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Employee Benefits Survey
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Short-term disability plans: Method of funding Standard Errors

Table 22. Standard errors for short-term disability plans: Method of funding,
civilian workers,1 National Compensation Survey, March 2010

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

1.0

0.9

0.9

0.3

Worker characteristics

 

 

 

 

Management, professional, and related

1.4

1.6

0.7

0.5

    Management, business, and financial

2.1

1.8

0.9

0.6

    Professional and related

1.6

1.9

0.8

0.6

        Teachers

3.5

3.3

2.0

2.1

            Primary, secondary, and special education
             school teachers

4.5

4.7

–

–

        Registered nurses

3.5

4.0

3.4

1.0

Service

3.4

2.2

3.8

0.6

    Protective service

5.5

6.4

2.4

1.9

Sales and office

1.2

1.2

0.8

0.4

    Sales and related

2.3

2.1

1.2

0.6

    Office and administrative support

1.4

1.4

0.9

0.4

Natural resources, construction, and maintenance

2.0

2.3

2.0

1.2

    Construction, extraction, farming, fishing, and
     forestry

2.7

3.6

3.1

2.1

    Installation, maintenance, and repair

2.6

2.6

2.1

1.0

Production, transportation, and material moving

1.5

1.4

0.9

0.6

    Production

2.0

1.8

1.4

0.6

    Transportation and material moving

2.1

2.2

1.2

1.1

Full time

0.9

0.9

0.6

0.3

Part time

4.5

1.8

5.3

0.6

Union

1.8

1.7

1.5

1.0

Nonunion

1.1

1.0

0.8

0.3

Average wage within the following categories:3

 

 

 

 

    Lowest 25 percent

3.0

2.2

3.0

0.4

        Lowest 10 percent

6.4

3.4

6.9

0.3

    Second 25 percent

1.5

1.3

1.3

0.5

    Third 25 percent

1.3

1.4

0.8

0.5

    Highest 25 percent

1.3

1.4

0.9

0.4

        Highest 10 percent

1.9

2.0

1.2

0.6

Establishment characteristics

 

 

 

 

Goods-producing industries

1.8

1.4

1.5

0.6

Service-providing industries

1.3

1.0

1.3

0.4

    Education and health services

1.8

2.5

1.2

0.8

        Educational services

2.9

3.3

1.9

2.1

            Elementary and secondary schools

4.1

4.7

–

–

            Junior colleges, colleges, and universities

2.6

2.4

0.9

0.4

        Health care and social assistance

2.0

2.8

1.3

0.5

            Hospitals

2.9

3.1

2.1

0.9

    Public administration

3.8

3.2

1.4

2.1

1 to 99 workers

1.4

1.9

1.9

0.4

    1 to 49 workers

1.8

1.9

1.7

0.5

    50 to 99 workers

2.2

3.0

2.9

0.7

100 workers or more

1.1

1.1

0.6

0.4

    100 to 499 workers

1.5

2.1

1.2

0.4

    500 workers or more

1.4

1.3

1.0

0.6

Geographic areas

 

 

 

 

New England

3.6

3.8

–

–

Middle Atlantic

1.6

1.2

1.7

0.6

East North Central

1.8

1.8

–

0.9

West North Central

2.5

2.2

–

1.2

South Atlantic

2.1

2.1

–

1.0

East South Central

7.1

6.9

–

–

West South Central

2.6

2.8

–

1.0

Mountain

3.1

2.8

–

–

Pacific

3.3

3.1

1.2

0.5

Footnotes:

1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector,
except the federal government. See Technical Note for further explanation.

2Employer assumes all risks and expenses of providing the benefit.

3The 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, 2009." See Technical Note for more details.


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/glossary20092010.htm.