Medical care benefits, family coverage: Employee participation by type of contribution

Table 15. Medical care benefits, family coverage: Employee participation by type of contribution, private industry
workers,  National Compensation Survey, March 2011

(All workers with contributory coverage = 100 percent)

Characteristics

Family coverage

Total with
contributory
coverage

Flat dollar
amount

Composite
rate1

Varies2

Flexible
benefits3

Percent of
earnings

Exists, but
unknown

Other

All workers

100

77

[4]

10

[4]

[4]

11

[4]

Worker characteristics

               

Management, professional, and related

100

77

10

1

[4]

11

    Management, business, and financial

100

79

9

1

[4]

10

    Professional and related

100

76

11

1

[4]

12

Service

100

77

8

[4]

14

    Protective service

100

65

8

25

Sales and office

100

72

[4]

15

[4]

[4]

11

[4]

    Sales and related

100

67

20

12

    Office and administrative support

100

75

[4]

13

1

[4]

11

[4]

Natural resources, construction, and maintenance

100

81

5

13

1

    Construction, extraction, farming, fishing, and
     forestry

100

80

5

12

    Installation, maintenance, and repair

100

81

6

13

Production, transportation, and material moving

100

83

1

6

[4]

9

    Production

100

82

7

[4]

10

    Transportation and material moving

100

86

4

9

Full time

100

77

[4]

10

[4]

[4]

12

[4]

Part time

100

75

[4]

16

[4]

8

Union

100

80

1

5

13

1

Nonunion

100

77

[4]

11

1

[4]

11

[4]

Average wage within the following categories:5

               

    Lowest 25 percent

100

77

11

12

        Lowest 10 percent

100

85

5

10

    Second 25 percent

100

74

[4]

13

[4]

[4]

12

[4]

    Third 25 percent

100

80

[4]

8

1

[4]

10

[4]

    Highest 25 percent

100

77

9

1

12

[4]

        Highest 10 percent

100

77

9

1

12

[4]

Establishment characteristics

               

Goods-producing industries

100

81

6

[4]

11

    Construction

100

83

5

10

    Manufacturing

100

81

7

[4]

11

Service-providing industries

100

76

[4]

11

1

[4]

11

[4]

    Trade, transportation, and utilities

100

72

[4]

15

13

        Wholesale trade

100

83

8

7

        Retail trade

100

61

24

14

        Transportation and warehousing

100

79

4

15

        Utilities

100

82

    Information

100

83

6

12

    Financial activities

100

74

16

1

1

8

        Finance and insurance

100

72

18

1

1

7

            Credit intermediation and related activities

100

75

20

4

            Insurance carriers and related activities

100

70

15

1

12

        Real estate and rental and leasing

100

84

    Professional and business services

100

82

7

1

10

        Professional and technical services

100

83

7

10

        Administrative and waste services

100

82

8

    Education and health services

100

76

11

1

[4]

11

        Educational services

100

80

8

2

9

            Junior colleges, colleges, and universities

100

78

12

2

7

        Health care and social assistance

100

76

12

[4]

11

    Leisure and hospitality

100

73

6

19

        Accommodation and food services

100

76

7

15

    Other services

100

80

5

14

1 to 99 workers

100

80

7

12

[4]

    1 to 49 workers

100

79

7

13

[4]

    50 to 99 workers

100

82

7

10

100 workers or more

100

75

1

12

1

[4]

11

[4]

    100 to 499 workers

100

77

1

12

[4]

10

    500 workers or more

100

73

13

1

[4]

12

Geographic areas

               

New England

100

79

8

11

Middle Atlantic

100

80

8

1

1

10

East North Central

100

73

[4]

14

[4]

11

West North Central

100

77

11

11

South Atlantic

100

79

9

11

East South Central

100

82

9

9

West South Central

100

76

13

1

10

Mountain

100

72

11

17

Pacific

100

77

9

1

13

1A composite rate is a set contribution covering more than one benefit area, for
example, health care and life insurance. Cost data for individual plans cannot be
determined.

4Less than 0.5 percent.

2Based on worker attributes. For example, employee contributions may vary
based on earnings, length of service, or age.

5The 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.

3Amount varies by options selected under a "cafeteria plan" or
employer-sponsored reimbursement account.


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.