographic areas

       

New England

95

4

Middle Atlantic

94

4

East North Central

92

3

3

2

West North Central

95

3

South Atlantic

95

4

East South Central

93

6

West South Central

96

3

Mountain

94

5

Pacific

94

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/glossary20122013.htm.

2Surveyed occupations are classified into wage
categories based on the average wage for the
occupation, which may include workers with earnings
both above and below the threshold.  The categories
were formed using percentile estimates generated using
data from the National Compensation Survey
publication, "Employer Costs for Employee< /span>
Compensation - March 2013."