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

Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, private industry
workers,  National Compensation Survey, March 2009

(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

79

1

6

1

[4]

12

1

Worker characteristics

                

Management, professional, and related

100

80

–

8

1

[4]

9

1

    Management, business, and financial

100

79

–

9

1

[4]

9

–

    Professional and related

100

80

–

7

1

–

10

1

Service

100

77

–

6

1

–

14

–

    Protective service

100

68

–

3

–

–

26

–

Sales and office

100

75

[4]

7

1

–

16

[4]

    Sales and related

100

70

–

5

[4]

–

23

–

    Office and administrative support

100

78

[4]

8

1

–

12

[4]

Natural resources, construction, and maintenance

100

83

–

5

–

–

11

2

    Construction, extraction, farming, fishing, and
     forestry

100

79

–

5

–

–

13

2

    Installation, maintenance, and repair

100

85

–

4

–

–

9

–

Production, transportation, and material moving

100

85

1

4

[4]

–

9

1

    Production

100

85

–

5

[4]

–

9

–

    Transportation and material moving

100

86

–

3

[4]

–

9

–

Full time

100

80

1

6

1

[4]

12

1

Part time

100

78

–

5

1

–

16

–

Union

100

83

1

3

–

–

9

3

Nonunion

100

79

1

7

1

[4]

12

[4]

Wage percentiles:5

                

    Lowest 10 percent

100

77

–

5

–

–

16

–

    Lowest 25 percent

100

75

–

5

[4]

–

18

–

    Second 25 percent

100

78

[4]

6

[4]

–

14

[4]

    Third 25 percent

100

82

[4]

6

1

[4]

11

1

    Highest 25 percent

100

80

–

7

1

[4]

9

1

    Highest 10 percent

100

79

–

8

2

–

9

1

Establishment characteristics

                

Goods-producing industries

100

84

–

4

[4]

–

10

–

    Construction

100

81

–

6

–

–

12

–

    Manufacturing

100

84

–

4

[4]

–

9

–

Service-providing industries

100

78

[4]

7

1

[4]

13

1

    Trade, transportation, and utilities

100

76

1

5

[4]

–

18

1

        Wholesale trade

100

83

–

7

–

–

8

–

        Retail trade

100

67

–

4

–

–

27

–

        Transportation and warehousing

100

83

–

2

–

–

13

–

        Utilities

100

82

–

–

4

–

4

–

    Information

100

84

–

6

–

–

9

–

    Financial activities

100

76

–

11

2

[4]

11

–

        Finance and insurance

100

74

–

13

2

[4]

11

–

            Credit intermediation and related activities

100

76

–

15

–

–

7

–

            Insurance carriers and related activities

100

73

–

6

3

–

17

–

        Real estate and rental and leasing

100

86

–

–

–

–

–

–

    Professional and business services

100

83

–

5

2

–

9

–

        Professional and technical services

100

85

–

5

–

–

9

–

        Administrative and waste services

100

79

–

6

–

–

11

–

    Education and health services

100

79

–

9

1

–

10

1

        Educational services

100

80

–

8

2

–

9

–

            Junior colleges, colleges, and universities

100

80

–

11

2

–

6

–

        Health care and social assistance

100

79

–

9

1

–

10

1

    Leisure and hospitality

100

73

–

6

–

–

19

–

        Accommodation and food services

100

74

–

7

–

–

17

–

    Other services

100

84

–

–

–

–

9

–

1 to 99 workers

100

83

[4]

6

[4]

–

10

1

    1 to 49 workers

100

82

[4]

6

[4]

–

11

[4]

    50 to 99 workers

100

85

–

4

–

–

10

–

100 workers or more

100

77

1

7

1

[4]

13

1

    100 to 499 workers

100

80

1

4

1

–

13

[4]

    500 workers or more

100

73

–

10

2

–

13

1

Geographic areas

                

New England

100

85

–

5

1

–

9

–

Middle Atlantic

100

80

–

6

1

1

12

–

East North Central

100

77

1

7

2

–

13

[4]

West North Central

100

80

–

7

–

–

12

–

South Atlantic

100

82

–

5

[4]

–

11

–

East South Central

100

79

–

6

–

–

–

–

West South Central

100

75

–

10

–

–

13

–

Mountain

100

74

–

10

–

–

16

–

Pacific

100

82

–

4

1

–

10

2

Average monthly employer premium6

$714.83

$715.87

$725.68

$718.15

$762.30

$771.38

$703.54

$677.60

Footnotes:

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.

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

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

4Less than 0.5 percent.

5The 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.

6Average premium is for all workers.

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/glossary20082009.htm.