Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers,  National
Compensation Survey, March 2013

(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

87

$3,000

$5,000

$8,000

$10,000

$15,000

13

Worker characteristics

             

Management, professional, and related

87

4,000

5,000

10,000

12,000

16,000

13

    Management, business, and financial

89

4,000

6,000

10,000

13,000

20,000

11

    Professional and related

86

4,000

5,000

8,000

10,000

15,000

14

Service

87

3,000

5,000

6,000

10,000

12,500

13

Sales and office

89

3,000

5,000

8,000

12,000

20,000

11

    Sales and related

92

4,000

5,000

7,500

12,000

20,000

8

    Office and administrative support

88

3,000

5,000

9,000

12,000

20,000

12

Natural resources, construction, and maintenance

86

3,000

5,000

6,000

10,000

15,000

14

    Installation, maintenance, and repair

87

3,000

5,000

6,000

10,000

14,000

13

Production, transportation, and material moving

83

5,000

6,000

10,000

15,000

17

    Production

82

2,500

5,000

7,500

10,000

15,000

18

    Transportation and material moving

84

6,000

10,000

15,000

16

Full time

87

3,000

5,000

8,000

10,000

15,000

13

Part time

84

2,500

5,000

7,000

10,000

15,500

16

Union

86

3,000

5,000

8,000

12,500

14

Nonunion

87

3,000

5,000

8,000

11,000

15,000

13

Average wage within the following categories:2

             

    Lowest 25 percent

90

5,000

6,000

10,000

15,000

10

    Second 25 percent

87

3,000

5,000

7,500

10,000

15,000

13

    Third 25 percent

86

3,000

5,000

7,500

10,000

15,000

14

    Highest 25 percent

87

3,000

5,000

10,000

12,500

17,300

13

        Highest 10 percent

85

4,000

6,000

10,000

15,000

20,000

15

Establishment characteristics

             

Goods-producing industries

83

3,000

5,000

7,500

10,000

15,000

17

    Construction

93

5,000

5,000

6,000

10,000

15,000

7

    Manufacturing

82

3,000

5,000

7,500

10,500

15,000

18

Service-providing industries

88

3,000

5,000

8,000

10,000

16,000

12

    Trade, transportation, and utilities

86

5,000

6,000

10,000

15,000

14

        Wholesale trade

91

5,000

6,500

10,000

15,000

9

        Retail trade

91

2,800

5,000

5,000

10,000

15,000

9

        Transportation and warehousing

81

7,000

10,000

15,000

19

        Utilities

61

5,000

7,000

12,000

15,000

15,000

39

    Information

85

4,000

4,000

7,500

12,000

15,000

15

    Financial activities

91

2,500

6,000

10,000

18,000

25,000

9

        Finance and insurance

90

2,500

7,000

10,208

20,000

27,000

10

            Credit intermediation and related activities

92

2,500

6,000

10,000

20,833

30,000

8

            Insurance carriers and related activities

85

5,000

8,333

11,000

15,000

25,000

15

    Professional and business services

83

5,000

6,000

10,000

10,000

17,300

17

        Professional and technical services

92

5,000

6,000

10,000

10,000

20,000

8

    Education and health services

92

3,000

5,000

6,667

10,000

15,000

8

        Educational services

89

4,000

5,000

7,000

10,000

14,000

11

            Junior colleges, colleges, and universities

88

5,000

5,000

7,500

10,000

15,000

12

        Healthcare and social assistance

94

3,000

5,000

6,000

10,000

15,000

6

1 to 99 workers

89

3,000

5,000

7,500

10,000

15,000

11

    1 to 49 workers

90

3,000

5,000

7,000

10,000

15,000

10

    50 to 99 workers

88

4,000

5,000

8,000

10,000

15,000

12

100 workers or more

86

3,000

5,000

8,500

12,000

16,667

14

    100 to 499 workers

90

3,333

5,000

7,500

10,000

15,000

10

    500 workers or more

81

2,917

5,000

10,000

15,000

20,000

19

Geographic areas

             

New England

93

3,000

5,000

7,500

12,000

15,000

7

Middle Atlantic

87

2,500

5,000

6,000

10,000

15,000

13

East North Central

84

3,000

5,000

6,000

10,000

15,000

16

West North Central

79

4,000

5,000

10,000

12,000

16,667

21

South Atlantic

86

3,000

5,000

8,000

10,000

15,000

14

West South Central

91

5,000

7,560

10,000

15,000

9

Pacific

88

3,500

6,000

10,000

12,650

17,300

12

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/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 Compensation - March
2013."