Long-term disability plans: maximum benefit amounts

Table 32. Long-term disability plans: Maximum benefit amounts, State and local government workers,
National Compensation Survey, March 2011

(All workers participating in fixed percent of annual earnings long-term disability plans = 100 percent)

Characteristics

With
maximum
benefit
amount

Maximum monthly benefit amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

65

$1,500

$3,900

$5,000

$6,000

$10,000

35

Worker characteristics

              

Management, professional, and related

67

–

–

–

–

–

33

    Professional and related

66

–

–

–

–

–

34

        Teachers

66

1,500

3,500

5,000

6,000

8,750

34

            Primary, secondary, and special education
             school teachers

63

–

–

–

–

–

37

Service

62

2,333

3,900

5,000

7,500

10,000

38

    Protective service

63

–

–

–

–

–

37

Sales and office

60

–

–

–

–

–

40

    Office and administrative support

60

–

–

–

–

–

40

Natural resources, construction, and maintenance

66

–

–

–

–

–

34

Production, transportation, and material moving

74

–

–

–

–

–

26

Full time

66

–

–

–

–

–

34

Part time

53

2,333

4,000

5,000

6,000

10,000

47

Union

62

2,100

3,333

5,000

6,000

9,100

38

Nonunion

68

–

–

–

–

–

32

Average wage within the following categories:2

              

    Lowest 25 percent

62

–

–

–

–

–

38

        Lowest 10 percent

60

–

–

–

–

–

40

    Second 25 percent

64

–

–

–

–

–

36

    Third 25 percent

65

–

–

–

–

–

35

    Highest 25 percent

68

2,000

3,900

5,000

6,667

10,000

32

        Highest 10 percent

70

2,500

4,000

5,000

7,000

10,000

30

Establishment characteristics

              

Service-providing industries

65

1,500

3,900

5,000

6,000

10,000

35

    Education and health services

65

–

–

–

–

–

35

        Educational services

65

1,500

3,750

5,000

6,000

9,100

35

            Elementary and secondary schools

64

–

–

–

–

–

36

        Health care and social assistance

63

–

–

–

–

–

37

    Public administration

62

–

–

–

–

–

38

1 to 99 workers

67

–

–

–

–

–

33

    1 to 49 workers

73

–

–

–

–

–

27

    50 to 99 workers

61

3,000

3,900

4,500

5,000

7,500

39

100 workers or more

65

1,500

3,900

5,000

6,500

10,000

35

    100 to 499 workers

60

–

–

–

–

–

40

    500 workers or more

67

1,500

3,900

5,000

6,667

10,000

33

State government

60

–

–

–

–

–

40

Local government

67

1,500

3,900

5,000

6,000

9,000

33

Geographic areas

              

Middle Atlantic

78

1,000

3,000

5,000

6,111

7,500

22

East North Central

45

2,500

4,400

5,000

7,000

10,000

55

West North Central

60

3,000

4,000

5,000

5,000

6,500

40

South Atlantic

80

–

–

–

–

–

20

Mountain

46

–

–

–

–

–

54

Pacific

62

3,000

5,000

5,000

7,000

10,000

38

1The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit&nb sp;shown. The remaining percentiles follow the same logic.

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.