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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 2017
(All workers with short-term disability coverage = 100 percent)
Characteristics Non-
commercially
insured1
Commercially
insured
Legally
required
Other
All workers
44
40
Worker characteristics
       
Management, professional, and related
48
40
12
[2]
    Management, business, and financial
51
38
    Professional and related
46
41
13
[2]
Service
40
33
Sales and office
47
36
    Sales and related
50
33
16
    Office and administrative support
46
37
Natural resources, construction, and maintenance
37
16
    Installation, maintenance, and repair
44
43
Production, transportation, and material moving
44
45
    Transportation and material moving
38
45
Full time
46
41
Part time
28
45
Nonunion
45
39
16
[2]
Average wage within the following categories:3
       
    Lowest 25 percent
31
33
35
        Lowest 10 percent
27
29
43
    Second 25 percent
41
43
    Third 25 percent
45
42
12
[2]
    Highest 25 percent
49
38
        Highest 10 percent
52
37
11
[2]
Establishment characteristics
       
Service-providing industries
43
38
18
[2]
    Trade, transportation, and utilities
44
37
        Wholesale trade
35
48
17
        Retail trade
52
27
21
        Transportation and warehousing
41
41
    Information
67
28
5
    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
49
    Professional and business services
41
38
        Professional and technical services
38
40
    Education and health services
31
53
        Educational services
41
38
            Junior colleges, colleges, and universities
59
28
    Leisure and hospitality
32
32
35
        Accommodation and food services
37
27
36
    Other services
25
44
31
1 to 99 workers
32
42
    1 to 49 workers
34
38
    50 to 99 workers
30
50
100 workers or more
51
39
10
[2]
    100 to 499 workers
48
43
9
[2]
    500 workers or more
56
34
10
[2]
Geographic areas
       
Northeast
25
27
47
[2]
    Middle Atlantic
21
23
56
[2]
South
53
47
[2]
    South Atlantic
51
49
[2]
    East South Central
55
45
    West South Central
56
43
West
41
48
    Mountain
39
61
    Pacific
43
40
1Employer assumes all risks and expenses of providing the benefit.
2Less than 0.5.
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.