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Employee Benefits Survey
EBS EBS Program Links

Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 March 2016
(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
86
$3,000
$5,000
$7,500
$10,000
$15,000
14
Worker characteristics
             
Management, professional, and related
87
5,000
8,000
12,000
15,000
13
    Management, business, and financial
90
4,000
6,000
10,000
15,000
20,000
10
    Professional and related
85
3,000
5,000
7,500
10,000
15,000
15
        Teachers
74
2,000
3,900
5,000
7,500
10,000
26
            Primary, secondary, and special education
             school teachers
70
3,900
5,000
6,000
10,000
30
        Registered nurses
85
5,000
7,500
10,000
15,000
15
Service
85
3,900
5,000
7,000
10,000
12,500
15
    Protective service
65
4,500
5,000
8,000
10,000
35
Sales and office
88
3,000
5,000
8,000
12,000
20,000
12
    Sales and related
90
5,000
5,000
10,000
15,000
20,000
10
    Office and administrative support
87
3,000
5,000
8,000
12,000
20,000
13
Natural resources, construction, and maintenance
84
3,000
5,000
7,000
10,000
15,000
16
    Construction, extraction, farming, fishing, and
     forestry
77
3,000
5,000
7,000
15,000
23
    Installation, maintenance, and repair
87
3,000
4,800
6,000
10,000
15,000
13
Production, transportation, and material moving
82
3,000
5,000
7,000
10,000
15,000
18
    Production
87
3,000
5,000
7,000
10,000
15,000
13
    Transportation and material moving
77
4,000
7,000
10,000
12,500
23
Full time
86
3,000
5,000
7,500
10,000
15,000
14
Part time
83
5,000
7,000
10,000
15,000
17
Union
71
2,500
3,102
5,000
8,000
11,000
29
Nonunion
89
3,500
5,000
8,000
15,000
11
Average wage within the following categories:3
             
    Lowest 25 percent
89
3,500
5,000
7,000
10,000
14,500
11
        Lowest 10 percent
93
5,000
5,000
6,000
10,000
10,000
7
    Second 25 percent
88
3,000
5,000
6,000
10,000
15,000
12
    Third 25 percent
85
3,000
5,000
7,500
10,000
15,000
15
    Highest 25 percent
85
5,000
8,500
12,500
15,000
15
        Highest 10 percent
85
4,000
6,000
10,000
15,000
20,000
15
Establishment characteristics
             
Goods-producing industries
90
5,000
10,000
12,000
15,000
10
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
12,500
15
        Educational services
75
2,000
3,900
5,000
8,000
12,000
25
            Elementary and secondary schools
70
3,900
5,000
9,450
30
            Junior colleges, colleges, and universities
81
3,000
5,000
7,000
10,000
20,000
19
        Health care and social assistance
91
5,000
6,000
10,000
15,000
9
            Hospitals
87
5,000
8,000
10,000
15,000
13
    Public administration
66
3,333
5,000
6,500
10,000
34
1 to 99 workers
89
4,000
5,000
7,500
10,000
15,000
11
    1 to 49 workers
88
3,900
5,000
7,000
10,000
16,000
12
    50 to 99 workers
90
4,500
5,000
7,500
10,000
15,000
10
100 workers or more
85
3,000
5,000
8,000
15,000
15
    100 to 499 workers
86
5,000
7,500
10,000
15,000
14
    500 workers or more
83
3,000
5,000
8,000
12,000
16,000
17
Geographic areas
             
Northeast
92
3,000
5,000
7,500
11,000
15,000
8
    New England
91
3,000
5,000
7,500
11,000
15,000
9
    Middle Atlantic
92
3,000
5,000
8,000
11,000
17,333
8
South
90
3,000
5,000
7,500
10,000
15,000
10
    South Atlantic
89
5,000
8,000
10,000
15,000
11
    East South Central
88
3,000
5,000
6,000
10,000
15,000
12
    West South Central
92
4,000
5,000
8,000
10,000
15,000
8
Midwest
79
3,000
5,000
6,000
10,000
15,000
21
    East North Central
78
3,000
5,000
6,000
10,000
15,000
22
    West North Central
82
4,000
5,000
7,000
12,500
15,000
18
West
84
4,000
5,000
8,500
12,000
15,000
16
    Pacific
85
3,102
5,000
8,000
10,000
15,000
15
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 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 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.