Standard Errors
Medical care benefits, family coverage: Employer and employee premiums by employee contribution requirement

Table 13. Standard errors for medical care benefits, family coverage: Employer and employee
premiums by employee contribution requirement, civilian workers,1 National Compensation
Survey, March 2013

Characteristics

Average
flat monthly
employer
premium

Employee contribution not
required

Employee contribution required

Percent of
participating
employees

Average
flat monthly
employer
premium

Percent of
participating
employees

Average
flat monthly
employer
premium

Average
flat monthly
employee
contribution

All workers

$7.51

0.5

$15.67

0.5

$7.69

$5.43

Worker characteristics

            

Management, professional, and related

9.38

0.7

33.25

0.7

9.14

6.46

    Management, business, and financial

13.50

1.0

113.18

1.0

10.77

7.50

    Professional and related

11.19

0.7

27.69

0.7

11.37

8.31

        Teachers

18.99

1.5

37.13

1.5

18.66

14.02

            Primary, secondary, and special education
             school teachers

22.23

1.9

40.27

1.9

22.08

16.33

        Registered nurses

28.91

1.1

85.85

1.1

29.43

20.34

Service

25.25

1.2

36.65

1.2

24.18

22.27

    Protective service

27.97

1.3

56.98

1.3

30.35

–

Sales and office

9.80

0.6

31.97

0.6

10.05

6.26

    Sales and related

13.95

0.7

79.69

0.7

13.48

8.57

    Office and administrative support

11.16

0.7

35.04

0.7

11.83

8.25

Natural resources, construction, and maintenance

18.73

1.7

49.91

1.7

20.56

12.21

    Construction, extraction, farming, fishing, and
     forestry

30.75

2.8

67.46

2.8

36.55

18.57

    Installation, maintenance, and repair

25.96

1.9

73.47

1.9

26.04

15.81

Production, transportation, and material moving

12.90

1.1

18.91

1.1

14.73

9.51

    Production

18.83

0.9

28.26

0.9

20.92

10.34

    Transportation and material moving

18.74

1.5

25.48

1.5

20.99

15.38

Full time

7.71

0.5

15.70

0.5

7.99

5.70

Part time

15.46

1.1

58.52

1.1

14.27

11.08

Union

13.19

1.4

27.69

1.4

11.25

7.55

Nonunion

7.98

0.5

41.21

0.5

8.15

6.10

Average wage within the following categories:2

            

    Lowest 25 percent

13.17

0.8

59.45

0.8

13.31

22.88

        Lowest 10 percent

23.47

1.9

124.93

1.9

23.20

–

    Second 25 percent

14.62

0.7

31.81

0.7

15.61

8.70

    Third 25 percent

10.65

0.7

27.00

0.7

10.55

5.20

    Highest 25 percent

8.39

0.8

20.62

0.8

8.14

5.53

        Highest 10 percent

12.40

1.1

35.77

1.1

11.06

7.75

Establishment characteristics

            

Goods-producing industries

14.76

1.1

29.69

1.1

15.97

8.12

Service-providing industries

8.66

0.5

19.78

0.5

8.91

6.32

    Education and health services

15.24

0.7

35.88

0.7

15.16

10.37

        Educational services

14.94

0.7

29.53

0.7

15.03

10.76

            Elementary and secondary schools

18.42

1.0

30.81

1.0

18.13

11.07

            Junior colleges, colleges, and universities

28.40

0.6

59.54

0.6

29.17

21.05

        Healthcare and social assistance

21.98

1.2

53.03

1.2

22.26

15.06

            Hospitals

15.54

0.8

46.13

0.8

15.71

10.89

    Public administration

16.43

0.8

31.66

0.8

18.08

11.14

1 to 99 workers

13.27

0.9

31.28

0.9

13.24

8.86

    1 to 49 workers

18.98

1.2

41.30

1.2

18.18

11.25

    50 to 99 workers

19.28

1.2

59.93

1.2

18.21

14.11

100 workers or more

7.65

0.5

18.74

0.5

7.83

6.61

    100 to 499 workers

12.60

0.7

39.88

0.7

13.52

11.80

    500 workers or more

8.15

0.6

18.54

0.6

8.91

6.52

Geographic areas

            

New England

24.22

1.2

102.33

1.2

29.90

12.39

Middle Atlantic

16.71

1.3

17.79

1.3

21.21

7.60

East North Central

17.50

1.6

30.78

1.6

17.63

8.04

West North Central

41.26

1.3

46.89

1.3

40.64

26.00

South Atlantic

14.39

0.9

129.53

0.9

16.05

12.59

East South Central

31.71

1.1

89.11

1.1

30.64

27.79

West South Central

21.12

0.8

99.42

0.8

20.95

28.48

Mountain

19.80

2.2

57.49

2.2

22.47

10.10

Pacific

23.31

1.5

27.59

1.5

22.92

9.39

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: 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.