Short-term disability plans: Method of funding

Table 23. Short-term disability plans: Method of funding, civilian workers,1
National Compensation Survey, March 2011

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

Characteristics

Non-
commercially
insured2

Commercially
insured

Legally
required

Other

All workers

46

34

16

4

Worker characteristics

        

Management, professional, and related

50

33

13

4

    Management, business, and financial

51

37

11

2

    Professional and related

49

31

14

5

        Registered nurses

50

32

–

–

Service

34

29

32

5

    Protective service

48

30

17

6

Sales and office

49

32

17

2

    Sales and related

52

28

18

2

    Office and administrative support

47

34

16

3

Natural resources, construction, and maintenance

40

38

14

8

    Construction, extraction, farming, fishing, and
     forestry

27

41

18

14

    Installation, maintenance, and repair

49

36

11

3

Production, transportation, and material moving

45

39

12

3

    Production

47

40

10

3

    Transportation and material moving

43

37

15

4

Full time

47

36

13

4

Part time

36

15

45

3

Union

45

27

16

12

Nonunion

46

36

16

2

Average wage within the following categories:3

        

    Lowest 25 percent

33

32

34

2

        Lowest 10 percent

29

20

50

1

    Second 25 percent

46

36

15

3

    Third 25 percent

45

36

14

5

    Highest 25 percent

51

31

13

4

        Highest 10 percent

52

30

13

5

Establishment characteristics

        

Goods-producing industries

47

39

10

4

Service-providing industries

46

32

18

4

    Education and health services

41

33

18

8

        Educational services

46

26

12

16

            Elementary and secondary schools

34

29

11

26

            Junior colleges, colleges, and universities

65

20

13

2

        Health care and social assistance

38

36

22

4

            Hospitals

54

26

15

5

    Public administration

53

21

8

17

1 to 99 workers

33

37

28

2

    1 to 49 workers

32

35

31

2

    50 to 99 workers

36

40

22

3

100 workers or more

53

32

10

5

    100 to 499 workers

46

39

13

3

    500 workers or more

59

27

8

6

Geographic areas

        

Middle Atlantic

18

21

55

5

East North Central

62

33

–

5

West North Central

59

37

–

4

South Atlantic

54

42

–

3

East South Central

56

43

–

–

West South Central

59

39

–

2

Mountain

60

38

–

–

Pacific

51

37

10

3

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.

2Employer assumes all risks and expenses of providing the benefit.

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.