Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, private industry 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
91
$4,000
$5,000
$8,000
$12,000
9
Worker characteristics
             
Management, professional, and related
91
4,000
6,000
10,000
15,000
$20,000
9
    Management, business, and financial
91
5,000
6,000
10,000
15,000
20,833
9
    Professional and related
92
4,000
5,000
8,500
12,500
16,000
8
Service
96
4,000
5,000
7,500
10,000
15,000
4
Sales and office
91
4,000
5,000
9,500
15,000
20,000
9
    Sales and related
87
5,000
5,000
10,000
12,000
20,000
13
    Office and administrative support
92
4,000
5,000
9,500
15,000
20,000
8
Natural resources, construction, and maintenance
88
5,000
7,000
10,000
15,000
12
    Installation, maintenance, and repair
89
5,000
7,000
10,000
15,000
11
Production, transportation, and material moving
89
5,000
7,000
10,000
15,000
11
    Production
88
3,000
5,000
7,000
10,000
15,000
12
    Transportation and material moving
90
5,000
7,000
10,000
15,000
10
Full time
91
4,000
5,000
8,500
12,000
16,000
9
Part time
88
4,500
5,000
6,667
10,000
20,000
12
Union
85
3,000
6,000
10,000
15,000
15
Nonunion
92
4,500
5,000
9,000
12,500
17,333
8
Average wage within the following categories:2
             
    Lowest 25 percent
95
4,000
5,000
7,500
10,000
15,000
5
    Second 25 percent
91
5,000
7,500
10,000
15,000
9
    Third 25 percent
92
4,000
5,000
8,000
12,000
15,000
8
    Highest 25 percent
90
4,000
6,000
10,000
15,000
20,000
10
        Highest 10 percent
89
5,000
6,000
10,000
15,000
20,000
11
Establishment characteristics
             
Goods-producing industries
91
5,000
10,000
12,500
9
    Manufacturing
90
5,000
10,000
12,500
15,000
10
Service-providing industries
91
4,000
5,000
8,000
12,000
17,000
9
    Trade, transportation, and utilities
87
5,000
7,000
10,000
15,000
13
        Wholesale trade
86
3,000
5,000
7,000
10,000
15,000
14
        Utilities
65
6,000
12,000
15,000
15,000
35
    Information
96
4,000
5,000
10,000
15,000
20,000
4
    Financial activities
87
5,000
10,000
12,000
20,833
30,000
13
        Finance and insurance
85
5,400
10,000
12,500
20,833
30,000
15
            Credit intermediation and related activities
89
6,000
10,000
15,000
20,833
30,000
11
            Insurance carriers and related activities
77
5,000
10,000
17,333
30,000
23
    Professional and business services
90
6,000
10,000
15,000
20,000
10
        Professional and technical services
93
5,000
6,667
10,000
15,000
20,000
7
    Education and health services
95
4,000
5,000
6,000
10,000
15,000
5
        Educational services
93
3,900
5,000
7,500
10,000
20,000
7
            Junior colleges, colleges, and universities
91
4,000
6,000
8,500
12,000
20,000
9
        Health care and social assistance
95
4,000
5,000
6,000
10,000
15,000
5
        Accommodation and food services
100
5,000
10,000
10,000
1 to 99 workers
92
4,000
5,000
7,500
10,000
15,000
8
    1 to 49 workers
91
4,000
5,000
7,500
10,000
9
    50 to 99 workers
95
4,000
5,000
7,000
10,000
15,000
5
100 workers or more
90
5,000
10,000
13,500
20,000
10
    100 to 499 workers
91
3,500
5,000
8,000
10,000
15,000
9
    500 workers or more
89
6,000
10,000
15,000
20,000
11
Geographic areas
             
Northeast
94
3,000
5,000
8,000
15,000
6
    New England
93
5,000
7,500
15,000
7
    Middle Atlantic
94
3,000
5,000
8,333
10,000
17,333
6
South
91
4,000
5,000
10,000
15,000
20,000
9
    South Atlantic
91
6,000
10,000
15,000
20,000
9
    East South Central
88
5,000
7,000
10,000
15,000
12
    West South Central
92
4,000
5,000
10,000
13,500
8
Midwest
88
5,000
7,500
12,000
15,000
12
    East North Central
87
5,000
7,000
11,000
15,000
13
    West North Central
90
5,000
8,000
12,500
20,000
10
West
92
4,500
6,000
10,000
12,000
20,000
8
    Mountain
91
5,000
6,000
10,000
12,000
9
    Pacific
93
4,000
6,000
10,000
12,000
20,000
7
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.