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Employee Benefits Survey
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Medical care benefits, family coverage: Employee participation by type of contribution

Table 14. Medical care benefits, family coverage: Employee participation by type of contribution, private industry
workers,  National Compensation Survey, March 2013

(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

71

[4]

14

[4]

[4]

14

[4]

Worker characteristics

                

Management, professional, and related

100

73

–

12

1

[4]

13

–

    Management, business, and financial

100

75

–

12

1

[4]

12

–

    Professional and related

100

72

–

12

[4]

–

14

[4]

Service

100

74

–

10

[4]

–

15

–

    Protective service

100

78

–

10

–

–

–

–

Sales and office

100

65

–

21

[4]

–

13

[4]

    Sales and related

100

56

[4]

30

–

–

13

–

    Office and administrative support

100

69

–

16

1

–

13

[4]

Natural resources, construction, and maintenance

100

75

–

7

–

–

16

–

    Construction, extraction, farming, fishing, and
     forestry

100

76

–

7

–

–

13

–

    Installation, maintenance, and repair

100

74

–

8

–

–

18

–

Production, transportation, and material moving

100

73

–

9

[4]

–

16

–

    Production

100

73

–

12

–

–

14

–

    Transportation and material moving

100

74

–

6

–

–

19

–

Full time

100

72

[4]

13

[4]

[4]

14

[4]

Part time

100

62

[4]

23

–

–

14

–

Union

100

73

1

8

–

–

15

–

Nonunion

100

71

–

14

[4]

–

14

[4]

Average wage within the following categories:5

                

    Lowest 25 percent

100

69

–

17

–

–

13

–

    Second 25 percent

100

67

–

18

[4]

–

14

[4]

    Third 25 percent

100

73

–

11

[4]

–

15

[4]

    Highest 25 percent

100

73

–

12

1

–

14

[4]

        Highest 10 percent

100

73

–

12

1

–

14

[4]

Establishment characteristics

                

Goods-producing industries

100

74

–

11

[4]

–

13

–

    Construction

100

78

–

7

–

–

12

–

    Manufacturing

100

73

–

12

[4]

–

14

–

Service-providing industries

100

70

[4]

14

[4]

[4]

14

[4]

    Trade, transportation, and utilities

100

63

[4]

20

–

–

17

–

        Wholesale trade

100

75

–

6

–

–

17

–

        Retail trade

100

52

[4]

34

–

–

13

–

        Transportation and warehousing

100

66

–

7

–

–

27

–

        Utilities

100

95

–

–

–

–

–

–

    Information

100

81

–

8

–

–

11

–

    Financial activities

100

72

–

19

1

–

7

–

        Finance and insurance

100

71

–

21

–

–

7

–

            Credit intermediation and related activities

100

75

–

18

–

–

5

–

            Insurance carriers and related activities

100

66

–

22

–

–

11

–

        Real estate and rental and leasing

100

80

–

–

–

–

–

–

    Professional and business services

100

73

–

8

–

–

18

–

        Professional and technical services

100

79

–

7

–

–

15

–

        Administrative and waste services

100

63

–

–

–

–

–

–

    Education and health services

100

72

–

13

1

–

12

[4]

        Educational services

100

79

–

9

1

–

9

–

            Junior colleges, colleges, and universities

100

75

–

15

2

–

7

–

        Healthcare and social assistance

100

71

–

13

[4]

–

13

[4]

    Leisure and hospitality

100

80

–

10

–

–

9

–

        Accommodation and food services

100

78

–

11

–

–

–

–

    Other services

100

64

–

7

–

–

23

–

1 to 99 workers

100

75

–

8

–

–

16

[4]

    1 to 49 workers

100

74

–

8

–

–

17

[4]

    50 to 99 workers

100

77

–

7

–

–

15

–

100 workers or more

100

68

1

17

1

[4]

13

[4]

    100 to 499 workers

100

70

1

17

[4]

–

12

–

    500 workers or more

100

66

–

18

1

–

13

1

Geographic areas

                

New England

100

81

–

8

–

–

–

–

Middle Atlantic

100

72

–

12

1

1

14

–

East North Central

100

70

–

15

[4]

–

14

–

West North Central

100

60

–

14

–

–

25

–

South Atlantic

100

74

–

13

–

–

13

1

East South Central

100

75

–

11

–

–

13

–

West South Central

100

70

–

18

–

–

12

–

Mountain

100

66

–

15

–

–

18

–

Pacific

100

71

–

13

–

–

12

1

1A composite rate is a set contribution covering more than one benefit area, for
example, healthcare and life insurance. Cost data for individual plans cannot be
determined.

4Less than 0.5.

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

5Surveyed 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."

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


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/glossary20122013.htm.