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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, State and local government workers,
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 amount1 With no
maximum
benefit
amount
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
All workers
66
$3,900
$5,000
$6,000
$10,000
34
Worker characteristics
             
Management, professional, and related
68
3,900
5,000
6,000
9,000
32
    Professional and related
66
3,900
5,000
6,000
9,000
34
        Teachers
66
3,900
5,000
6,000
8,000
34
            Primary, secondary, and special education
             school teachers
63
3,500
5,000
6,000
8,000
37
Service
64
4,000
5,000
7,000
10,000
36
    Protective service
65
4,000
5,000
7,500
10,000
35
Sales and office
61
3,000
5,000
6,000
9,000
39
    Office and administrative support
62
3,000
5,000
6,000
9,000
38
Natural resources, construction, and maintenance
65
3,333
5,000
7,000
10,000
35
Production, transportation, and material moving
80
3,102
5,000
7,500
10,000
20
Full time
67
3,900
5,000
6,000
10,000
33
Part time
48
4,500
5,000
6,000
52
Union
62
$2,500
3,500
5,000
6,500
10,000
38
Nonunion
70
3,900
5,000
6,000
10,000
30
Average wage within the following categories:2
             
    Lowest 25 percent
64
3,900
5,000
6,000
8,000
36
        Lowest 10 percent
58
3,900
5,000
6,000
8,000
42
    Second 25 percent
63
5,000
7,000
9,450
37
    Third 25 percent
68
3,900
5,000
6,000
10,000
32
    Highest 25 percent
69
4,000
5,000
7,000
10,000
31
        Highest 10 percent
72
4,000
5,000
6,500
8,000
28
Establishment characteristics
             
Service-providing industries
66
3,900
5,000
6,500
10,000
34
    Education and health services
65
3,900
5,000
6,000
9,450
35
        Educational services
66
3,900
5,000
6,000
9,100
34
            Elementary and secondary schools
65
3,900
5,000
6,000
8,000
35
        Health care and social assistance
57
800
4,000
5,000
7,000
43
    Public administration
66
3,333
5,000
6,500
10,000
34
1 to 99 workers
62
3,000
3,900
5,000
5,000
7,000
38
    1 to 49 workers
72
3,000
3,900
5,000
5,000
6,000
28
    50 to 99 workers
52
5,000
5,000
48
100 workers or more
67
3,900
5,000
7,000
10,000
33
    100 to 499 workers
59
4,000
5,000
6,000
10,000
41
    500 workers or more
69
3,900
5,000
7,000
10,000
31
State government
59
3,000
5,000
6,000
10,000
41
Local government
68
3,900
5,000
6,500
9,400
32
Geographic areas
             
Northeast
83
4,000
5,000
6,500
10,000
17
    Middle Atlantic
83
5,000
7,000
10,000
17
South
85
800
3,900
6,000
9,000
15
    South Atlantic
84
800
3,900
9,000
16
Midwest
52
3,500
5,000
5,000
7,000
9,450
48
    East North Central
46
3,000
4,500
5,000
7,500
10,000
54
    West North Central
59
3,900
5,000
5,000
6,000
7,778
41
West
56
3,000
5,000
5,000
6,000
10,000
44
    Mountain
47
5,000
5,500
6,500
9,000
53
    Pacific
64
3,000
5,000
6,000
10,000
36
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 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 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.