Short-term disability plans: Method of funding

Table 22. Short-term disability plans: Method of funding, civilian workers,1 March
2018
(All workers with short-term disability coverage = 100 percent)
Characteristics Non-
commercially
insured2
Commercially
insured
Legally
required
Other
All workers
42
43
15
[3]
Worker characteristics
       
Management, professional, and related
45
43
12
[3]
    Management, business, and financial
47
42
    Professional and related
44
44
        Teachers
48
37
            Primary, secondary, and special education
             school teachers
46
44
        Registered nurses
39
51
10
Service
39
33
    Protective service
34
42
Sales and office
46
38
    Sales and related
50
35
15
    Office and administrative support
45
39
Natural resources, construction, and maintenance
35
50
    Construction, extraction, farming, fishing, and
     forestry
26
56
    Installation, maintenance, and repair
40
47
Production, transportation, and material moving
41
49
    Production
47
47
    Transportation and material moving
34
52
14
Full time
43
44
12
[3]
Part time
30
43
Union
36
48
Nonunion
43
42
15
[3]
Average wage within the following categories:4
       
    Lowest 25 percent
33
37
        Lowest 10 percent
33
33
34
    Second 25 percent
40
44
16
[3]
    Third 25 percent
42
46
12
[3]
    Highest 25 percent
46
42
12
[3]
        Highest 10 percent
47
41
Establishment characteristics
       
Service-providing industries
41
41
17
[3]
    Education and health services
33
50
        Educational services
47
38
            Elementary and secondary schools
41
47
            Junior colleges, colleges, and universities
60
26
14
        Health care and social assistance
26
56
            Hospitals
39
50
11
    Public administration
38
48
1 to 99 workers
31
46
23
[3]
    1 to 49 workers
31
43
26
[3]
    50 to 99 workers
29
52
100 workers or more
49
41
10
[3]
    100 to 499 workers
45
44
11
[3]
    500 workers or more
53
38
9
[3]
Geographic areas
       
Northeast
22
31
46
[3]
    New England
36
62
    Middle Atlantic
26
54
South
51
49
    South Atlantic
49
51
    East South Central
54
45
    West South Central
53
47
Midwest
55
45
[3]
    East North Central
54
45
[3]
    West North Central
56
44
West
41
50
    Mountain
37
63
    Pacific
44
42
1Includes workers in private industry and state and local government. See Technical Note for further explanation.
2Employer assumes all risks and expenses of providing the benefit.
3Less than 0.5.
4Surveyed 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 2018.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.