Long-term disability plans: Maximum benefit amounts

Table 31. Long-term disability plans: Maximum benefit amounts, State and local government workers,
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 amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

65

$3,900

$5,000

$6,000

$9,000

35

Worker characteristics

             

Management, professional, and related

66

3,900

5,000

6,000

8,000

34

    Professional and related

64

3,900

5,000

6,000

8,000

36

        Teachers

64

3,900

5,000

6,000

8,000

36

            Primary, secondary, and special education
             school teachers

61

3,500

5,000

5,250

8,000

39

Service

64

4,000

5,000

7,500

10,000

36

    Protective service

65

4,500

5,000

7,500

10,000

35

Sales and office

59

5,000

6,000

9,000

41

    Office and administrative support

59

5,000

6,000

9,000

41

Natural resources, construction, and maintenance

65

3,900

5,000

6,000

7,500

35

Production, transportation, and material moving

79

3,000

5,000

7,000

10,000

21

Full time

66

3,900

5,000

6,000

9,000

34

Part time

49

4,500

5,000

6,000

8,100

51

Union

62

3,500

5,000

6,000

9,000

38

Nonunion

67

3,900

5,000

6,000

8,750

33

Average wage within the following categories:2

             

    Lowest 25 percent

60

3,900

5,000

6,000

8,000

40

        Lowest 10 percent

54

3,900

5,000

6,500

10,000

46

    Second 25 percent

66

5,000

6,000

9,000

34

    Third 25 percent

66

3,900

5,000

6,000

9,400

34

    Highest 25 percent

66

4,000

5,000

6,000

9,100

34

        Highest 10 percent

71

$2,500

4,500

5,000

7,000

8,000

29

Establishment characteristics

             

Service-providing industries

65

3,900

5,000

6,000

9,000

35

    Education and health services

63

3,900

5,000

6,000

8,000

37

        Educational services

64

3,900

5,000

6,000

8,000

36

            Elementary and secondary schools

63

3,500

5,000

8,000

37

            Junior colleges, colleges, and universities

66

3,900

5,500

7,000

10,000

34

        Healthcare and social assistance

57

800

4,000

5,000

7,000

8,000

43

    Public administration

65

5,000

6,000

9,000

35

1 to 99 workers

66

3,900

5,000

5,000

7,000

34

    1 to 49 workers

76

3,000

3,900

5,000

5,000

7,000

24

    50 to 99 workers

56

5,000

5,000

44

100 workers or more

65

3,900

5,000

6,000

10,000

35

    100 to 499 workers

58

4,000

5,000

6,000

9,400

42

    500 workers or more

67

3,900

5,000

6,000

10,000

33

State government

59

3,500

5,000

6,000

10,000

41

Local government

67

3,900

5,000

6,000

9,000

33

Geographic areas

             

Middle Atlantic

78

5,000

6,500

7,500

22

East North Central

44

3,000

4,500

5,000

7,000

10,000

56

West North Central

58

3,000

4,500

5,000

5,250

7,500

42

South Atlantic

82

800

3,900

5,000

8,000

18

Mountain

44

5,000

5,000

7,000

10,000

56

Pacific

63

3,000

4,500

5,000

6,000

10,000

37

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/glossary20122013.htm.

2Surveyed 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."