Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 March 2018
(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
88
$3,500
$5,000
$8,000
$10,900
$15,000
12
Worker characteristics
             
Management, professional, and related
88
3,900
5,000
8,000
12,000
17,500
12
    Management, business, and financial
89
5,000
6,000
10,000
15,000
20,000
11
    Professional and related
87
3,900
5,000
7,500
10,500
15,000
13
        Teachers
77
1,900
3,900
5,000
7,500
10,000
23
            Primary, secondary, and special education
             school teachers
73
1,500
3,900
5,000
6,111
10,000
27
        Registered nurses
86
5,000
7,500
10,000
15,000
14
Service
89
5,000
6,667
10,000
12,500
11
    Protective service
74
3,102
5,000
5,000
6,500
12,000
26
Sales and office
89
3,900
5,000
8,000
12,500
20,000
11
    Sales and related
87
5,000
5,000
9,000
12,000
20,000
13
    Office and administrative support
89
3,900
5,000
8,000
12,500
20,000
11
Natural resources, construction, and maintenance
86
5,000
7,000
10,000
15,000
14
    Installation, maintenance, and repair
88
3,000
5,000
6,000
10,000
15,000
12
Production, transportation, and material moving
88
5,000
7,000
10,000
15,000
12
    Production
87
3,000
5,000
7,000
10,000
15,000
13
    Transportation and material moving
88
5,000
7,000
10,000
15,000
12
Full time
88
3,500
5,000
8,000
11,000
15,000
12
Part time
82
4,500
5,000
6,500
10,000
18
Union
78
3,000
4,000
5,000
10,000
12,000
22
Nonunion
90
4,000
5,000
8,000
12,000
16,000
10
Average wage within the following categories:3
             
    Lowest 25 percent
91
5,000
7,000
10,000
15,000
9
    Second 25 percent
89
3,166
5,000
7,000
10,000
15,000
11
    Third 25 percent
89
5,000
7,500
10,000
15,000
11
    Highest 25 percent
87
3,900
5,000
10,000
12,500
20,000
13
        Highest 10 percent
88
4,000
6,000
10,000
13,000
20,000
12
Establishment characteristics
             
Goods-producing industries
91
5,000
10,000
12,500
9
Service-providing industries
88
5,000
7,500
10,000
15,000
12
    Education and health services
88
5,000
6,000
10,000
15,000
12
        Educational services
79
2,000
4,000
5,000
9,200
13,000
21
            Elementary and secondary schools
74
1,500
3,900
5,000
7,000
9,450
26
            Junior colleges, colleges, and universities
84
3,000
5,000
7,000
10,000
20,000
16
        Health care and social assistance
94
4,000
5,000
6,000
10,000
15,000
6
            Hospitals
91
3,000
5,000
8,000
12,000
15,000
9
    Public administration
67
3,102
4,000
5,000
6,250
10,000
33
1 to 99 workers
90
4,000
5,000
7,000
10,000
15,000
10
    1 to 49 workers
90
4,000
5,000
7,500
10,000
15,000
10
    50 to 99 workers
91
3,900
5,000
6,250
10,000
15,000
9
100 workers or more
87
3,102
5,000
8,000
12,000
16,000
13
    100 to 499 workers
89
3,500
5,000
7,500
10,000
15,000
11
    500 workers or more
86
3,000
5,000
10,000
15,000
20,000
14
Geographic areas
             
Northeast
93
3,000
5,000
8,000
10,000
15,000
7
    New England
92
5,000
7,500
15,000
8
    Middle Atlantic
93
3,000
5,000
8,000
10,000
15,000
7
South
91
3,900
5,000
7,500
12,000
15,000
9
    South Atlantic
91
3,900
5,000
7,500
12,000
16,000
9
    East South Central
88
5,000
7,000
10,000
15,000
12
    West South Central
92
4,000
5,000
10,000
12,000
15,000
8
Midwest
81
5,000
7,000
11,250
15,000
19
    East North Central
79
5,000
6,000
10,000
15,000
21
    West North Central
85
4,800
5,000
7,500
12,500
20,000
15
West
89
4,000
5,000
8,000
10,500
15,000
11
    Mountain
85
5,000
6,000
8,000
10,500
15,000
15
    Pacific
92
4,000
5,000
8,500
10,000
8
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 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.