Percent of all workers with STD / LTD insurance coverage

Jennifer Christian MD

Bottom line:  In 2018,  substantially less than half of private industry workers had access to short-term disability insurance plans -- and only a third to long-term plans.   A quarter of state and local government workers had access to short-term coverage and more than a third to long-term benefits.  See chart below – and a link to the BLS report from which it came further down.



Here is a report from the Bureau of Labor Statistics with a bit more detail:


Bureau of Labor Statistics, U.S. Department of Labor, The Economics Daily, Employee access to disability insurance plans on the Internet at (visited October 26, 2018).



Jennifer Christian, MD, MPH

Chair, ACOEM Work Fitness & Disability Section (ACOEM members only)
Moderator, Work Fitness & Disability Roundtable (multi-stakeholder/multi-disciplinary)

Moderator, RETAINers List-Serv and Website on


Office:  508-358-5218 (preferred)

Mobile:  617-803-9835

Email: jennifer.christian@...