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Employee Benefits Survey
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Standard Errors
Long-term disability plans: Maximum benefit amounts

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

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

1.0

$0.00

$0.00

$211.36

$891.29

$390.51

1.0

Worker characteristics

              

Management, professional, and related

1.2

97.40

281.60

786.25

518.95

1,808.44

1.2

    Management, business, and financial

1.5

502.81

682.85

0.00

1,797.02

260.24

1.5

    Professional and related

1.4

227.35

0.00

877.08

1,908.94

0.00

1.4

Service

3.2

731.50

0.00

400.82

0.00

1,805.76

3.2

Sales and office

1.3

0.00

0.00

1,037.86

313.77

0.00

1.3

    Sales and related

1.6

1,116.51

0.00

697.09

1,975.41

938.30

1.6

    Office and administrative support

1.4

0.00

0.00

1,330.04

360.99

1,520.91

1.4

Natural resources, construction, and maintenance

2.7

38.90

1,042.37

774.72

0.00

1,366.24

2.7

    Installation, maintenance, and repair

3.2

410.77

816.01

1,294.14

0.00

2,204.93

3.2

Production, transportation, and material moving

2.2

–

599.92

735.90

0.00

234.31

2.2

    Production

2.8

624.82

0.00

680.88

234.31

0.00

2.8

    Transportation and material moving

3.1

–

–

1,306.90

0.00

3,534.52

3.1

Full time

1.0

0.00

0.00

110.45

1,012.24

398.25

1.0

Part time

4.7

568.59

0.00

821.99

1,426.84

1,298.58

4.7

Union

3.2

–

393.06

0.00

1,669.01

2,116.54

3.2

Nonunion

1.0

705.62

0.00

681.40

1,457.96

921.93

1.0

Average wage within the following categories:2

              

    Lowest 25 percent

2.2

–

0.00

604.98

0.00

1,500.30

2.2

    Second 25 percent

1.5

187.45

0.00

174.89

0.00

0.00

1.5

    Third 25 percent

1.4

0.00

0.00

340.44

0.00

0.00

1.4

    Highest 25 percent

1.2

791.87

0.00

353.49

566.88

2,270.52

1.2

        Highest 10 percent

1.6

642.48

708.64

0.00

985.03

0.00

1.6

Establishment characteristics

              

Goods-producing industries

2.0

99.59

0.00

606.24

937.08

0.00

2.0

    Construction

1.6

1,482.98

0.00

1,405.84

0.00

3,441.83

1.6

    Manufacturing

2.3

25.93

0.00

935.77

1,580.00

0.00

2.3

Service-providing industries

1.0

106.26

0.00

114.88

1,239.11

1,362.86

1.0

    Trade, transportation, and utilities

2.2

–

0.00

853.21

0.00

0.00

2.2

        Wholesale trade

2.6

–

0.00

883.63

0.00

406.13

2.6

        Retail trade

2.8

797.89

0.00

1,316.94

410.02

3,240.08

2.8

        Transportation and warehousing

4.4

–

–

1,853.17

0.00

1,295.18

4.4

        Utilities

7.7

0.00

1,395.33

2,604.46

0.00

0.00

7.7

    Information

3.1

0.00

220.91

1,881.40

1,126.41

0.00

3.1

    Financial activities

1.2

390.51

162.70

0.00

3,478.64

781.02

1.2

        Finance and insurance

1.3

156.20

1,088.39

948.87

431.56

5,001.00

1.3

            Credit intermediation and related activities

1.4

0.00

748.63

0.00

290.95

781.02

1.4

            Insurance carriers and related activities

2.6

1,459.08

1,460.91

1,505.90

416.11

920.52

2.6

    Professional and business services

3.0

1,498.27

1,297.54

0.00

2,717.09

3,537.05

3.0

        Professional and technical services

2.3

1,361.76

349.28

0.00

1,922.19

5,902.20

2.3

    Education and health services

1.2

763.89

0.00

1,026.88

0.00

271.85

1.2

        Educational services

2.3

173.04

0.00

498.88

0.00

1,174.14

2.3

            Junior colleges, colleges, and universities

2.0

843.78

0.00

0.00

0.00

0.00

2.0

        Healthcare and social assistance

1.4

420.59

0.00

1,169.54

0.00

0.00

1.4

1 to 99 workers

1.4

416.54

0.00

375.00

0.00

0.00

1.4

    1 to 49 workers

1.6

156.20

0.00

946.12

0.00

0.00

1.6

    50 to 99 workers

2.2

764.38

78.10

1,509.97

110.45

0.00

2.2

100 workers or more

1.2

15.31

0.00

1,083.89

384.61

1,477.35

1.2

    100 to 499 workers

1.4

674.87

0.00

0.00

0.00

502.05

1.4

    500 workers or more

2.0

384.98

0.00

0.00

1,338.67

993.47

2.0

Geographic areas

              

New England

1.6

347.90

0.00

0.00

1,305.46

0.00

1.6

Middle Atlantic

3.2

506.16

0.00

584.16

1,001.25

0.00

3.2

East North Central

2.0

577.75

0.00

1,663.27

0.00

0.00

2.0

West North Central

4.3

281.40

382.62

0.00

1,181.49

3,633.16

4.3

South Atlantic

2.6

180.32

0.00

737.96

658.10

2,062.09

2.6

West South Central

1.1

–

0.00

2,043.20

1,324.29

0.00

1.1

Pacific

2.2

852.41

292.23

0.00

2,796.04

1,913.86

2.2

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: 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."