Life insurance plans: Employee contribution requirement

Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2013

(All workers with basic life insurance coverage = 100 percent)

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

6

94

Worker characteristics

   

Management, professional, and related

5

95

    Management, business, and financial

4

96

    Professional and related

5

95

        Teachers

9

91

            Primary, secondary, and special education
             school teachers

9

91

        Registered nurses

2

98

Service

8

92

    Protective service

10

90

Sales and office

6

94

    Sales and related

8

92

    Office and administrative support

6

94

Natural resources, construction, and maintenance

7

93

    Construction, extraction, farming, fishing, and
     forestry

6

94

    Installation, maintenance, and repair

8

92

Production, transportation, and material moving

4

96

    Production

4

96

    Transportation and material moving

4

96

Full time

6

94

Part time

5

95

Union

6

94

Nonunion

6

94

Average wage within the following categories:2

   

    Lowest 25 percent

8

92

        Lowest 10 percent

7

93

    Second 25 percent

6

94

    Third 25 percent

6

94

    Highest 25 percent

5

95

        Highest 10 percent

5

95

Establishment characteristics

   

Goods-producing industries

4

96

Service-providing industries

6

94

    Education and health services

6

94

        Educational services

9

91

            Elementary and secondary schools

9

91

        Healthcare and social assistance

3

97

            Hospitals

2

98

    Public administration

10

90

1 to 99 workers

7

93

    1 to 49 workers

7

93

    50 to 99 workers

6

94

100 workers or more

5

95

    100 to 499 workers

5

95

    500 workers or more

5

95

Geographic areas

   

New England

9

91

Middle Atlantic

4

96

East North Central

6

94

West North Central

4

96

South Atlantic

6

94

East South Central

13

87

West South Central

5

95

Mountain

7

93

Pacific

4

96

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.

2Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold.  The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."


NOTE: Because of rounding, sums of individual items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.