Short-term disability plans: Method of funding

Table 22. Short-term disability plans: Method of funding, private industry
workers,  National Compensation Survey, March 2013

(All workers with short-term disability coverage = 100 percent)

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

44

37

17

1

Worker characteristics

       

Management, professional, and related

49

37

13

1

    Management, business, and financial

51

37

11

1

    Professional and related

48

36

14

1

Service

30

41

Sales and office

47

35

18

1

    Sales and related

47

33

19

1

    Office and administrative support

47

35

17

1

Natural resources, construction, and maintenance

41

45

12

2

    Construction, extraction, farming, fishing, and
     forestry

32

49

14

5

    Installation, maintenance, and repair

47

42

Production, transportation, and material moving

42

43

13

2

    Production

38

51

10

1

    Transportation and material moving

48

33

Full time

45

39

15

1

Part time

39

17

43

1

Union

47

33

16

4

Nonunion

44

38

18

1

Average wage within the following categories:2

       

    Lowest 25 percent

31

39

        Lowest 10 percent

29

49

    Second 25 percent

41

42

17

1

    Third 25 percent

44

40

15

1

    Highest 25 percent

52

35

12

1

        Highest 10 percent

54

32

Establishment characteristics

       

Goods-producing industries

41

48

10

1

    Construction

20

54

21

5

    Manufacturing

45

46

8

1

Service-providing industries

45

34

19

1

    Trade, transportation, and utilities

47

35

17

1

        Wholesale trade

43

44

        Retail trade

41

35

23

1

        Transportation and warehousing

58

24

        Utilities

72

26

    Information

66

25

    Financial activities

66

23

        Finance and insurance

72

21

            Credit intermediation and related activities

74

20

            Insurance carriers and related activities

73

21

6

        Real estate and rental and leasing

42

35

    Professional and business services

40

42

        Professional and technical services

35

52

        Administrative and waste services

34

40

    Education and health services

38

36

25

1

        Educational services

39

37

            Junior colleges, colleges, and universities

56

29

        Healthcare and social assistance

37

36

26

1

    Leisure and hospitality

31

29

41

        Accommodation and food services

32

30

38

    Other services

42

44

1 to 99 workers

31

40

29

1

    1 to 49 workers

30

38

32

1

    50 to 99 workers

33

45

21

1

100 workers or more

53

36

10

1

    100 to 499 workers

43

45

11

1

    500 workers or more

62

26

10

2

Geographic areas

       

New England

53

45

Middle Atlantic

20

21

58

1

East North Central

57

40

3

South Atlantic

50

49

East South Central

48

51

West South Central

61

38

Mountain

54

45

Pacific

45

41

13

1

1Employer assumes all risks and expenses of
providing the benefit.


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& nbsp;Compensation - March 2013."