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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 2015

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

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

44

40

15

1

Worker characteristics

       

Management, professional, and related

48

39

12

1

    Management, business, and financial

50

38

12

1

    Professional and related

47

40

        Teachers

42

41

16

2

            Primary, secondary, and special education
             school teachers

40

45

13

3

        Registered nurses

54

34

11

1

Service

30

39

29

1

Sales and office

47

36

17

[3]

    Sales and related

48

34

    Office and administrative support

46

37

Natural resources, construction, and maintenance

41

44

12

2

    Installation, maintenance, and repair

46

45

Production, transportation, and material moving

42

46

12

1

    Production

44

47

    Transportation and material moving

40

44

Full time

45

41

13

1

Part time

35

26

39

1

Union

42

42

Nonunion

45

39

15

1

Average wage within the following categories:4

       

    Lowest 25 percent

35

33

        Lowest 10 percent

34

43

    Second 25 percent

40

44

16

1

    Third 25 percent

46

41

12

1

    Highest 25 percent

50

38

11

1

        Highest 10 percent

52

36

Establishment characteristics

       

Goods-producing industries

42

47

9

1

Service-providing industries

44

38

17

1

    Education and health services

38

43

18

1

        Educational services

43

39

            Elementary and secondary schools

36

47

13

4

            Junior colleges, colleges, and universities

61

24

        Health care and social assistance

35

45

    Public administration

50

39

1 to 99 workers

32

43

24

1

    1 to 49 workers

33

39

27

[3]

    50 to 99 workers

30

52

17

1

100 workers or more

51

38

10

1

    100 to 499 workers

46

43

10

1

    500 workers or more

55

33

Geographic areas

       

Northeast

25

29

45

1

    New England

49

50

    Middle Atlantic

20

25

54

1

South

53

47

    South Atlantic

51

48

[3]

    East South Central

50

49

    West South Central

58

42

Midwest

56

42

3

    East North Central

54

43

3

West

46

45

9

1

    Mountain

37

62

1

    Pacific

51

35

14

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.

3Less than 0.5.

4Surveyed 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 wage data for March 2015.


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/glossary20142015.htm .