Standard Errors
Short-term disability plans: Method of funding

Table 22. Standard errors for short-term disability plans: Method of funding,
civilian workers,1 National Compensation Survey, March 2013

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

1.3

1.1

1.1

0.2

Worker characteristics

       

Management, professional, and related

1.8

1.7

    Management, business, and financial

2.2

2.1

0.8

0.3

    Professional and related

2.1

2.0

1.5

0.5

        Teachers

3.2

3.8

2.7

0.5

            Primary, secondary, and special education
             school teachers

3.7

4.2

3.1

0.9

        Registered nurses

5.7

4.5

Service

2.9

1.8

2.3

0.2

    Protective service

5.6

6.9

Sales and office

1.4

1.4

1.4

0.2

    Sales and related

2.5

2.5

2.2

0.4

    Office and administrative support

1.6

1.5

1.3

0.3

Natural resources, construction, and maintenance

2.7

2.9

1.3

0.7

    Construction, extraction, farming, fishing, and
     forestry

4.3

4.5

3.4

1.6

    Installation, maintenance, and repair

3.3

3.9

Production, transportation, and material moving

1.7

1.8

1.3

0.5

    Production

2.5

2.6

1.2

0.5

    Transportation and material moving

2.4

2.3

1.7

1.0

Full time

1.3

1.2

1.0

0.3

Part time

3.0

2.1

2.6

0.6

Union

2.3

2.5

2.0

0.7

Nonunion

1.3

1.2

1.1

0.2

Average wage within the following categories:3

       

    Lowest 25 percent

3.0

2.2

2.9

0.2

        Lowest 10 percent

3.7

3.1

    Second 25 percent

1.9

1.7

2.1

0.3

    Third 25 percent

1.6

1.4

    Highest 25 percent

1.7

1.5

1.1

0.5

        Highest 10 percent

2.2

2.0

0.9

0.9

Establishment characteristics

       

Goods-producing industries

2.0

2.1

1.4

0.4

Service-providing industries

1.5

1.2

1.2

0.3

    Education and health services

2.5

2.1

1.8

0.4

        Educational services

2.7

2.6

1.3

0.9

            Elementary and secondary schools

3.8

3.8

1.8

1.5

            Junior colleges, colleges, and universities

2.5

2.1

        Healthcare and social assistance

3.7

3.0

2.6

0.4

            Hospitals

4.9

3.8

2.3

0.7

    Public administration

4.2

3.9

2.1

0.7

1 to 99 workers

1.9

1.9

1.6

0.2

    1 to 49 workers

2.1

2.3

2.0

0.4

    50 to 99 workers

2.9

3.3

3.5

0.3

100 workers or more

1.4

1.1

1.2

0.3

    100 to 499 workers

1.8

1.7

0.9

0.3

    500 workers or more

2.1

1.4

1.7

0.5

Geographic areas

       

New England

6.2

7.0

Middle Atlantic

1.9

1.6

2.5

0.3

East North Central

3.4

2.8

1.3

South Atlantic

3.1

3.1

0.2

East South Central

4.6

5.3

West South Central

3.9

3.9

Mountain

5.2

5.0

0.4

Pacific

3.0

2.8

1.5

0.4

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.

2Employer assumes all risks and expenses of providing the benefit.

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: 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.