Long-term disability plans: Method of benefit payment

Table 30. Long-term disability plans: Method of benefit payment, private
industry workers,  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]

[1]

    Management, business, and financial

93

6

1

[1]

    Professional and related

95

5

–

–

Service

96

3

–

–

    Protective service

97

–

–

–

Sales and office

93

6

1

[1]

    Sales and related

90

9

–

–

    Office and administrative support

94

5

1

[1]

Natural resources, construction, and maintenance

90

5

3

1

    Construction, extraction, farming, fishing, and
     forestry

88

5

5

1

    Installation, maintenance, and repair

91

6

2

2

Production, transportation, and material moving

88

4

5

3

    Production

86

4

8

2

    Transportation and material moving

91

4

2

3

Full time

93

5

1

1

Union

77

9

9

4

Nonunion

95

5

[1]

[1]

Average wage within the following categories:2

        

    Lowest 25 percent

94

4

–

–

        Lowest 10 percent

92

–

–

–

    Second 25 percent

94

4

1

[1]

    Third 25 percent

93

5

1

[1]

    Highest 25 percent

92

6

2

1

        Highest 10 percent

92

7

–

–

Establishment characteristics

        

Goods-producing industries

89

4

5

1

    Construction

91

5

5

–

    Manufacturing

90

3

6

2

Service-providing industries

94

5

[1]

[1]

    Trade, transportation, and utilities

88

9

1

2

        Wholesale trade

94

4

–

–

        Transportation and warehousing

95

–

–

–

        Utilities

75

24

–

–

    Information

89

11

–

–

    Financial activities

92

7

–

–

        Finance and insurance

92

8

–

–

            Credit intermediation and related activities

89

10

–

–

            Insurance carriers and related activities

93

6

–

–

        Real estate and rental and leasing

99

–

–

–

    Professional and business services

96

3

–

–

        Professional and technical services

97

3

–

–

        Administrative and waste services

96

–

–

–

    Education and health services

97

3

–

–

        Educational services

95

5

–

–

            Junior colleges, colleges, and universities

94

6

[1]

–

        Health care and social assistance

97

3

–

–

    Leisure and hospitality

100

–

–

–

        Accommodation and food services

99

–

–

–

    Other services

95

–

–

–

1 to 99 workers

93

5

1

1

    1 to 49 workers

93

6

1

[1]

    50 to 99 workers

95

3

1

1

100 workers or more

93

5

2

1

    100 to 499 workers

93

5

1

[1]

    500 workers or more

92

5

2

1

Geographic areas

        

New England

95

4

–

–

Middle Atlantic

95

3

1

1

East North Central

89

6

4

1

West North Central

92

5

–

–

South Atlantic

95

4

–

–

East South Central

92

7

–

–

West South Central

92

7

1

1

Mountain

94

5

–

–

Pacific

93

6

1

1

1Less than 0.5 percent.


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.

2The 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&nb sp;details.