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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, State and local
government workers, National Compensation Survey, March 2015

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

51

37

–

–

Worker characteristics

        

Management, professional, and related

52

35

10

3

    Professional and related

51

35

11

3

        Teachers

52

35

11

2

            Primary, secondary, and special education
             school teachers

47

41

–

–

Service

51

38

7

4

    Protective service

57

33

–

–

Sales and office

45

45

7

4

    Office and administrative support

45

45

7

4

Natural resources, construction, and maintenance

55

37

–

–

Production, transportation, and material moving

57

37

–

–

Full time

51

38

–

–

Part time

53

29

10

7

Union

43

41

–

–

Nonunion

61

32

2

4

Average wage within the following categories:2

        

    Lowest 25 percent

52

40

–

–

        Lowest 10 percent

47

40

–

–

    Second 25 percent

55

36

6

2

    Third 25 percent

48

41

8

3

    Highest 25 percent

51

33

15

2

        Highest 10 percent

46

41

–

–

Establishment characteristics

        

Service-providing industries

51

38

–

–

    Education and health services

50

37

9

4

        Educational services

50

37

9

4

            Elementary and secondary schools

43

46

6

5

            Junior colleges, colleges, and universities

72

–

15

–

        Health care and social assistance

53

34

–

–

            Hospitals

49

45

–

–

    Public administration

50

39

–

–

1 to 99 workers

45

54

–

–

    1 to 49 workers

55

45

–

–

    50 to 99 workers

–

65

–

–

100 workers or more

52

35

–

–

    100 to 499 workers

53

31

–

–

    500 workers or more

52

37

8

3

State government

82

–

13

–

Local government

40

49

7

4

Geographic areas

        

Northeast

–

49

26

–

    New England

76

–

–

–

    Middle Atlantic

–

51

27

–

South

64

33

–

3

    South Atlantic

67

30

–

3

    West South Central

50

47

–

–

Midwest

54

40

–

–

    East North Central

52

41

–

–

    West North Central

60

36

–

–

West

64

28

5

3

    Mountain

–

68

–

–

    Pacific

76

16

–

–

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

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 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.