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Employee Benefits Survey
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Life insurance plans: Employee contribution requirement

Table 18. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2011

(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

6

94

    Management, business, and financial

5

95

    Professional and related

6

94

        Teachers

9

91

            Primary, secondary, and special education
             school teachers

9

91

        Registered nurses

3

97

Service

9

91

    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

9

91

    Construction, extraction, farming, fishing, and
     forestry

10

90

    Installation, maintenance, and repair

7

93

Production, transportation, and material moving

5

95

    Production

5

95

    Transportation and material moving

5

95

Full time

6

94

Part time

4

96

Union

6

94

Nonunion

6

94

Average wage within the following categories:2

   

    Lowest 25 percent

10

90

        Lowest 10 percent

11

89

    Second 25 percent

6

94

    Third 25 percent

6

94

    Highest 25 percent

5

95

        Highest 10 percent

6

94

Establishment characteristics

   

Goods-producing industries

5

95

Service-providing industries

7

93

    Education and health services

6

94

        Educational services

9

91

            Elementary and secondary schools

9

91

        Health care and social assistance

3

97

            Hospitals

3

97

    Public administration

10

90

1 to 99 workers

7

93

    1 to 49 workers

7

93

    50 to 99 workers

7

93

100 workers or more

6

94

    100 to 499 workers

6

94

    500 workers or more

6

94

Geographic areas

   

New England

8

92

Middle Atlantic

4

96

East North Central

7

93

West North Central

5

95

South Atlantic

7

93

East South Central

14

86

West South Central

6

94

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.

2The 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.


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/glossary20102011.htm.