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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, private industry
workers,  National Compensation Survey, March 2014

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

43

39

17

1

Worker characteristics

       

Management, professional, and related

47

39

13

1

    Management, business, and financial

50

39

10

1

    Professional and related

45

39

Service

34

40

Sales and office

46

35

18

[2]

    Sales and related

47

34

    Office and administrative support

46

36

Natural resources, construction, and maintenance

38

46

13

2

    Construction, extraction, farming, fishing, and
     forestry

29

48

19

5

    Installation, maintenance, and repair

45

45

Production, transportation, and material moving

42

43

13

1

    Production

39

50

10

1

    Transportation and material moving

47

34

18

1

Full time

44

41

15

1

Part time

35

45

Union

45

35

17

3

Nonunion

42

40

17

[2]

Average wage within the following categories3:

       

    Lowest 25 percent

32

38

        Lowest 10 percent

30

51

    Second 25 percent

39

42

    Third 25 percent

43

40

16

1

    Highest 25 percent

49

38

12

1

        Highest 10 percent

50

36

Establishment characteristics

       

Goods-producing industries

39

49

10

1

    Construction

22

50

24

4

    Manufacturing

42

48

8

1

Service-providing industries

44

36

20

1

    Trade, transportation, and utilities

47

37

        Wholesale trade

40

47

13

        Retail trade

42

36

        Transportation and warehousing

60

26

        Utilities

67

31

    Information

69

23

    Financial activities

64

25

        Finance and insurance

71

21

            Credit intermediation and related activities

74

20

            Insurance carriers and related activities

72

20

8

        Real estate and rental and leasing

49

29

    Professional and business services

37

43

        Professional and technical services

31

51

        Administrative and waste services

33

38

    Education and health services

36

39

24

1

        Educational services

38

38

            Junior colleges, colleges, and universities

55

30

        Health care and social assistance

36

40

24

1

    Leisure and hospitality

27

31

42

        Accommodation and food services

29

32

39

    Other services

36

49

1 to 99 workers

30

41

29

[2]

    1 to 49 workers

29

38

33

[2]

    50 to 99 workers

32

48

100 workers or more

51

37

10

1

    100 to 499 workers

44

45

10

1

    500 workers or more

59

29

11

2

Geographic areas

       

Northeast

25

25

49

1

    New England

50

49

    Middle Atlantic

20

20

60

[2]

South

52

48

    South Atlantic

49

51

    East South Central

46

53

    West South Central

59

41

Midwest

55

42

3

    East North Central

54

42

3

    West North Central

58

42

West

45

46

    Mountain

47

53

    Pacific

44

41

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

2Less than 0.5.

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.