Short-term disability plans: method of funding

Table 23. Short-term disability plans: Method of funding, private industry
workers,  National Compensation Survey, March 2011

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

Characteristics

Non-
commercially
insured1

Commercially
insured

Legally
required

Other

All workers

45

35

17

2

Worker characteristics

        

Management, professional, and related

49

35

14

1

    Management, business, and financial

50

38

11

1

    Professional and related

49

34

15

1

Service

31

31

37

2

    Protective service

–

39

31

–

Sales and office

48

33

17

1

    Sales and related

52

28

19

1

    Office and administrative support

47

35

17

1

Natural resources, construction, and maintenance

39

39

15

7

    Construction, extraction, farming, fishing, and
     forestry

24

44

20

12

    Installation, maintenance, and repair

49

36

12

3

Production, transportation, and material moving

45

39

13

3

    Production

47

40

10

2

    Transportation and material moving

43

37

16

4

Full time

46

37

14

2

Part time

35

16

48

1

Union

46

29

17

8

Nonunion

45

36

17

1

Average wage within the following categories:2

        

    Lowest 25 percent

32

31

36

1

        Lowest 10 percent

27

–

54

–

    Second 25 percent

44

37

17

1

    Third 25 percent

44

38

15

3

    Highest 25 percent

51

33

13

2

        Highest 10 percent

52

32

13

2

Establishment characteristics

        

Goods-producing industries

47

40

10

4

    Construction

14

45

29

12

    Manufacturing

52

38

7

2

Service-providing industries

45

34

19

2

    Trade, transportation, and utilities

48

31

18

2

        Wholesale trade

45

38

–

–

        Transportation and warehousing

43

36

15

6

        Utilities

67

22

–

–

    Information

64

25

–

–

    Financial activities

63

27

–

–

        Finance and insurance

69

24

–

–

            Credit intermediation and related activities

72

23

–

–

            Insurance carriers and related activities

64

32

–

–

        Real estate and rental and leasing

17

48

–

–

    Professional and business services

40

42

–

–

        Professional and technical services

35

49

17

–

        Administrative and waste services

35

38

–

–

    Education and health services

38

37

22

3

        Educational services

50

30

–

–

            Junior colleges, colleges, and universities

61

28

10

[3]

        Health care and social assistance

35

38

23

3

    Leisure and hospitality

–

32

36

–

        Accommodation and food services

31

–

37

–

    Other services

–

40

47

–

1 to 99 workers

32

37

29

2

    1 to 49 workers

31

35

32

2

    50 to 99 workers

36

40

22

2

100 workers or more

53

34

10

2

    100 to 499 workers

45

40

13

2

    500 workers or more

60

29

8

2

Geographic areas

        

Middle Atlantic

18

22

58

2

East North Central

63

34

–

3

West North Central

60

36

–

4

South Atlantic

54

45

–

1

East South Central

56

43

–

–

West South Central

59

39

–

1

Mountain

63

35

–

–

Pacific

44

43

10

3

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

3Less than 0.5 percent.

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
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.