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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, private industry 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
90
$5,000
$8,000
$12,000
$15,000
10
Worker characteristics
             
Management, professional, and related
91
$4,000
5,000
10,000
12,500
9
    Management, business, and financial
91
5,000
6,000
10,000
15,000
20,000
9
    Professional and related
91
3,500
5,000
8,000
12,000
15,000
9
Service
93
4,000
5,000
7,500
10,000
12,500
7
Sales and office
91
5,000
9,000
12,500
20,000
9
    Sales and related
91
5,000
5,000
10,000
15,000
20,000
9
    Office and administrative support
91
3,000
5,000
8,333
12,500
20,000
9
Natural resources, construction, and maintenance
88
3,500
5,000
7,000
10,000
15,000
12
    Installation, maintenance, and repair
88
3,500
5,000
6,000
10,000
15,000
12
Production, transportation, and material moving
82
3,000
5,000
7,000
10,000
15,000
18
    Production
88
3,000
5,000
7,000
10,000
15,000
12
    Transportation and material moving
77
7,000
10,000
12,500
23
Full time
89
5,000
8,000
12,000
15,000
11
Part time
91
4,000
5,000
7,000
10,000
15,000
9
Union
79
6,000
10,000
12,500
21
Nonunion
91
4,000
5,000
8,500
12,000
15,000
9
Average wage within the following categories:2
             
    Lowest 25 percent
95
4,000
5,000
7,500
10,000
12,500
5
    Second 25 percent
91
3,000
5,000
7,500
10,000
15,000
9
    Third 25 percent
88
5,000
8,000
10,000
15,000
12
    Highest 25 percent
89
4,000
6,000
10,000
15,000
17,333
11
        Highest 10 percent
87
5,000
6,000
10,000
15,000
20,000
13
Establishment characteristics
             
Goods-producing industries
91
5,000
10,000
12,000
15,000
9
    Manufacturing
90
5,000
10,000
12,000
15,000
10
Service-providing industries
89
5,000
8,000
12,000
15,000
11
    Trade, transportation, and utilities
84
5,000
7,000
10,000
15,000
16
        Wholesale trade
87
5,000
5,000
7,500
10,000
15,000
13
        Transportation and warehousing
80
7,500
10,000
12,500
20
        Utilities
66
12,000
15,000
15,000
34
    Information
94
4,000
5,000
10,000
15,000
20,000
6
    Financial activities
89
7,000
10,000
20,833
30,000
11
        Finance and insurance
88
2,500
8,000
12,000
20,833
30,000
12
            Credit intermediation and related activities
94
2,500
6,000
12,000
20,833
30,000
6
            Insurance carriers and related activities
78
5,000
9,500
17,333
30,000
22
    Professional and business services
85
5,000
10,000
15,000
15,000
15
        Professional and technical services
91
5,000
6,000
10,000
15,000
15,000
9
        Administrative and waste services
72
15,000
20,833
28
    Education and health services
94
4,000
5,000
10,000
15,000
6
        Educational services
93
5,000
7,500
10,000
20,000
7
            Junior colleges, colleges, and universities
90
5,000
5,000
8,000
12,000
20,000
10
        Health care and social assistance
94
4,000
5,000
6,000
10,000
15,000
6
        Accommodation and food services
100
5,000
10,000
12,000
1 to 99 workers
91
4,000
5,000
7,500
10,000
15,000
9
    1 to 49 workers
89
4,000
5,000
7,500
10,000
11
    50 to 99 workers
94
5,000
5,000
7,500
10,000
15,000
6
100 workers or more
89
3,000
5,000
10,000
12,500
15,000
11
    100 to 499 workers
89
5,000
8,000
10,500
15,000
11
    500 workers or more
88
3,000
5,000
10,000
15,000
20,000
12
Geographic areas
             
Northeast
92
3,000
5,000
8,000
12,000
17,333
8
    New England
92
3,000
5,000
7,500
11,000
15,000
8
    Middle Atlantic
92
3,000
5,000
8,000
12,000
17,333
8
South
90
4,000
5,000
10,000
10,900
15,000
10
    South Atlantic
90
4,000
5,000
10,000
12,500
15,000
10
    East South Central
88
3,000
5,000
6,000
10,000
15,000
12
    West South Central
92
4,000
5,000
10,000
10,625
8
Midwest
86
3,000
5,000
7,000
15,000
14
    East North Central
84
3,000
5,000
6,000
10,000
15,000
16
    West North Central
90
5,000
8,000
12,500
16,000
10
West
90
4,000
6,000
10,000
15,000
20,000
10
    Mountain
92
5,000
6,000
10,000
15,000
20,000
8
    Pacific
89
4,000
6,000
10,000
12,500
11
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.