Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, private industry workers,  National
Compensation Survey, March 2012

(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

85

$3,333

$5,000

$8,000

$10,883

$15,000

15

Worker characteristics

             

Management, professional, and related

86

5,000

6,000

10,000

12,500

17,500

14

    Management, business, and financial

88

5,000

6,000

10,000

14,167

20,000

12

    Professional and related

85

4,286

5,000

8,000

11,000

15,000

15

Service

81

3,000

5,000

7,500

10,000

12,500

19

Sales and office

88

3,000

5,000

9,000

12,000

20,000

12

    Sales and related

90

5,000

7,500

12,000

20,000

10

    Office and administrative support

88

3,000

5,000

10,000

12,000

20,000

12

Natural resources, construction, and maintenance

85

3,000

5,000

6,667

10,000

15,000

15

    Construction, extraction, farming, fishing, and
     forestry

86

2,917

5,000

15,000

14

    Installation, maintenance, and repair

85

5,000

9,000

10,000

15,000

15

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

71

5,000

6,000

10,000

15,000

29

Full time

85

3,333

5,000

8,000

10,500

15,000

15

Union

71

2,500

4,000

5,000

10,000

15,000

29

Nonunion

86

4,000

5,000

8,333

11,250

15,500

14

Average wage within the following categories:2

             

    Lowest 25 percent

82

3,000

5,000

6,000

10,000

15,000

18

    Second 25 percent

83

3,000

5,000

7,500

10,000

15,000

17

    Third 25 percent

86

3,000

5,000

8,000

10,000

15,000

14

    Highest 25 percent

86

4,000

5,000

10,000

12,500

20,000

14

        Highest 10 percent

85

5,000

6,000

10,000

15,000

20,000

15

Establishment characteristics

             

Goods-producing industries

83

2,917

5,000

7,000

10,000

15,000

17

    Construction

96

4,000

5,000

6,000

10,000

15,000

4

    Manufacturing

80

3,000

5,000

7,500

10,000

15,000

20

Service-providing industries

86

4,000

5,000

8,300

11,000

17,300

14

    Trade, transportation, and utilities

79

3,000

5,000

7,000

10,000

15,000

21

        Wholesale trade

87

5,000

7,000

10,000

15,000

13

        Retail trade

91

5,000

10,000

10,000

9

        Transportation and warehousing

65

5,000

8,000

15,000

35

        Utilities

60

5,000

8,000

10,000

15,000

23,077

40

    Information

84

4,000

5,000

9,340

12,000

16

    Financial activities

90

3,000

6,500

10,000

20,000

25,000

10

        Finance and insurance

89

3,000

7,500

12,000

20,833

30,000

11

            Credit intermediation and related activities

88

2,500

6,250

10,833

20,833

30,000

12

            Insurance carriers and related activities

88

5,000

10,500

15,000

25,000

12

    Professional and business services

85

5,000

6,000

10,000

10,000

17,300

15

        Professional and technical services

91

5,000

6,000

10,000

10,000

9

    Education and health services

89

5,000

7,000

10,000

15,000

11

        Educational services

88

4,000

5,000

7,000

10,000

14,000

12

            Junior colleges, colleges, and universities

88

4,500

5,000

7,500

10,000

15,000

12

        Healthcare and social assistance

89

3,000

5,000

7,000

10,000

15,000

11

    Leisure and hospitality:
       Accommodation and food services

61

7,560

10,000

10,000

39

1 to 99 workers

86

3,500

5,000

7,560

10,000

15,000

14

    1 to 49 workers

87

5,000

8,000

10,000

15,000

13

    50 to 99 workers

85

4,000

5,000

7,500

10,000

13,890

15

100 workers or more

84

3,098

5,000

9,500

12,500

20,000

16

    100 to 499 workers

88

4,000

5,000

7,500

10,000

15,000

12

    500 workers or more

81

3,000

5,000

10,000

15,000

20,000

19

Geographic areas

             

New England

92

4,500

5,000

7,500

10,000

15,000

8

Middle Atlantic

86

3,000

5,000

7,500

12,000

15,000

14

East North Central

80

3,000

5,000

7,000

10,000

15,000

20

West North Central

76

4,000

5,000

10,000

12,000

20,833

24

South Atlantic

87

3,500

5,000

8,000

10,500

15,000

13

West South Central

86

4,000

5,000

7,500

10,000

15,000

14

Pacific

87

4,000

6,000

10,000

13,000

18,000

13

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/glossary20112012.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.