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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, civilian workers,1 March 2017
(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
87
$5,000
$7,500
$10,000
$15,000
13
Worker characteristics
             
Management, professional, and related
87
$3,500
5,000
8,000
11,250
16,000
13
    Management, business, and financial
88
5,000
6,000
10,000
15,000
20,000
12
    Professional and related
86
3,000
5,000
7,500
10,000
15,000
14
        Teachers
77
1,900
3,900
5,000
7,500
10,000
23
            Primary, secondary, and special education
             school teachers
74
3,900
5,000
6,000
10,000
26
        Registered nurses
85
5,000
7,500
10,000
15,000
15
Service
87
3,000
5,000
6,250
10,000
12,500
13
    Protective service
71
2,500
4,500
5,000
6,000
10,000
29
Sales and office
88
3,900
5,000
9,000
12,500
20,000
12
    Sales and related
90
5,000
5,000
10,000
15,000
20,000
10
    Office and administrative support
88
3,500
5,000
8,000
12,000
20,000
12
Natural resources, construction, and maintenance
87
5,000
7,000
10,000
15,000
13
    Installation, maintenance, and repair
89
3,000
4,800
6,000
10,000
15,000
11
Production, transportation, and material moving
83
3,000
5,000
7,000
10,000
15,000
17
    Production
87
3,000
5,000
7,000
10,000
15,000
13
    Transportation and material moving
79
4,000
6,500
10,000
12,500
21
Full time
87
5,000
7,500
10,000
15,000
13
Part time
83
4,000
5,000
7,000
15,000
17
Union
75
3,000
4,000
5,000
8,000
12,000
25
Nonunion
89
3,900
5,000
8,000
12,000
15,000
11
Average wage within the following categories:3
             
    Lowest 25 percent
91
3,500
5,000
7,500
10,000
12,500
9
    Second 25 percent
87
3,200
5,000
7,000
10,000
15,000
13
    Third 25 percent
87
5,000
7,500
10,000
15,000
13
    Highest 25 percent
86
5,000
8,500
12,500
17,500
14
        Highest 10 percent
86
4,000
6,000
10,000
15,000
20,000
14
Establishment characteristics
             
Goods-producing industries
90
5,000
10,000
12,500
15,000
10
Service-providing industries
86
5,000
7,500
10,000
15,000
14
    Education and health services
87
3,000
5,000
6,000
10,000
15,000
13
        Educational services
78
2,000
4,000
5,000
8,500
13,000
22
            Elementary and secondary schools
73
1,500
3,900
5,000
7,000
10,000
27
            Junior colleges, colleges, and universities
83
3,000
5,000
7,500
10,000
20,000
17
        Health care and social assistance
93
5,000
6,000
10,000
15,000
7
            Hospitals
90
4,000
5,000
8,000
10,000
15,000
10
    Public administration
66
3,000
4,000
5,000
6,250
10,000
34
1 to 99 workers
88
3,900
5,000
7,000
10,000
15,000
12
    1 to 49 workers
88
4,000
5,000
7,500
10,000
12
    50 to 99 workers
89
5,000
6,250
10,000
15,000
11
100 workers or more
86
3,000
5,000
8,000
15,000
14
    100 to 499 workers
88
5,000
7,500
10,000
15,000
12
    500 workers or more
84
3,000
5,000
9,000
12,500
17,500
16
Geographic areas
             
Northeast
91
3,000
5,000
7,500
11,000
15,000
9
    New England
92
3,000
5,000
7,500
15,000
8
    Middle Atlantic
91
3,000
5,000
7,500
12,000
17,333
9
South
90
3,900
5,000
7,500
10,000
15,000
10
    South Atlantic
89
3,900
5,000
8,000
10,000
15,000
11
    East South Central
89
3,000
5,000
6,000
10,000
15,000
11
    West South Central
91
4,000
5,000
10,000
15,000
9
Midwest
79
3,000
5,000
6,500
10,000
15,000
21
    East North Central
77
3,000
5,000
6,000
10,000
15,000
23
    West North Central
84
5,000
8,000
12,500
17,500
16
West
88
4,000
5,000
8,000
12,000
20,000
12
    Mountain
85
5,000
6,000
10,000
12,500
20,000
15
    Pacific
90
3,500
5,000
8,000
10,000
20,000
10
1Includes workers in private industry and state and local 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 2017.

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/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.