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Employee Benefits Survey
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Life insurance plans: Employee contribution requirement

Table 17. Life insurance plans: Employee contribution
requirement, State and local government workers, National
Compensation Survey, March 2015

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

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

10

90

Worker characteristics

   

Management, professional, and related

11

89

    Professional and related

11

89

        Teachers

10

90

            Primary, secondary, and special education
             school teachers

9

91

Service

11

89

    Protective service

10

90

Sales and office

9

91

    Office and administrative support

9

91

Natural resources, construction, and maintenance

7

93

Production, transportation, and material moving

8

92

Full time

10

90

Part time

10

90

Union

9

91

Nonunion

12

88

Average wage within the following categories:1

   

    Lowest 25 percent

11

89

    Second 25 percent

9

91

    Third 25 percent

10

90

    Highest 25 percent

10

90

        Highest 10 percent

12

88

Establishment characteristics

   

Service-providing industries

10

90

    Education and health services

10

90

        Educational services

10

90

            Elementary and secondary schools

9

91

        Health care and social assistance

12

88

    Public administration

10

90

1 to 99 workers

7

93

    1 to 49 workers

8

92

    50 to 99 workers

6

94

100 workers or more

11

89

    100 to 499 workers

12

88

    500 workers or more

10

90

State government

15

85

Local government

9

91

Geographic areas

   

Northeast

16

84

    New England

48

52

    Middle Atlantic

6

94

South

11

89

    South Atlantic

7

93

    West South Central

6

94

Midwest

12

88

    East North Central

15

85

    West North Central

6

94

West

2

98

    Mountain

2

98

    Pacific

2

98

1Surveyed 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 wage data for March 2015.


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/glossary20142015.htm.