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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 2015

(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

86

3,000

5,000

8,000

11,000

15,000

14

    Management, business, and financial

89

4,000

6,000

10,000

14,500

20,000

11

    Professional and related

84

3,000

5,000

7,500

10,000

15,000

16

        Teachers

72

2,500

3,900

5,000

7,000

10,000

28

            Primary, secondary, and special education
             school teachers

68

3,900

5,000

6,000

8,000

32

        Registered nurses

90

5,000

8,000

10,000

15,000

10

Service

84

5,000

7,000

10,000

12,500

16

    Protective service

71

5,000

8,000

10,000

29

Sales and office

87

3,000

5,000

8,000

12,000

20,000

13

    Sales and related

92

5,000

5,000

10,000

15,000

20,000

8

    Office and administrative support

86

2,500

5,000

7,500

12,000

20,000

14

Natural resources, construction, and maintenance

85

3,000

5,000

6,000

10,000

15,000

15

    Installation, maintenance, and repair

89

3,000

4,000

6,000

10,000

12,500

11

Production, transportation, and material moving

80

3,000

5,000

7,000

10,000

15,000

20

    Production

84

3,000

5,000

7,000

10,000

15,000

16

    Transportation and material moving

76

3,000

6,500

10,000

12,000

24

Full time

85

3,000

5,000

7,500

10,000

15,000

15

Part time

81

3,000

5,000

7,000

10,000

15,000

19

Union

72

2,333

3,500

5,000

8,000

10,000

28

Nonunion

87

3,000

5,000

8,000

10,500

15,000

13

Average wage within the following categories:3

             

    Lowest 25 percent

88

3,000

5,000

6,000

10,000

12,500

12

    Second 25 percent

86

3,000

5,000

7,000

10,000

15,000

14

    Third 25 percent

84

3,000

5,000

7,500

10,000

15,000

16

    Highest 25 percent

85

5,000

8,500

12,250

17,000

15

        Highest 10 percent

85

4,000

6,000

10,000

15,000

20,000

15

Establishment characteristics

             

Goods-producing industries

87

3,000

5,000

8,500

11,000

15,000

13

Service-providing industries

85

3,000

5,000

7,500

10,000

15,000

15

    Education and health services

85

3,000

5,000

6,000

10,000

15,000

15

        Educational services

73

3,900

5,000

8,000

10,000

27

            Elementary and secondary schools

69

3,900

5,000

6,500

8,500

31

            Junior colleges, colleges, and universities

78

3,000

5,000

7,000

10,000

15,000

22

        Health care and social assistance

93

3,000

5,000

7,500

10,000

15,000

7

            Hospitals

89

5,000

8,000

10,000

15,000

11

    Public administration

65

3,900

5,000

7,000

10,000

35

1 to 99 workers

89

5,000

7,000

10,000

15,000

11

    1 to 49 workers

89

3,000

5,000

7,000

10,000

15,000

11

    50 to 99 workers

89

4,000

5,000

7,500

10,000

15,000

11

100 workers or more

83

3,000

5,000

8,000

11,500

15,000

17

    100 to 499 workers

87

3,000

5,000

7,500

10,000

15,000

13

    500 workers or more

81

5,000

8,000

12,000

15,000

19

Geographic areas

             

Northeast

90

3,000

5,000

7,500

15,000

10

    New England

92

3,000

5,000

7,500

11,000

15,000

8

    Middle Atlantic

89

2,500

5,000

7,500

10,000

15,000

11

South

90

3,000

5,000

7,500

10,000

15,000

10

    South Atlantic

89

5,000

7,500

10,000

15,000

11

    East South Central

90

3,000

5,000

7,000

10,000

15,000

10

    West South Central

91

3,000

5,000

7,500

10,625

9

Midwest

78

3,000

5,000

6,000

10,000

15,000

22

    East North Central

77

3,000

5,000

6,000

10,000

15,000

23

    West North Central

79

4,000

5,000

7,500

12,000

17,000

21

West

83

3,333

5,000

10,000

17,300

17

    Mountain

81

5,000

9,000

12,000

15,000

19

    Pacific

83

3,333

6,000

10,000

20,000

17

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 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 .