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

Table 22. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2013

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

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

45

37

16

1

Worker characteristics

        

Management, professional, and related

50

36

–

–

    Management, business, and financial

52

36

11

1

    Professional and related

49

36

13

2

        Teachers

45

37

16

2

            Primary, secondary, and special education
             school teachers

43

40

14

3

        Registered nurses

52

31

–

–

Service

33

31

35

1

    Protective service

38

43

–

–

Sales and office

47

35

17

1

    Sales and related

47

33

19

1

    Office and administrative support

47

36

16

1

Natural resources, construction, and maintenance

42

44

11

2

    Construction, extraction, farming, fishing, and
     forestry

35

48

13

4

    Installation, maintenance, and repair

47

42

–

–

Production, transportation, and material moving

43

43

13

2

    Production

38

51

10

1

    Transportation and material moving

49

33

16

2

Full time

46

39

14

1

Part time

40

18

40

2

Union

47

34

15

4

Nonunion

45

38

17

1

Average wage within the following categories:3

        

    Lowest 25 percent

32

32

35

1

        Lowest 10 percent

29

–

49

–

    Second 25 percent

43

41

16

1

    Third 25 percent

46

39

–

–

    Highest 25 percent

52

35

12

2

        Highest 10 percent

53

33

13

2

Establishment characteristics

        

Goods-producing industries

41

47

10

1

Service-providing industries

46

34

18

1

    Education and health services

42

35

21

2

        Educational services

46

36

14

4

            Elementary and secondary schools

40

44

10

6

            Junior colleges, colleges, and universities

62

23

–

–

        Healthcare and social assistance

39

35

24

1

            Hospitals

55

28

15

1

    Public administration

52

37

9

2

1 to 99 workers

31

40

28

1

    1 to 49 workers

31

38

31

1

    50 to 99 workers

34

45

21

1

100 workers or more

53

35

10

2

    100 to 499 workers

44

44

11

1

    500 workers or more

61

27

10

2

Geographic areas

        

New England

54

45

–

–

Middle Atlantic

20

24

56

1

East North Central

56

40

–

4

South Atlantic

53

47

–

1

East South Central

48

50

–

–

West South Central

61

39

–

–

Mountain

52

47

–

1

Pacific

52

36

12

1

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.

3Surveyed 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."


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.