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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, private industry
workers, March 2016
(All workers with short-term disability coverage = 100 percent)
Characteristics Non-
commercially
insured1
Commercially
insured
Legally
required
Other
All workers
43
41
Worker characteristics
       
Management, professional, and related
47
41
    Management, business, and financial
50
39
    Professional and related
44
42
Service
42
32
    Protective service
36
Sales and office
47
37
    Sales and related
51
33
16
    Office and administrative support
46
38
Natural resources, construction, and maintenance
37
15
    Installation, maintenance, and repair
43
44
Production, transportation, and material moving
44
45
    Production
49
45
    Transportation and material moving
39
45
Full time
45
42
Part time
29
45
Nonunion
44
40
Average wage within the following categories:2
       
    Lowest 25 percent
33
35
        Lowest 10 percent
23
27
50
    Second 25 percent
40
44
    Third 25 percent
45
43
    Highest 25 percent
47
39
        Highest 10 percent
50
38
Establishment characteristics
       
Goods-producing industries
44
46
    Manufacturing
49
46
Service-providing industries
43
39
    Trade, transportation, and utilities
45
36
        Wholesale trade
35
47
18
        Retail trade
54
26
20
        Transportation and warehousing
41
41
    Information
66
28
6
    Financial activities
66
27
        Finance and insurance
73
23
4
            Credit intermediation and related activities
76
21
3
            Insurance carriers and related activities
71
24
5
        Real estate and rental and leasing
25
50
    Professional and business services
37
43
        Professional and technical services
32
46
    Education and health services
31
52
        Educational services
40
38
            Junior colleges, colleges, and universities
59
28
    Leisure and hospitality
26
37
37
        Accommodation and food services
30
31
39
    Other services
29
42
29
1 to 99 workers
32
43
    1 to 49 workers
33
40
    50 to 99 workers
30
50
100 workers or more
50
39
    100 to 499 workers
46
44
9
[3]
    500 workers or more
55
34
Geographic areas
       
Northeast
28
46
    Middle Atlantic
23
55
South
52
48
[3]
    South Atlantic
49
51
    East South Central
53
47
    West South Central
56
44
Midwest
58
41
    East North Central
58
41
West
39
51
    Mountain
38
62
    Pacific
40
45
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 2016.
3Less than 0.5.

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.