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Employee Benefits Survey
EBS EBS Program Links

Short-term disability plans: Method of funding

Table 22. Short-term disability plans: Method of funding, civilian workers,1 March
2016
(All workers with short-term disability coverage = 100 percent)
Characteristics Non-
commercially
insured2
Commercially
insured
Legally
required
Other
All workers
44
41
Worker characteristics
       
Management, professional, and related
47
40
12
1
    Management, business, and financial
51
39
    Professional and related
45
42
        Teachers
43
40
14
2
            Primary, secondary, and special education
             school teachers
40
44
        Registered nurses
44
43
Service
28
42
28
1
    Protective service
45
34
Sales and office
47
37
15
[3]
    Sales and related
51
33
    Office and administrative support
46
39
15
1
Natural resources, construction, and maintenance
38
15
    Installation, maintenance, and repair
43
44
Production, transportation, and material moving
44
45
    Production
48
45
    Transportation and material moving
39
45
Full time
45
42
Part time
26
30
43
1
Union
36
44
Nonunion
45
40
Average wage within the following categories:4
       
    Lowest 25 percent
34
34
32
1
        Lowest 10 percent
29
47
    Second 25 percent
41
45
13
1
    Third 25 percent
45
43
    Highest 25 percent
48
39
        Highest 10 percent
49
39
12
1
Establishment characteristics
       
Goods-producing industries
44
46
Service-providing industries
43
40
    Education and health services
35
49
        Educational services
43
41
13
3
            Elementary and secondary schools
37
47
12
5
            Junior colleges, colleges, and universities
58
29
        Health care and social assistance
30
54
    Public administration
49
41
1 to 99 workers
32
43
    1 to 49 workers
33
40
    50 to 99 workers
30
51
100 workers or more
50
39
    100 to 499 workers
47
43
10
1
    500 workers or more
54
35
Geographic areas
       
Northeast
30
44
    Middle Atlantic
21
26
53
1
South
53
47
[3]
    South Atlantic
51
49
1
    East South Central
54
46
    West South Central
56
44
Midwest
57
41
    East North Central
57
41
West
41
50
8
1
    Mountain
37
62
1
    Pacific
44
43
13
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 2016.

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.