Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2009

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

Characteristics

Employee
contribution not
required

Employee
contribution
required

All workers

89

11

Worker characteristics

Management, professional, and related

89

11

    Professional and related

89

11

        Teachers

90

10

            Primary, secondary, and special education
             school teachers

90

10

Service

88

12

    Protective service

89

11

Sales and office

90

10

    Office and administrative support

90

10

Natural resources, construction, and maintenance

92

8

Production, transportation, and material moving

93

7

Full time

89

11

Part time

92

8

Union

92

8

Nonunion

87

13

Wage percentiles:1

    Lowest 25 percent

88

12

    Second 25 percent

89

11

    Third 25 percent

90

10

    Highest 25 percent

90

10

    Highest 10 percent

87

13

Establishment characteristics

Service-providing industries

89

11

    Education and health services

89

11

        Educational services

90

10

            Elementary and secondary schools

91

9

        Health care and social assistance

87

13

            Hospitals

89

11

    Public administration

89

11

1 to 99 workers

91

9

    1 to 49 workers

91

9

    50 to 99 workers

91

9

100 workers or more

89

11

    100 to 499 workers

89

11

    500 workers or more

89

11

State government

83

17

Local government

92

8

Geographic areas

New England

70

30

Middle Atlantic

93

7

East North Central

86

14

West North Central

95

5

South Atlantic

88

12

West South Central

94

6

Mountain

94

6

Pacific

99

1

1The percentile groupings are based on the average wage for each occupation surveyed, which
may include workers both above and below the threshold. The percentile values are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.

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/glossary20082009.htm.