A study of 100,000 employer customers by UnumProvident created a snapshot of employee benefits and some insights into its potential future.

Key findings of the study included these:

–Women outpace men as purchasers of supplemental products–most significantly as buyers of 69% of disability policies and 64% of critical illness policies.

–The prime age group for buying supplemental products is aged 30 to 49.

–Supplemental insurance products are typically sold in integrated packages. Stand-alone sales only occur about 20 percent of the time.

–31% of UnumProvident’s critical illness policies are sold in the health services industry.

–80% of manufacturers report having trouble finding qualified applicants with the educational background and skills they need. Manufacturers provide among the highest levels of benefits for employees.

–In the past three years, 34% of group long term disability customers opted for 100% employee-paid plans.

–In the past three years, 55% of manufactuers chose monthly benefit levels in the $5,000 to $7,499 range for group LTD insurance. About 20% chose levels of more than $10,000 per month for this product.

–In recent years, employers have chosen higher benefit amounts for group short term disability, with more than 55% of cases selecting more than $500 in weekly benefits.