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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, State and local government workers, National
Compensation Survey, March 2011

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

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

11

89

Worker characteristics

   

Management, professional, and related

11

89

    Professional and related

11

89

        Teachers

10

90

            Primary, secondary, and special education
             school teachers

10

90

Service

11

89

    Protective service

10

90

Sales and office

10

90

    Office and administrative support

10

90

Natural resources, construction, and maintenance

8

92

Production, transportation, and material moving

7

93

Full time

11

89

Part time

9

91

Union

8

92

Nonunion

13

87

Average wage within the following categories:1

   

    Lowest 25 percent

12

88

    Second 25 percent

11

89

    Third 25 percent

9

91

    Highest 25 percent

10

90

        Highest 10 percent

12

88

Establishment characteristics

   

Service-providing industries

11

89

    Education and health services

11

89

        Educational services

10

90

            Elementary and secondary schools

9

91

        Health care and social assistance

13

87

            Hospitals

12

88

    Public administration

10

90

1 to 99 workers

9

91

    1 to 49 workers

10

90

100 workers or more

11

89

    100 to 499 workers

10

90

    500 workers or more

11

89

State government

18

82

Local government

8

92

Geographic areas

   

New England

28

72

Middle Atlantic

7

93

East North Central

15

85

West North Central

5

95

South Atlantic

12

88

West South Central

6

94

Mountain

5

95

Pacific

1

99

1The 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.