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

Table 23. Short-term disability plans: Method of funding, State and local
government workers, National Compensation Survey, March 2011

(All workers with short-term disability coverage = 100 percent)

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

51

22

8

19

Worker characteristics

       

Management, professional, and related

52

21

9

18

    Professional and related

49

19

11

21

        Teachers

44

23

11

21

            Primary, secondary, and special education
             school teachers

40

28

Service

53

22

7

19

    Protective service

60

24

Sales and office

50

23

6

21

    Office and administrative support

49

24

6

21

Natural resources, construction, and maintenance

51

26

6

17

Production, transportation, and material moving

45

33

Full time

52

23

7

18

Part time

48

8

17

28

Union

44

21

12

23

Nonunion

59

24

2

14

Average wage within the following categories:2

       

    Lowest 25 percent

50

25

3

22

        Lowest 10 percent

49

25

3

23

    Second 25 percent

56

20

6

18

    Third 25 percent

49

26

8

17

    Highest 25 percent

51

18

13

18

Establishment characteristics

       

Service-providing industries

51

22

8

19

    Education and health services

49

22

8

21

        Educational services

45

24

9

23

            Elementary and secondary schools

36

29

6

29

            Junior colleges, colleges, and universities

70

16

        Health care and social assistance

70

11

            Hospitals

69

14

    Public administration

53

21

8

17

1 to 99 workers

53

35

    1 to 49 workers

63

32

6

    50 to 99 workers

40

100 workers or more

51

20

9

20

    100 to 499 workers

47

29

10

14

    500 workers or more

52

19

8

21

State government

83

11

Local government

38

29

6

27

Geographic areas

       

New England

46

Middle Atlantic

25

10

25

40

East North Central

48

20

32

South Atlantic

60

West South Central

56

41

Mountain

37

58

Pacific

76

13

8

3

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

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.


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/glossary20102011.htm.