Long-term disability plans: Method of benefit payment Data Table

Table 18. Long-term disability plans: Method of benefit payment, private
industry workers, National Compensation Survey, March 2008

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

Characteristics

Fixed
percent of
earnings

Pecent
varies by
earnings

Flat dollar
amounts

Other

All workers

92

5

2

1

Worker characteristics

        

Management, professional, and related

93

6

[1]

[1]

    Management, business, and financial

90

9

1

1

    Professional and related

94

5

[1]

–

Service

93

5

1

–

Sales and office

94

5

1

[1]

    Sales and related

94

5

–

–

    Office and administrative support

95

4

1

[1]

Natural resources, construction, and maintenance

89

6

2

3

    Construction, extraction, farming, fishing, and
     forestry

83

–

2

3

    Installation, maintenance, and repair

91

4

2

3

Production, transportation, and material moving

84

5

6

5

    Production

81

5

9

4

    Transportation and material moving

89

4

2

5

Full time

92

5

2

1

Part time

92

7

–

–

Union

74

7

11

8

Nonunion

94

5

[1]

[1]

Average wage within the following percentiles:2

        

    Less than 10

97

–

–

–

    10 to under 25

97

2

–

–

    25 to under 50

94

5

1

1

    50 to under 75

92

5

2

1

    75 to under 90

89

5

4

3

    90 or greater

91

8

[1]

1

Establishment characteristics

        

Goods-producing industries

87

5

6

3

    Construction

90

–

–

–

    Manufacturing

87

3

7

3

Service-providing industries

93

6

1

1

    Trade, transportation, and utilities

89

7

1

3

        Wholesale trade

92

–

–

–

        Retail trade

83

14

–

3

        Transportation and warehousing

95

–

–

–

        Utilities

83

–

1

–

    Information

92

7

–

–

    Financial activities

92

7

1

–

        Finance and insurance

92

7

[1]

–

            Credit intermediation and related activities

92

7

–

–

            Insurance carriers and related activities

93

7

1

–

        Real estate and rental and leasing

97

–

–

–

    Professional and business services

94

6

–

–

        Professional and technical services

97

3

–

–

        Administrative and waste services

83

–

–

–

    Education and health services

95

4

–

–

        Educational services

91

–

–

–

            Junior colleges, colleges, and universities

88

–

–

–

        Health care and social assistance

97

3

–

–

    Leisure and hospitality

100

–

–

–

        Accommodation and food services

100

–

–

–

    Other services

90

–

–

–

1 to 99 workers

95

4

1

[1]

    1 to 49 workers

95

3

1

[1]

    50 to 99 workers

94

4

–

–

100 workers or more

90

6

2

2

    100 to 499 workers

91

7

1

1

    500 workers or more

89

6

3

2

Geographic areas

        

Metropolitan areas

92

5

2

1

Nonmetropolitan areas

91

7

1

–

New England

94

5

–

–

Middle Atlantic

95

4

1

1

East North Central

88

5

5

2

West North Central

91

6

–

–

South Atlantic

95

4

–

1

East South Central

95

3

–

–

West South Central

89

–

–

2

Mountain

94

5

–

–

Pacific

90

8

1

–

Footnotes:

1Less than 0.5 percent.

2The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details.

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.