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

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014

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

Characteristics

With
maximum
benefit
amount

Maximum monthly benefit amount2

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

85

$3,000

$5,000

$7,500

$10,000

$15,000

15

Worker characteristics

             

Management, professional, and related

85

3,500

5,000

7,500

10,000

15,000

15

    Management, business, and financial

88

4,000

6,000

10,000

15,000

20,000

12

    Professional and related

83

3,000

5,000

7,000

10,000

15,000

17

        Teachers

72

3,900

5,000

7,000

10,000

28

            Primary, secondary, and special education
             school teachers

67

3,900

5,000

6,000

8,000

33

        Registered nurses

90

4,000

5,000

7,500

10,000

15,000

10

Service

83

3,000

5,000

6,000

10,000

13,000

17

    Protective service

72

5,000

8,000

10,000

28

Sales and office

87

3,000

5,000

8,000

12,000

20,000

13

    Sales and related

92

5,000

5,000

7,500

15,000

20,000

8

    Office and administrative support

86

2,500

5,000

8,000

11,000

20,000

14

Natural resources, construction, and maintenance

83

3,000

5,000

6,000

10,000

15,000

17

    Construction, extraction, farming, fishing, and
     forestry

75

3,000

5,000

6,000

10,000

15,000

25

    Installation, maintenance, and repair

88

3,000

4,800

6,000

10,000

13,500

12

Production, transportation, and material moving

81

5,000

6,000

10,000

15,000

19

    Production

82

3,000

5,000

7,000

10,000

15,000

18

    Transportation and material moving

79

3,000

6,000

10,000

21

Full time

85

3,000

5,000

7,500

10,000

15,000

15

Part time

81

2,500

5,000

7,000

10,000

15,000

19

Union

74

3,200

5,000

7,500

10,000

26

Nonunion

87

3,000

5,000

7,500

10,000

15,000

13

Average wage within the following categories3:

             

    Lowest 25 percent

86

3,000

5,000

6,000

10,000

15,000

14

    Second 25 percent

86

2,500

5,000

7,000

10,000

15,000

14

    Third 25 percent

84

3,000

5,000

7,000

10,000

15,000

16

    Highest 25 percent

85

3,000

5,000

8,000

12,000

16,000

15

        Highest 10 percent

84

4,000

5,000

10,000

15,000

20,000

16

Establishment characteristics

             

Goods-producing industries

84

3,000

5,000

7,500

10,000

15,000

16

Service-providing industries

85

3,000

5,000

7,500

10,000

15,000

15

    Education and health services

84

3,000

5,000

6,000

10,000

15,000

16

        Educational services

72

3,900

5,000

7,500

10,000

28

            Elementary and secondary schools

67

3,900

5,000

6,000

8,000

33

            Junior colleges, colleges, and universities

79

5,000

7,000

10,000

14,500

21

        Health care and social assistance

92

5,000

6,000

10,000

15,000

8

            Hospitals

90

5,000

7,500

10,000

15,000

10

    Public administration

67

3,900

5,000

6,500

10,000

33

1 to 99 workers

89

3,000

5,000

7,000

10,000

15,000

11

    1 to 49 workers

90

3,000

5,000

6,000

10,000

15,000

10

    50 to 99 workers

87

4,000

5,000

7,500

10,000

15,000

13

100 workers or more

83

5,000

7,500

10,000

15,000

17

    100 to 499 workers

86

3,000

5,000

7,500

10,000

15,000

14

    500 workers or more

80

2,500

5,000

8,000

12,000

16,667

20

Geographic areas

             

Northeast

89

2,800

5,000

7,500

11,000

15,000

11

    New England

94

3,000

5,000

7,500

11,000

15,000

6

    Middle Atlantic

88

2,500

5,000

7,000

12,000

15,000

12

South

88

3,000

5,000

7,500

10,000

15,000

12

    South Atlantic

88

2,500

5,000

8,000

10,000

15,000

12

    East South Central

89

3,000

5,000

7,000

10,000

15,000

11

    West South Central

89

5,000

7,500

10,000

15,000

11

Midwest

78

3,000

5,000

6,000

10,000

15,000

22

    East North Central

79

3,000

5,000

6,000

10,000

15,000

21

    West North Central

78

3,200

5,000

7,000

10,000

16,666

22

West

83

3,000

5,000

9,000

10,500

18,000

17

    Mountain

81

5,000

7,500

12,000

20,000

19

    Pacific

84

3,000

5,000

10,000

10,000

17,300

16

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.

2The 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&nb sp;shown. The remaining percentiles follow the same logic.

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 ECEC data for March 2014.


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/glossary20132014.htm.