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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 2015

(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

89

$3,000

$5,000

$8,000

$15,000

11

Worker characteristics

             

Management, professional, and related

90

4,000

5,000

10,000

$12,500

17,300

10

    Management, business, and financial

91

4,500

6,000

10,000

15,000

20,833

9

    Professional and related

89

5,000

8,000

12,000

15,000

11

Service

93

4,000

5,000

7,500

10,000

12,500

7

Sales and office

90

3,000

5,000

8,500

12,500

20,000

10

    Sales and related

93

5,000

5,000

10,000

15,000

20,833

7

    Office and administrative support

89

3,000

5,000

8,000

12,000

20,000

11

Natural resources, construction, and maintenance

89

3,000

5,000

6,000

10,000

15,000

11

    Installation, maintenance, and repair

91

3,000

4,800

6,000

10,000

12,500

9

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

7,000

10,000

12,500

24

Full time

89

3,000

5,000

8,000

15,000

11

Part time

89

5,000

7,500

15,000

11

Union

82

5,000

10,000

12,500

18

Nonunion

89

5,000

8,500

12,000

15,000

11

Average wage within the following categories:2

             

    Lowest 25 percent

94

3,500

5,000

6,000

10,000

12,500

6

    Second 25 percent

89

3,000

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

89

5,000

10,000

14,500

19,500

11

        Highest 10 percent

87

5,000

6,000

10,000

15,000

20,000

13

Establishment characteristics

             

Goods-producing industries

87

3,000

5,000

8,500

11,000

15,000

13

    Construction

95

5,000

5,000

10,000

5

    Manufacturing

86

3,000

5,000

9,500

12,000

15,000

14

Service-providing industries

89

5,000

8,000

11

    Trade, transportation, and utilities

84

5,000

7,000

10,000

15,000

16

        Wholesale trade

90

5,000

5,000

7,500

10,000

15,000

10

        Retail trade

94

3,000

5,000

6,000

10,000

6

        Transportation and warehousing

74

7,000

10,000

10,000

26

        Utilities

60

5,000

7,000

12,000

15,000

15,000

40

    Information

92

4,000

4,000

9,340

12,000

17,500

8

    Financial activities

90

2,500

6,000

10,000

20,000

30,000

10

        Finance and insurance

89

2,500

7,000

12,000

20,833

30,000

11

            Credit intermediation and related activities

94

2,500

6,000

12,000

20,833

30,000

6

            Insurance carriers and related activities

77

5,000

8,000

10,000

16,000

30,000

23

    Professional and business services

85

6,000

10,000

15,000

20,000

15

        Professional and technical services

90

5,000

6,000

10,000

15,000

10

        Administrative and waste services

78

2,500

5,000

17,300

22

    Education and health services

94

5,000

7,500

10,000

15,000

6

        Educational services

90

4,000

5,000

7,500

10,000

15,000

10

            Junior colleges, colleges, and universities

87

5,000

5,000

8,000

10,000

17,000

13

        Health care and social assistance

96

3,000

5,000

7,500

10,000

15,000

4

1 to 99 workers

91

3,500

5,000

7,500

10,000

15,000

9

    1 to 49 workers

90

3,000

5,000

7,500

10,000

15,000

10

    50 to 99 workers

92

4,000

5,000

7,500

10,000

15,000

8

100 workers or more

88

3,000

5,000

10,000

12,500

12

    100 to 499 workers

90

5,000

8,000

11,000

15,000

10

    500 workers or more

85

3,000

5,000

10,000

13,500

20,000

15

Geographic areas

             

Northeast

91

3,000

5,000

7,500

12,000

15,000

9

    New England

93

3,000

5,000

7,500

11,000

15,000

7

    Middle Atlantic

90

3,000

5,000

7,500

12,000

15,000

10

South

90

4,000

5,000

8,000

10,625

15,000

10

    South Atlantic

90

5,000

5,000

8,000

10,000

15,000

10

    East South Central

90

3,000

5,000

7,000

10,000

15,000

10

    West South Central

91

4,000

5,000

8,000

12,000

9

Midwest

84

3,000

5,000

7,500

10,000

15,000

16

    East North Central

84

3,000

5,000

6,000

10,000

15,000

16

    West North Central

86

5,000

10,000

12,500

14

West

89

4,000

6,000

10,000

12,500

20,000

11

    Mountain

92

5,000

10,000

12,000

8

    Pacific

88

4,000

6,000

10,000

12,650

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 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.