Long-term disability plans: Maximum benefit amounts

Table 32. Long-term disability plans: Maximum benefit amounts, private industry workers,  National
Compensation Survey, March 2011

(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

84

$3,500

$5,000

$8,000

$10,000

$15,000

16

Worker characteristics

             

Management, professional, and related

85

4,000

5,000

9,000

12,000

15,000

15

    Management, business, and financial

85

5,000

6,000

10,000

14,286

20,000

15

    Professional and related

84

4,000

5,000

8,000

10,000

15,000

16

Service

82

3,000

5,000

7,500

10,000

13,000

18

Sales and office

86

3,333

5,000

9,500

12,000

20,000

14

    Sales and related

88

3,000

5,000

7,500

12,000

20,000

12

    Office and administrative support

85

4,000

5,000

10,000

12,000

20,000

15

Natural resources, construction, and maintenance

84

3,000

5,000

6,000

10,000

15,000

16

    Construction, extraction, farming, fishing, and
     forestry

87

2,500

5,000

5,000

10,000

15,000

13

    Installation, maintenance, and repair

83

3,000

4,000

6,000

10,000

15,000

17

Production, transportation, and material moving

76

2,500

5,000

6,000

10,000

15,000

24

    Production

80

2,500

5,000

7,000

10,000

15,000

20

    Transportation and material moving

72

2,500

5,000

5,000

10,000

12,000

28

Full time

84

3,900

5,000

8,000

10,000

15,000

16

Union

71

2,917

4,000

5,000

10,000

15,000

29

Nonunion

85

4,000

5,000

8,000

10,000

15,000

15

Average wage within the following categories:2

             

    Lowest 25 percent

82

3,000

5,000

7,500

10,000

15,000

18

    Second 25 percent

84

3,000

5,000

7,500

10,000

15,000

16

    Third 25 percent

84

3,098

5,000

7,500

10,000

15,000

16

    Highest 25 percent

83

4,000

5,000

10,000

12,500

17,300

17

        Highest 10 percent

83

5,000

6,000

10,000

15,000

20,000

17

Establishment characteristics

             

Goods-producing industries

82

2,917

5,000

7,000

10,000

15,000

18

    Construction

95

5

    Manufacturing

79

2,500

5,000

7,500

10,000

15,000

21

Service-providing industries

84

4,000

5,000

8,000

10,000

16,000

16

    Trade, transportation, and utilities

77

3,000

5,000

6,000

10,000

15,000

23

        Wholesale trade

81

5,000

5,000

7,500

10,000

15,000

19

        Transportation and warehousing

61

39

        Utilities

65

5,000

7,500

12,000

15,000

20,000

35

    Information

86

4,000

4,000

7,500

12,000

15,000

14

    Financial activities

87

4,167

7,500

10,000

20,000

35,000

13

        Finance and insurance

86

5,000

9,500

12,000

20,000

41,667

14

            Credit intermediation and related activities

85

5,000

9,000

12,250

30,000

41,667

15

            Insurance carriers and related activities

85

4,167

7,000

10,000

15,000

25,000

15

    Professional and business services

86

5,000

6,000

10,000

10,000

16,000

14

        Professional and technical services

92

5,000

6,000

8,000

10,000

15,000

8

    Education and health services

86

3,000

5,000

6,500

10,000

15,000

14

        Educational services

86

4,000

5,000

7,000

10,000

14,500

14

            Junior colleges, colleges, and universities

88

4,500

5,000

7,500

10,000

15,000

12

        Health care and social assistance

86

3,000

5,000

6,000

10,000

15,000

14

    Other services

76

3,000

5,000

6,000

10,000

10,000

24

1 to 99 workers

84

3,000

5,000

7,500

10,000

15,000

16

    1 to 49 workers

84

3,900

5,000

7,500

10,000

15,000

16

    50 to 99 workers

84

3,000

5,000

6,000

10,000

15,000

16

100 workers or more

83

4,000

5,000

9,340

12,000

16,000

17

    100 to 499 workers

87

3,500

5,000

7,500

10,000

15,000

13

    500 workers or more

80

4,000

5,000

10,000

15,000

20,000

20

Geographic areas

             

New England

87

4,167

5,000

7,500

10,000

15,000

13

Middle Atlantic

84

3,000

5,000

7,500

10,500

15,000

16

East North Central

78

3,200

5,000

7,000

10,000

15,000

22

West North Central

81

4,000

5,000

10,000

12,000

20,000

19

South Atlantic

83

3,500

5,000

8,000

10,500

15,000

17

West South Central

84

4,000

5,000

10,000

10,000

15,000

16

Mountain

85

5,000

5,000

8,000

15,000

20,000

15

Pacific

86

4,000

5,500

10,000

14,000

17,300

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 re ceive the same or less
than the benefit shown. The remaining percentiles follow the same logic.


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/glossary20102011.htm.

2The 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,
2010." See Technical Note for more details.