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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 2017
(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
20,000
9
    Management, business, and financial
90
5,000
6,000
10,000
15,000
20,833
10
    Professional and related
91
5,000
8,000
12,000
15,000
9
Service
94
4,000
5,000
7,500
10,000
12,500
6
Sales and office
90
4,000
5,000
10,000
12,650
20,000
10
    Sales and related
90
5,000
5,000
10,000
15,000
20,833
10
    Office and administrative support
90
4,000
5,000
10,000
12,500
20,000
10
Natural resources, construction, and maintenance
89
5,000
7,000
10,000
15,000
11
    Installation, maintenance, and repair
90
3,000
5,000
6,000
10,000
15,000
10
Production, transportation, and material moving
84
3,000
5,000
7,000
10,000
15,000
16
    Production
87
3,000
5,000
7,000
10,000
15,000
13
    Transportation and material moving
79
4,000
7,000
10,000
12,500
21
Full time
90
5,000
8,000
12,000
15,000
10
Part time
89
4,000
5,000
7,000
11
Union
81
6,000
10,000
12,500
19
Nonunion
90
4,000
5,000
9,000
12,000
10
Average wage within the following categories:2
             
    Lowest 25 percent
95
4,000
5,000
7,500
10,000
13,000
5
        Lowest 10 percent
94
5,000
10,000
10,000
6
    Second 25 percent
90
5,000
7,500
10,000
15,000
10
    Third 25 percent
89
5,000
8,000
10,000
15,000
11
    Highest 25 percent
89
4,000
6,000
10,000
15,000
20,000
11
        Highest 10 percent
87
5,000
6,000
10,000
15,000
20,833
13
Establishment characteristics
             
Goods-producing industries
90
5,000
10,000
12,500
15,000
10
    Manufacturing
90
5,000
10,000
12,000
15,000
10
Service-providing industries
89
5,000
8,000
12,000
16,000
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
        Retail trade
89
5,000
5,000
7,000
8,500
11,000
11
        Transportation and warehousing
82
7,000
10,000
12,500
18
        Utilities
68
15,000
15,000
15,000
32
    Information
95
4,000
10,000
15,000
20,000
5
    Financial activities
87
5,000
8,000
20,833
30,000
13
        Finance and insurance
85
5,000
10,000
12,500
20,833
30,000
15
            Credit intermediation and related activities
88
8,333
12,500
20,833
30,000
12
            Insurance carriers and related activities
78
5,000
10,000
30,000
22
    Professional and business services
87
6,000
10,000
15,000
17,333
13
        Professional and technical services
93
5,000
6,000
10,000
15,000
7
    Education and health services
94
5,000
7,000
10,000
15,000
6
        Educational services
92
5,000
7,500
10,000
20,000
8
            Junior colleges, colleges, and universities
90
5,000
6,000
8,000
12,000
20,000
10
        Health care and social assistance
94
5,000
6,000
10,000
15,000
6
    Leisure and hospitality:
         Accommodation and food services
100
5,000
10,000
10,000
12,000
1 to 99 workers
90
4,000
5,000
7,500
10,000
15,000
10
    1 to 49 workers
89
4,000
5,000
7,500
10,000
11
    50 to 99 workers
93
5,000
7,500
10,000
15,000
7
100 workers or more
89
5,000
10,000
12,500
11
    100 to 499 workers
90
5,000
8,000
10,500
15,000
10
    500 workers or more
88
5,000
10,000
15,000
20,000
12
Geographic areas
             
Northeast
92
3,000
5,000
7,500
12,000
17,333
8
    New England
93
3,000
5,000
7,500
15,000
7
    Middle Atlantic
91
3,000
5,000
8,000
12,000
17,333
9
South
90
4,000
5,000
10,000
12,000
15,000
10
    South Atlantic
89
4,000
6,000
10,000
13,000
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
12,000
9
Midwest
86
3,000
5,000
7,500
15,000
14
    East North Central
85
3,000
5,000
6,000
10,000
15,000
15
    West North Central
89
5,000
10,000
15,000
20,000
11
West
91
4,000
6,000
10,000
15,000
20,833
9
    Mountain
92
5,000
6,000
10,000
15,000
20,000
8
    Pacific
91
4,000
6,000
10,000
20,833
9
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 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.