Standard Errors
Long-term disability plans: Fixed percent of annual earnings

Table 30. Standard errors for long-term disability plans: Fixed percent of annual earnings, private industry
workers,  National Compensation Survey, March 2012

Characteristics

Fixed percent of annual earnings

Mean fixed
percent of
annual
earnings

Median
fixed
percent of
annual
earnings

Less than
60 percent

60 percent

61 to 66
percent

67 percent

Greater
than 67
percent

All workers

1.2

1.3

0.5

0.8

0.2

0.2

0.0

Worker characteristics

             

Management, professional, and related

1.9

2.0

0.8

1.0

0.1

0.3

0.0

    Management, business, and financial

2.0

2.2

0.7

1.6

0.2

0.4

0.0

    Professional and related

2.4

2.5

1.0

1.0

0.1

0.3

0.0

Service

3.4

3.8

2.8

1.0

0.6

0.5

0.0

Sales and office

1.4

1.4

0.7

1.0

0.4

0.3

0.0

    Sales and related

2.7

2.6

1.0

1.2

1.1

0.7

0.0

    Office and administrative support

1.7

1.8

0.7

1.1

0.3

0.3

0.0

Natural resources, construction, and maintenance

2.7

3.2

2.0

1.4

1.4

0.6

0.0

    Construction, extraction, farming, fishing, and
     forestry

4.9

6.2

1.1

0.0

    Installation, maintenance, and repair

2.8

4.1

2.3

1.9

1.5

0.6

0.0

Production, transportation, and material moving

1.8

2.5

1.3

0.3

0.0

    Production

2.2

3.1

2.0

0.3

0.0

    Transportation and material moving

2.9

3.3

1.3

0.5

0.0

Full time

1.2

1.2

0.5

0.8

0.2

0.2

0.0

Union

4.1

3.9

2.3

0.8

0.9

0.5

0.0

Nonunion

1.2

1.3

0.6

0.8

0.2

0.2

0.0

Average wage within the following categories:1

             

    Lowest 25 percent

3.7

4.1

1.5

1.4

1.2

0.7

0.0

        Lowest 10 percent

12.3

2.0

0.0

    Second 25 percent

2.1

2.1

1.0

1.3

0.4

0.3

0.0

    Third 25 percent

1.4

1.5

0.8

1.0

0.3

0.2

0.0

    Highest 25 percent

1.6

1.9

0.8

0.9

0.2

0.2

0.0

        Highest 10 percent

2.0

2.4

1.2

0.9

0.2

0.3

0.0

Establishment characteristics

             

Goods-producing industries

1.9

2.7

1.3

0.3

0.0

    Construction

5.0

1.0

0.0

    Manufacturing

2.1

3.0

1.5

0.3

0.0

Service-providing industries

1.5

1.4

0.6

0.9

0.2

0.2

0.0

    Trade, transportation, and utilities

2.0

2.0

1.0

0.8

0.6

0.4

0.0

        Wholesale trade

2.9

3.4

1.8

1.9

0.7

0.6

0.0

        Retail trade

3.8

1.8

1.2

0.9

0.0

        Transportation and warehousing

4.1

4.5

1.7

0.4

0.0

        Utilities

5.0

4.2

1.4

5.2

    Information

2.6

4.2

2.0

0.5

0.0

    Financial activities

1.8

1.7

1.0

0.9

0.4

0.2

0.0

        Finance and insurance

2.0

1.9

0.9

0.9

0.5

0.2

0.0

            Credit intermediation and related activities

2.7

2.5

1.3

1.4

0.4

0.4

0.0

            Insurance carriers and related activities

2.8

3.4

1.8

0.4

0.0

        Real estate and rental and leasing

8.0

0.7

0.0

    Professional and business services

2.7

3.1

2.4

0.5

0.0

        Professional and technical services

3.2

3.6

2.0

0.6

0.0

        Administrative and waste services

8.6

3.9

1.0

0.0

    Education and health services

3.5

3.4

0.9

1.7

0.1

0.4

0.0

        Educational services

1.5

3.2

1.1

2.6

0.1

0.3

0.0

            Junior colleges, colleges, and universities

1.5

2.1

1.4

1.1

0.2

0.2

0.0

        Healthcare and social assistance

4.2

4.1

2.0

0.5

0.0

    Leisure and hospitality

7.6

2.4

1.2

0.0

        Accommodation and food services

10.3

1.9

0.0

    Other services

9.0

1.4

1.7

0.0

1 to 99 workers

1.6

1.9

0.8

1.5

0.4

0.3

0.0

    1 to 49 workers

2.0

2.6

0.9

1.6

0.3

0.3

0.0

    50 to 99 workers

3.1

3.5

1.3

2.6

0.7

0.7

0.0

100 workers or more

1.6

1.7

0.6

0.9

0.2

0.2

0.0

    100 to 499 workers

1.5

2.1

1.0

1.1

0.4

0.3

0.0

    500 workers or more

2.3

2.0

0.7

1.1

0.2

0.3

0.0

Geographic areas

             

New England

5.0

1.4

1.4

0.6

0.0

Middle Atlantic

3.4

2.4

1.2

0.6

0.0

East North Central

4.3

4.1

1.1

0.5

0.0

West North Central

2.2

4.8

2.0

0.5

0.0

South Atlantic

1.8

2.0

0.9

0.6

0.6

0.3

0.0

East South Central

3.8

5.9

0.5

0.6

0.0

West South Central

3.0

3.3

1.1

0.7

0.0

Mountain

4.0

5.9

1.6

0.4

0.0

Pacific

4.1

3.4

1.8

2.1

0.3

0.6

0.0

1The 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.


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/glossary20112012.htm.