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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, civilian workers,1 March 2018
(All workers with basic life insurance coverage = 100 percent)
Characteristics Employee
contribution
required
Employee
contribution not
required
All workers
5
95
Worker characteristics
   
Management, professional, and related
5
95
    Management, business, and financial
4
96
    Professional and related
5
95
        Teachers
9
91
            Primary, secondary, and special education
             school teachers
9
91
        Registered nurses
3
97
Service
6
94
Sales and office
5
95
    Sales and related
7
93
    Office and administrative support
4
96
Natural resources, construction, and maintenance
5
95
    Construction, extraction, farming, fishing, and
     forestry
5
95
    Installation, maintenance, and repair
4
96
Production, transportation, and material moving
5
95
    Production
5
95
    Transportation and material moving
6
94
Full time
5
95
Part time
5
95
Union
5
95
Nonunion
5
95
Average wage within the following categories:2
   
    Lowest 25 percent
6
94
        Lowest 10 percent
7
93
    Second 25 percent
6
94
    Third 25 percent
4
96
    Highest 25 percent
5
95
        Highest 10 percent
5
95
Establishment characteristics
   
Service-providing industries
5
95
    Education and health services
5
95
        Educational services
9
91
            Elementary and secondary schools
9
91
            Junior colleges, colleges, and universities
10
90
        Health care and social assistance
2
98
            Hospitals
3
97
    Public administration
7
93
1 to 99 workers
6
94
    1 to 49 workers
6
94
    50 to 99 workers
5
95
100 workers or more
5
95
    100 to 499 workers
4
96
    500 workers or more
5
95
Geographic areas
   
Northeast
6
94
    New England
10
90
    Middle Atlantic
4
96
South
6
94
    South Atlantic
5
95
    East South Central
7
93
    West South Central
6
94
Midwest
4
96
    East North Central
5
95
    West North Central
4
96
West
4
96
    Mountain
4
96
    Pacific
4
96
1Includes workers in private industry and state and local 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 wage data for March 2018.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.