Standard Errors
Short-term disability plans: Method of funding

Table 22. Standard errors for short-term disability plans: Method of funding,
private industry workers, March 2018
Characteristics Non-
commercially
insured1 		Commercially
insured 		Legally
required 		Other
All workers
1.3
1.4
1.0
0.1
Worker characteristics
       
Management, professional, and related
1.9
1.9
1.1
0.1
    Management, business, and financial
2.7
2.4
–
–
    Professional and related
2.4
3.0
–
–
Service
–
4.2
5.0
–
    Protective service
10.7
–
7.6
–
Sales and office
2.4
2.3
–
–
    Sales and related
2.9
2.8
2.6
–
    Office and administrative support
2.5
2.4
–
–
Natural resources, construction, and maintenance
2.2
2.1
–
–
    Construction, extraction, farming, fishing, and
     forestry
3.4
4.6
–
–
    Installation, maintenance, and repair
3.0
2.6
–
–
Production, transportation, and material moving
2.3
2.4
1.3
–
    Production
2.3
2.2
1.2
–
    Transportation and material moving
3.6
4.0
2.6
–
Full time
1.3
1.5
0.9
0.1
Part time
–
2.8
3.2
–
Union
2.9
3.2
–
–
Nonunion
1.3
1.4
0.9
[2]
Average wage within the following categories:3
       
    Lowest 25 percent
2.8
3.2
–
–
        Lowest 10 percent
5.6
5.3
9.3
–
    Second 25 percent
1.9
2.3
–
–
    Third 25 percent
1.8
2.2
1.8
0.1
    Highest 25 percent
1.9
1.7
1.2
0.1
        Highest 10 percent
2.7
2.5
1.7
0.1
Establishment characteristics
       
Service-providing industries
1.5
1.7
1.2
0.1
    Trade, transportation, and utilities
1.5
1.7
–
–
        Wholesale trade
2.7
2.9
2.0
–
        Retail trade
2.6
2.9
2.1
–
        Transportation and warehousing
5.0
5.7
–
–
        Utilities
8.3
8.2
–
–
    Information
3.8
3.8
0.7
–
    Financial activities
2.4
1.9
–
–
        Finance and insurance
1.9
1.8
–
–
            Credit intermediation and related activities
2.0
1.7
–
–
            Insurance carriers and related activities
3.2
3.5
–
–
        Real estate and rental and leasing
6.0
6.9
7.6
–
    Professional and business services
4.9
4.6
–
–
        Professional and technical services
4.3
4.8
–
–
        Administrative and waste services
10.3
–
7.2
–
    Education and health services
3.6
5.2
–
–
        Educational services
6.6
6.3
–
–
            Junior colleges, colleges, and universities
3.6
3.7
0.9
–
        Health care and social assistance
4.2
6.4
–
–
    Leisure and hospitality
6.1
3.8
5.8
–
        Accommodation and food services
6.8
4.6
5.8
–
    Other services
5.3
5.8
4.0
–
1 to 99 workers
1.8
2.3
1.7
0.1
    1 to 49 workers
2.2
2.6
1.8
0.1
    50 to 99 workers
3.2
3.5
2.8
–
100 workers or more
1.7
1.7
1.0
0.1
    100 to 499 workers
2.1
2.2
1.0
[2]
    500 workers or more
2.4
2.1
1.6
0.2
Geographic areas
       
Northeast
–
2.4
2.5
–
    New England
5.3
5.1
–
–
    Middle Atlantic
–
2.0
2.4
–
South
2.8
2.8
–
–
    South Atlantic
4.5
4.5
–
–
    East South Central
4.5
4.9
–
–
    West South Central
3.3
3.3
–
–
Midwest
2.1
2.1
–
0.1
    East North Central
2.1
2.1
–
0.1
    West North Central
5.0
4.9
–
–
West
2.9
2.9
1.9
–
    Mountain
4.0
4.0
–
–
    Pacific
3.9
3.5
2.7
–
1Employer assumes all risks and expenses of providing the benefit.
2Less than 0.05.
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: 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.