A to Z Index  |  FAQs  |  About BLS  |  Contact Us    
Employee Benefits Survey
EBS EBS Program Links

Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
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 amount1 With no
maximum
benefit
amount
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
All workers
73
$2,400
$3,900
$5,000
$7,500
$10,000
27
Worker characteristics
             
Management, professional, and related
73
3,900
5,000
7,500
10,000
27
    Professional and related
74
1,500
3,900
5,000
7,200
10,000
26
        Teachers
72
3,900
5,000
6,000
9,450
28
            Primary, secondary, and special education
             school teachers
69
3,900
5,000
6,000
8,000
31
Service
72
3,900
5,000
6,000
10,000
28
    Protective service
72
3,000
5,000
6,000
10,000
28
Sales and office
73
3,000
3,900
5,000
7,500
10,000
27
    Office and administrative support
73
3,000
3,900
5,000
8,000
10,000
27
Natural resources, construction, and maintenance
72
3,000
4,000
5,000
8,000
10,000
28
Production, transportation, and material moving
67
3,900
5,000
5,000
6,000
10,000
33
Full time
73
3,900
5,000
7,500
10,000
27
Part time
61
2,500
6,000
7,500
10,000
39
Union
70
3,000
5,000
5,000
7,500
10,000
30
Nonunion
76
800
3,900
5,000
7,000
10,000
24
Average wage within the following categories:2
             
    Lowest 25 percent
69
1,000
3,900
5,000
6,111
10,000
31
        Lowest 10 percent
68
800
5,000
7,000
10,000
32
    Second 25 percent
74
2,500
3,900
5,000
7,500
10,000
26
    Third 25 percent
74
1,500
3,900
5,000
7,000
10,000
26
    Highest 25 percent
73
3,102
5,000
5,000
8,000
10,000
27
        Highest 10 percent
75
3,000
5,000
5,000
7,500
10,000
25
Establishment characteristics
             
Service-providing industries
73
3,900
5,000
7,500
10,000
27
    Education and health services
74
1,500
3,900
5,000
7,500
10,000
26
        Educational services
72
1,500
3,900
5,000
7,000
10,000
28
            Elementary and secondary schools
69
3,900
5,000
6,000
8,250
31
            Junior colleges, colleges, and universities
79
4,000
6,000
10,000
15,000
21
        Health care and social assistance
83
5,000
10,000
17
    Public administration
67
3,102
4,000
5,000
6,250
10,000
33
1 to 99 workers
70
800
3,900
5,000
6,250
10,000
30
    1 to 49 workers
70
2,500
3,900
5,000
6,000
10,000
30
    50 to 99 workers
70
800
5,000
7,500
10,000
30
100 workers or more
74
2,500
3,900
5,000
7,500
10,000
26
    100 to 499 workers
72
3,000
3,900
5,000
6,000
10,000
28
    500 workers or more
74
4,000
5,000
8,000
10,000
26
State government
75
3,900
5,000
7,500
15,000
25
Local government
72
2,500
3,900
5,000
7,000
10,000
28
Geographic areas
             
Northeast
80
2,500
5,000
5,000
13,000
20
    Middle Atlantic
79
2,500
5,000
5,000
6,500
21
South
89
800
3,900
5,000
6,000
10,000
11
    South Atlantic
90
800
3,900
5,000
10,000
10
    West South Central
85
5,000
5,000
6,000
10,000
15
Midwest
51
5,000
5,000
7,500
11,667
49
    East North Central
48
5,000
5,000
7,500
11,667
52
    West North Central
61
5,000
5,000
5,000
7,500
39
West
77
3,102
5,000
6,000
8,000
10,000
23
    Mountain
65
4,000
5,000
6,000
8,333
35
    Pacific
86
3,000
4,000
6,000
8,000
10,000
14
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 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.