Short-term disability plans: Method of funding

Table 22. Short-term disability plans: Method of funding, private industry
workers, March 2018
(All workers with short-term disability coverage = 100 percent)
Characteristics Non-
commercially
insured1
Commercially
insured
Legally
required
Other
All workers
41
43
16
[2]
Worker characteristics
       
Management, professional, and related
45
43
12
[2]
    Management, business, and financial
47
41
    Professional and related
43
44
Service
37
36
    Protective service
36
37
Sales and office
46
38
    Sales and related
50
35
15
    Office and administrative support
45
39
Natural resources, construction, and maintenance
34
50
    Construction, extraction, farming, fishing, and
     forestry
25
56
    Installation, maintenance, and repair
40
47
Production, transportation, and material moving
40
50
10
    Production
47
47
6
    Transportation and material moving
33
52
14
Full time
43
44
13
[2]
Part time
29
44
Union
35
49
Nonunion
42
42
16
[2]
Average wage within the following categories:3
       
    Lowest 25 percent
33
37
        Lowest 10 percent
28
36
37
    Second 25 percent
39
43
    Third 25 percent
42
46
12
[2]
    Highest 25 percent
46
42
12
[2]
        Highest 10 percent
47
41
12
[2]
Establishment characteristics
       
Service-providing industries
41
41
18
[2]
    Trade, transportation, and utilities
42
40
        Wholesale trade
36
45
19
        Retail trade
47
31
22
        Transportation and warehousing
37
50
        Utilities
50
46
    Information
66
30
4
    Financial activities
64
27
        Finance and insurance
70
25
            Credit intermediation and related activities
74
21
            Insurance carriers and related activities
69
27
        Real estate and rental and leasing
25
39
37
    Professional and business services
37
45
        Professional and technical services
32
50
        Administrative and waste services
35
33
    Education and health services
27
54
        Educational services
43
37
            Junior colleges, colleges, and universities
60
27
13
        Health care and social assistance
24
57
    Leisure and hospitality
34
31
35
        Accommodation and food services
38
24
38
    Other services
31
40
28
1 to 99 workers
30
46
24
[2]
    1 to 49 workers
30
43
26
[2]
    50 to 99 workers
28
53
19
100 workers or more
49
41
10
[2]
    100 to 499 workers
45
45
11
[2]
    500 workers or more
54
36
9
[2]
Geographic areas
       
Northeast
30
47
    New England
35
63
    Middle Atlantic
24
56
South
49
51
    South Atlantic
45
55
    East South Central
55
44
    West South Central
54
46
Midwest
55
44
[2]
    East North Central
55
45
[2]
    West North Central
56
43
West
40
50
10
    Mountain
38
62
    Pacific
42
43
15
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 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.