Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2013

(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

83

$3,000

$5,000

$7,500

$10,000

$15,000

17

Worker characteristics

             

Management, professional, and related

83

3,000

5,000

8,000

10,000

15,000

17

    Management, business, and financial

87

3,900

5,000

10,000

12,250

20,000

13

    Professional and related

80

3,000

5,000

7,500

10,000

15,000

20

        Teachers

70

3,900

5,000

7,000

10,000

30

            Primary, secondary, and special education
             school teachers

65

3,900

5,000

6,000

8,000

35

        Registered nurses

88

5,000

7,500

10,000

15,000

12

Service

80

3,000

5,000

6,000

10,000

10,000

20

    Protective service

73

5,000

8,000

10,000

27

Sales and office

87

3,000

5,000

8,000

12,000

20,000

13

    Sales and related

91

4,000

5,000

7,500

12,000

20,000

9

    Office and administrative support

85

3,000

5,000

8,000

11,200

17,500

15

Natural resources, construction, and maintenance

83

3,000

4,000

5,000

10,000

15,000

17

    Construction, extraction, farming, fishing, and
     forestry

76

5,000

15,000

24

    Installation, maintenance, and repair

86

3,000

4,000

6,000

10,000

12,500

14

Production, transportation, and material moving

83

5,000

6,000

10,000

15,000

17

    Production

82

2,500

5,000

7,000

10,000

15,000

18

    Transportation and material moving

84

3,000

5,000

10,000

13,000

16

Full time

84

3,000

5,000

7,500

10,000

15,000

16

Part time

76

2,500

5,000

6,000

10,000

15,000

24

Union

73

3,000

5,000

7,500

10,000

27

Nonunion

85

3,000

5,000

7,500

10,000

15,000

15

Average wage within the following categories:3

             

    Lowest 25 percent

85

3,000

5,000

6,000

10,000

15,000

15

    Second 25 percent

84

3,000

5,000

7,000

10,000

15,000

16

    Third 25 percent

83

3,000

5,000

7,000

10,000

15,000

17

    Highest 25 percent

83

3,000

5,000

8,000

10,500

16,000

17

        Highest 10 percent

83

4,000

5,000

10,000

12,500

20,000

17

Establishment characteristics

             

Goods-producing industries

83

3,000

5,000

7,000

10,000

15,000

17

Service-providing industries

84

3,000

5,000

7,500

10,000

15,000

16

    Education and health services

82

2,500

5,000

6,000

10,000

12,500

18

        Educational services

71

3,900

5,000

7,500

10,000

29

            Elementary and secondary schools

66

3,900

5,000

6,000

8,000

34

            Junior colleges, colleges, and universities

79

5,000

7,000

10,000

14,000

21

        Healthcare and social assistance

90

3,000

5,000

6,000

10,000

15,000

10

            Hospitals

89

3,000

5,000

7,000

10,000

15,000

11

    Public administration

65

3,333

5,000

6,000

9,000

35

1 to 99 workers

88

3,000

5,000

7,000

10,000

15,000

12

    1 to 49 workers

89

3,000

5,000

10,000

15,000

11

    50 to 99 workers

84

5,000

7,500

10,000

15,000

16

100 workers or more

82

2,917

5,000

7,500

10,000

15,000

18

    100 to 499 workers

87

3,000

5,000

7,500

10,000

15,000

13

    500 workers or more

77

2,500

5,000

7,500

12,000

16,000

23

Geographic areas

             

New England

92

3,000

5,000

7,500

11,000

15,000

8

Middle Atlantic

86

2,500

5,000

6,000

10,000

15,000

14

East North Central

77

3,000

5,000

6,000

10,000

15,000

23

West North Central

74

3,500

5,000

7,500

10,000

16,000

26

South Atlantic

86

2,500

4,000

7,500

10,000

15,000

14

West South Central

90

3,000

5,000

7,500

10,000

15,000

10

Mountain

78

3,000

5,000

7,500

10,000

20,000

22

Pacific

84

3,000

5,000

10,000

10,208

17,300

16

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&nb sp;shown. The remaining percentiles follow the same logic.

3Surveyed 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 data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2013."


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/glossary20122013.htm.