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Long-term disability insurance plans: Maximum benefit amounts Data Table

Table 20. Long-term disability insurance plans: Maximum benefit amounts, private industry workers,
National Compensation Survey, March 2008

(All workers participating in fixed percent of earnings long-term disabilty insurance plans = 100 percent)

Characteristics

No
maximum
benefit
amount

With
maximum
benefit
amount

Maximum benefit amount1

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

21

79

$3,000

$5,000

$7,500

$10,000

$15,000

Worker characteristics

             

Management, professional, and related

21

79

4,000

5,000

8,000

10,000

15,000

    Management, business, and financial

20

80

5,000

6,000

10,000

11,813

15,000

    Professional and related

21

79

3,000

5,000

7,500

10,000

15,000

Service

19

81

3,000

5,000

5,000

10,000

10,000

Sales and office

17

83

3,000

5,000

7,500

10,000

15,000

    Sales and related

15

85

3,000

4,800

6,667

10,000

15,000

    Office and administrative support

18

82

3,000

5,000

8,000

10,000

15,000

Natural resources, construction, and maintenance

24

76

3,399

4,000

5,000

10,000

15,000

    Construction, extraction, farming, fishing, and
     forestry

21

79

2,917

5,000

6,000

10,000

13,000

    Installation, maintenance, and repair

25

75

3,500

4,000

5,000

10,000

15,000

Production, transportation, and material moving

30

70

2,000

5,000

6,000

10,000

15,000

    Production

25

75

2,165

5,000

6,000

10,000

15,000

    Transportation and material moving

36

64

2,000

4,500

5,000

7,500

10,000

Full time

21

79

3,000

5,000

7,500

10,000

15,000

Part time

35

65

3,000

5,000

5,000

10,000

10,000

Union

28

72

1,821

4,000

5,000

6,000

13,000

Nonunion

21

79

3,000

5,000

7,500

10,000

15,000

Establishment characteristics

             

Goods-producing industries

23

77

2,917

5,000

7,000

10,000

15,000

    Construction

19

81

3,500

5,000

6,000

10,000

12,000

    Manufacturing

24

76

2,917

5,000

7,000

10,000

15,000

Service-providing industries

21

79

$3,000

$5,000

$7,500

$10,000

$15,000

    Trade, transportation, and utilities

30

70

2,800

5,000

6,000

10,000

15,000

        Wholesale trade

25

75

4,600

5,000

7,000

10,000

15,000

        Retail trade

18

82

1,385

3,000

5,000

6,000

10,000

        Transportation and warehousing

46

54

3,000

5,000

6,000

8,000

10,000

        Utilities

42

58

3,399

5,000

15,000

15,000

15,000

    Information

8

92

3,000

4,000

4,000

10,000

12,000

    Financial activities

19

81

4,000

7,000

10,000

15,000

20,000

        Finance and insurance

19

81

5,000

7,000

10,000

15,000

20,000

            Credit intermediation and related activities

16

84

5,000

7,500

10,000

15,000

20,000

            Insurance carriers and related activities

26

74

4,000

6,000

10,000

12,000

15,000

    Professional and business services

20

80

4,000

5,000

10,000

10,000

15,000

        Professional and technical services

16

84

4,000

5,000

10,000

10,000

15,000

        Administrative and waste services

14

86

3,000

5,000

10,000

12,500

17,300

    Education and health services

15

85

3,000

5,000

6,000

10,000

12,000

        Educational services

16

84

4,000

5,000

6,000

10,000

12,500

            Junior colleges, colleges, and universities

12

88

4,000

5,000

7,000

10,000

14,500

        Health care and social assistance

14

86

3,000

5,000

6,000

10,000

10,500

    Other services

55

45

3,000

5,000

5,000

8,000

10,000

1 to 99 workers

20

80

3,000

5,000

6,000

10,000

10,000

    1 to 49 workers

20

80

3,000

5,000

6,000

10,000

12,500

    50 to 99 workers

20

80

3,000

5,000

5,000

8,000

10,000

100 workers or more

22

78

3,000

5,000

8,000

10,000

15,000

    100 to 499 workers

20

80

3,000

5,000

7,000

10,000

15,000

    500 workers or more

23

77

3,000

5,000

10,000

12,500

16,667

Geographic areas

             

Metropolitan areas

21

79

3,000

5,000

7,500

10,000

15,000

Nonmetropolitan areas

22

78

3,000

5,000

6,000

10,000

15,000

New England

24

76

3,000

5,000

7,500

10,000

15,000

Middle Atlantic

20

80

3,000

5,000

6,000

10,000

15,000

East North Central

26

74

3,000

5,000

6,000

10,000

15,000

West North Central

15

85

4,000

5,000

6,000

10,000

12,000

South Atlantic

21

79

3,000

5,000

7,000

10,000

15,000

East South Central

87

2,500

5,000

7,000

10,000

15,000

West South Central

19

81

3,000

5,000

8,500

10,000

15,000

Mountain

26

74

5,000

6,000

8,000

10,000

15,000

Pacific

23

77

3,250

6,000

10,000

10,000

17,300

Footnotes:

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 receive 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.