Long-term disability plans: Maximum benefit amounts Data Table

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2010

(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

79

$3,000

$5,000

$7,500

$10,000

$15,000

21

Worker characteristics

 

 

 

 

 

 

 

Management, professional, and related

79

3,333

5,000

7,500

10,000

15,000

21

    Management, business, and financial

82

4,000

5,500

10,000

12,000

15,000

18

    Professional and related

78

3,000

5,000

7,000

10,000

15,000

22

        Teachers

70

2,000

3,900

5,000

7,000

10,000

30

            Primary, secondary, and special education
             school teachers

65

1,500

3,000

5,000

6,000

8,000

35

        Registered nurses

84

3,000

5,000

7,500

10,000

15,000

16

Service

77

3,000

5,000

7,000

10,000

13,000

23

    Protective service

71

2,917

5,000

6,000

10,000

15,000

29

Sales and office

82

3,000

5,000

7,500

10,000

15,000

18

    Sales and related

85

2,500

5,000

7,000

10,000

16,667

15

    Office and administrative support

81

3,000

5,000

8,000

10,000

15,000

19

Natural resources, construction, and maintenance

79

3,000

4,000

5,000

10,000

15,000

21

    Construction, extraction, farming, fishing, and
     forestry

76

2,500

5,000

5,000

8,333

15,000

24

    Installation, maintenance, and repair

80

3,000

4,000

5,000

10,000

15,000

20

Production, transportation, and material moving

74

2,500

5,000

6,000

10,000

14,000

26

    Production

79

2,917

5,000

7,500

10,000

15,000

21

    Transportation and material moving

69

2,500

5,000

5,000

10,000

10,000

31

Full time

80

3,000

5,000

7,500

10,000

15,000

20

Union

65

2,222

4,000

5,000

8,000

10,000

35

Nonunion

82

3,000

5,000

7,500

10,000

15,000

18

Average wage within the following categories:3

 

 

 

 

 

 

 

    Lowest 25 percent

79

3,000

5,000

7,500

10,000

15,000

21

    Second 25 percent

80

3,000

5,000

6,000

10,000

15,000

20

    Third 25 percent

80

3,000

5,000

7,000

10,000

15,000

20

    Highest 25 percent

78

3,399

5,000

7,500

10,000

15,000

22

        Highest 10 percent

79

4,000

5,000

9,100

12,000

17,300

21

Establishment characteristics

 

 

 

 

 

 

 

Goods-producing industries

82

2,917

5,000

7,500

11,000

15,000

18

Service-providing industries

78

3,000

5,000

7,500

10,000

15,000

22

    Education and health services

77

3,000

5,000

6,000

10,000

11,000

23

        Educational services

70

2,000

3,900

5,000

7,500

10,000

30

            Elementary and secondary schools

65

1,500

3,333

5,000

6,000

8,000

35

            Junior colleges, colleges, and universities

78

3,600

5,000

6,000

10,000

12,500

22

        Health care and social assistance

83

3,000

5,000

6,000

10,000

13,333

17

            Hospitals

86

3,000

5,000

7,500

10,000

15,000

14

    Public administration

62

38

1 to 99 workers

81

3,000

5,000

6,000

10,000

15,000

19

    1 to 49 workers

83

3,000

5,000

6,500

10,000

15,000

17

    50 to 99 workers

78

3,000

5,000

6,000

10,000

10,833

22

100 workers or more

78

3,000

5,000

7,500

10,000

15,000

22

    100 to 499 workers

81

3,500

5,000

7,000

10,000

15,000

19

    500 workers or more

76

3,000

5,000

9,000

11,000

15,000

24

Geographic areas

 

 

 

 

 

 

 

New England

85

4,000

5,000

7,500

10,000

15,000

15

Middle Atlantic

83

3,000

5,000

7,500

10,000

15,000

17

East North Central

69

3,000

5,000

6,500

10,000

15,000

31

West North Central

74

3,500

5,000

6,000

10,000

15,000

26

South Atlantic

82

2,917

4,000

6,000

10,000

15,000

18

West South Central

82

3,000

5,000

7,500

10,000

15,000

18

Mountain

74

4,000

5,000

7,500

10,000

20,000

26

Pacific

80

4,000

5,000

10,000

10,000

17,300

20

Footnotes:

1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal 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.

3The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both above and below the threshold.
The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical
Note for more details.


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/glossary20092010.htm.