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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, private industry workers,  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 amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

88

$3,000

$5,000

$8,000

$10,500

$15,000

12

Worker characteristics

             

Management, professional, and related

89

4,000

5,000

9,500

12,500

17,500

11

    Management, business, and financial

89

5,000

6,000

10,000

15,000

11

    Professional and related

89

4,000

5,000

7,500

10,000

15,000

11

Service

91

3,333

5,000

7,500

10,000

15,000

9

Sales and office

90

3,000

5,000

8,000

12,000

20,000

10

    Sales and related

93

5,000

5,000

8,000

15,000

20,000

7

    Office and administrative support

89

2,500

5,000

8,000

12,000

20,000

11

Natural resources, construction, and maintenance

87

3,000

5,000

6,000

10,000

15,000

13

    Installation, maintenance, and repair

89

3,000

5,000

6,000

10,000

15,000

11

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

88

3,000

5,000

8,000

11,000

15,000

12

Part time

88

2,500

5,000

7,000

15,000

12

Union

84

3,000

5,000

10,000

12,500

16

Nonunion

88

5,000

8,000

12,000

16,000

12

Average wage within the following categories2:

             

    Lowest 25 percent

90

3,000

5,000

6,000

10,000

15,000

10

    Second 25 percent

89

2,500

5,000

7,500

10,000

15,000

11

    Third 25 percent

87

3,000

5,000

7,500

10,000

15,000

13

    Highest 25 percent

88

4,000

5,000

10,000

12,650

20,000

12

        Highest 10 percent

87

5,000

6,000

10,000

15,000

20,000

13

Establishment characteristics

             

Goods-producing industries

85

3,000

5,000

8,000

10,000

15,000

15

    Construction

92

5,000

5,000

10,000

15,000

8

    Manufacturing

85

3,000

5,000

8,000

10,000

15,000

15

Service-providing industries

89

3,000

5,000

8,000

11,000

16,667

11

    Trade, transportation, and utilities

86

5,000

7,000

10,000

15,000

14

        Wholesale trade

90

5,000

7,500

10,000

15,000

10

        Retail trade

93

3,000

5,000

6,000

9,000

12,000

7

        Transportation and warehousing

79

10,000

15,000

21

        Utilities

63

5,000

12,000

15,000

15,000

37

    Information

88

4,000

4,000

10,000

12,000

16,000

12

    Financial activities

91

2,500

6,000

10,000

20,000

30,000

9

        Finance and insurance

90

2,500

7,000

12,000

30,000

10

            Credit intermediation and related activities

93

2,500

6,000

12,000

30,000

7

            Insurance carriers and related activities

83

8,000

10,000

16,000

25,000

17

    Professional and business services

84

5,000

10,000

12,000

20,000

16

        Professional and technical services

93

5,000

6,000

10,000

10,000

16,667

7

        Administrative and waste services

79

6,000

10,000

17,300

21

    Education and health services

94

3,500

5,000

7,000

10,000

15,000

6

        Educational services

88

4,000

5,000

7,500

10,000

15,000

12

            Junior colleges, colleges, and universities

88

5,000

5,000

7,500

10,000

15,000

12

        Health care and social assistance

95

5,000

6,600

10,000

15,000

5

1 to 99 workers

91

3,333

5,000

7,500

10,000

15,000

9

    1 to 49 workers

91

3,000

5,000

6,000

10,000

15,000

9

    50 to 99 workers

91

4,000

5,000

7,500

10,000

15,000

9

100 workers or more

87

3,000

5,000

9,000

12,000

16,667

13

    100 to 499 workers

89

3,000

5,000

7,500

10,000

15,000

11

    500 workers or more

84

3,000

5,000

10,000

14,500

20,000

16

Geographic areas

             

Northeast

90

3,000

5,000

7,500

12,000

15,000

10

    New England

94

3,000

5,000

7,500

11,000

15,000

6

    Middle Atlantic

88

2,500

5,000

7,500

12,000

15,000

12

South

89

5,000

8,000

10,000

15,000

11

    South Atlantic

89

4,000

5,000

9,000

10,000

16,667

11

    East South Central

90

3,000

5,000

7,000

10,000

15,000

10

    West South Central

89

4,000

5,000

7,500

15,000

11

Midwest

85

3,000

5,000

7,000

10,000

15,000

15

    East North Central

85

3,000

5,000

6,000

10,000

15,000

15

    West North Central

84

5,000

8,000

13,000

20,000

16

West

89

3,000

5,000

10,000

12,500

20,000

11

    Mountain

91

5,000

8,667

15,000

20,000

9

    Pacific

88

3,500

6,000

10,000

12,000

20,000

12

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 receive the same or less than the benefit&nb sp;shown. The remaining percentiles follow the same logic.

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 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.