Long-term disability plans: Method of benefit payment

Table 30. Long-term disability plans: Method of benefit payment, civilian
workers,1 National Compensation Survey, March 2011

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

Characteristics

Fixed
percent of
annual
earnings

Percent
varies by
annual
earnings

Flat dollar
amounts

Other

All workers

93

5

1

1

Worker characteristics

        

Management, professional, and related

94

5

1

[2]

    Management, business, and financial

93

6

1

[2]

    Professional and related

95

4

[2]

[2]

        Teachers

95

2

1

1

            Primary, secondary, and special education
             school teachers

96

–

–

2

        Registered nurses

97

3

–

–

Service

95

4

1

[2]

    Protective service

94

5

–

–

Sales and office

93

6

1

[2]

    Sales and related

91

9

–

–

    Office and administrative support

94

5

1

[2]

Natural resources, construction, and maintenance

91

5

3

1

    Construction, extraction, farming, fishing, and
     forestry

91

4

4

1

    Installation, maintenance, and repair

91

5

2

1

Production, transportation, and material moving

88

4

5

3

    Production

86

4

7

2

    Transportation and material moving

91

4

2

3

Full time

93

5

1

1

Union

85

6

6

3

Nonunion

95

5

[2]

[2]

Average wage within the following categories:3

        

    Lowest 25 percent

95

4

1

1

        Lowest 10 percent

93

–

–

–

    Second 25 percent

94

5

1

[2]

    Third 25 percent

93

5

1

1

    Highest 25 percent

92

5

2

1

        Highest 10 percent

93

6

1

[2]

Establishment characteristics

        

Goods-producing industries

90

4

5

1

Service-providing industries

94

5

1

1

    Education and health services

96

3

1

1

        Educational services

95

3

1

1

            Elementary and secondary schools

96

–

–

2

            Junior colleges, colleges, and universities

93

7

–

–

        Health care and social assistance

97

3

–

–

            Hospitals

97

3

–

–

    Public administration

93

6

–

–

1 to 99 workers

93

5

1

[2]

    1 to 49 workers

92

6

1

[2]

    50 to 99 workers

94

4

1

1

100 workers or more

93

5

1

1

    100 to 499 workers

94

5

1

[2]

    500 workers or more

93

5

2

1

Geographic areas

        

New England

95

4

1

[2]

Middle Atlantic

95

3

1

1

East North Central

88

7

3

1

West North Central

94

4

–

–

South Atlantic

96

3

–

–

East South Central

91

7

–

–

West South Central

92

6

1

1

Mountain

95

4

–

–

Pacific

93

5

1

1

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.

2Less than 0.5 percent.

3The categories are based on the average wage for each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2010." 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. For definitions of major plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.