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Employee Benefits Survey
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Health

Medical care benefits

Medical care benefits: Plan type
Table includes the percentage of workers enrolled in medical plans by fee-for-service or health maintenance organization plan type.

 

Medical care benefits: Selected plan characteristics
Table includes the percentage of workers in plans that include plan networks, allow nonemergency services outside a network, and require approval for specialty services from a primary care physician.

 

Medical care benefits: Eligibility requirements
Table includes the percentage of workers in medical plans with and without a service requirement; and, for plans with the requirement, the percentage by the length of service required and the median number of required months.

 

Medical care benefits: High deductible and nonhigh deductible health plans
Table includes the percentage of workers in high deductible and nonhigh deductible plans.

 

High deductible and nonhigh deductible health plans

High deductible health plans: Summary of selected tax-favored accounts
Table includes the percentage of workers enrolled in high deductible health plans by selected tax-favored account type.

 

High deductible health plans: Amount of annual individual deductible
Table includes the annual deductible amount by selected percentiles for workers enrolled in high deductible health plans.

 

Nonhigh deductible health plans: Summary of selected tax-favored accounts
Table includes the percentage of workers enrolled in nonhigh deductible health plans by selected tax-favored account type.

 

Nonhigh deductible health plans: Amount of annual individual deductible
Table includes the percentage of workers enrolled in nonhigh deductible plans that require an annual individual deductible, the annual deductible amount by selected percentiles, and the percentage of workers in nonhigh deductible plans with no deductible requirement.

 

Selected medical benefits by type of plan

Mental health care treatment benefits: Coverage for selected services
Table includes the percentage of workers enrolled in medical plans with inpatient and outpatient mental health care.

 

Medical care benefits: Coverage for selected services
Table includes the percentage of workers in medical plans with coverage for hospital room and board, inpatient surgery, outpatient surgery, and physician office visits.

 

Medical care benefits: Median copayment per visit for selected services by type of plan
Table includes median copayment per visit for hospital room and board, physician office visits, and outpatient surgery, by type of plan.

 

Hospital room and board benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for hospital room and board, by type of plan.

 

Hospital room and board benefits: Selected types of limits on coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with limits on coverage by requiring a copayment, coinsurance, or copayment and coinsurance.

 

Inpatient surgery benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for inpatient surgery, by type of plan.

 

Outpatient surgery benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for outpatient surgery, by type of plan.

 

Physician office visit benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for physician office visits, by type of plan.

 

Inpatient mental health care benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for inpatient mental health care benefits, by type of plan.

 

Outpatient mental health care benefits: Extent of coverage by type of plan
Table includes the percentage of workers enrolled in medical plans with full coverage, limited coverage, and no coverage for outpatient mental health care benefits, by type of plan.

 

Fee-for-service plans

Fee-for-service plans: Summary of selected features
Table includes the percentage of workers enrolled in fee-for-service plans with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

 

Fee-for-service plans: Coverage for selected services
Table includes the percentage of workers enrolled in fee-for-service plans with coverage for hospital room and board, inpatient surgery, outpatient surgery, and physician office visits.

 

Fee-for-service plans: Type and amount of annual individual deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans with: fixed, variable, other, and no annual deductible; and the median deductible amount for fixed deductible plans and variable deductible amounts for services received in network, out of network, and most generous coverage.

 

Fee-for-service plans: Type and amount of annual family deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans with fixed, variable, other, and no annual deductibles for families; and the median deductible amount for fixed deductible plans and variable deductible amounts for services received in-network, out-of-network, and most generous coverage.

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Fee-for-service plans: Amount of annual individual deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Amount of annual family deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual family deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Coinsurance percentage
Table includes the percentage of workers enrolled in fee-for-service medical plans that require fixed and variable coinsurance; and the median coinsurance percentage for fixed coinsurance plans and variable coinsurance percentages for services received in-network, out-of-network, and most generous coverage.

 

Fee-for-service plans: Amount of annual individual out-of-pocket maximum
Table includes the percentage of workers enrolled in fee-for-service medical plans that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Fee-for-service plans: Amount of annual family out-of-pocket maximum
Table includes the percentage of workers enrolled in fee-for-service medical plans that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Fee-for-service plans: Coverage for mental health care treatment
Table includes the percentage of workers enrolled in fee-for-service plans with coverage for inpatient and outpatient mental health care.

 

Health maintenance organizations

Health maintenance organizations: Summary of selected features
Table includes the percentage of workers enrolled in health maintenance organizations with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

 

Health maintenance organizations: Coverage for selected services
Table includes the percentage of workers enrolled in health maintenance organizations with coverage for hospital room and board, inpatient surgery, outpatient surgery, and physician office visits.

 

Health maintenance organizations: Amount of annual individual out-of-pocket maximum
Table includes the percentage of workers enrolled in health maintenance organizations that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Health maintenance organizations: Amount of annual family out-of-pocket maximum
Table includes the percentage of workers enrolled in health maintenance organizations that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Health maintenance organizations: Coverage for mental health care treatment
Table includes the percentage of workers enrolled in health maintenance organizations with coverage for inpatient and outpatient mental health care.

 

Outpatient prescription drug benefits

Outpatient prescription drug benefits: Type of coverage
Table includes the percentage of workers enrolled in outpatient prescription drug plans that provide coverage for brand-name drugs, brand-name drugs not on formulary, and mail order drugs. Formulary drugs are drugs approved by the health care provider. Drugs not approved by the health care provider are nonformulary drugs, for which enrollees receive less generous benefits, such as a higher prescription copayment.

 

Outpatient prescription drug benefits: Copayment provisions
Table includes the percentage of workers enrolled in outpatient prescription drug plans that require a copayment for generic drugs and brand-name drugs, and the median copayment amount per prescription.

 

Dental care benefits

Dental care benefits: Coverage for selected services
Table includes the percentage of workers enrolled in dental plans with coverage for preventive, basic, and major dental services; orthodontia for employee and dependents; and orthodontia for dependents only.

 

Dental care benefits: Extent of coverage for selected services
Table includes workers in traditional defined benefit plans with early retirement (receipt of benefits reduced to account for a longer period over which they are paid) by type of reduction method, including flat percent per year, reduction varies by age or service length, actuarial reduction, or other reduction.

 

Dental care benefits: Coverage for orthodontia
Table includes the percentage of workers enrolled in dental plans with full coverage, limited coverage, and no coverage; the median percentage of covered charges; and the median lifetime maximum amount of insurance coverage for employee and dependent or dependent only.

 

Dental care benefits: Median percent of covered charges paid by plan for selected services
Table includes the percentage of covered charges paid by the plan for preventive, basic, and major dental services.

 

Dental care benefits: Amount of annual individual deductible
Table includes the percentage of workers enrolled in individual dental plans that specify an annual deductible and the annual amount of the deductible by percentile.

 

Dental care benefits: Amount of annual family deductible
Table includes the percentage of workers enrolled in family dental plans that specify an annual deductible and the annual amount of the deductible by percentile.

 

Dental care benefits: Amount of annual plan maximum
Table includes the percentage of workers enrolled in dental plans that specify an annual maximum and the annual plan maximum amount by percentile.

 

Vision care benefits

Vision care benefits: Coverage for selected services
Table includes the percentage of workers enrolled in vision plans with coverage for eye exams, glasses, and contact lenses.

 

Vision care benefits: Extent of coverage for selected services
Table includes the percentage of workers enrolled in vision plans with full coverage, limited coverage, and no coverage, for eye exams, glasses, and contact lenses.

 

Vision care benefits: Median copayment for selected services
Table includes median copayment for workers enrolled in vision plans with coverage for eye exams, glasses, and contact lenses.

 

Retirement

Defined benefit plans

Defined benefit plans: Availability and eligibility requirements for open plans
Table includes percent of workers participating in plans open to new employees, with minimum age and/or service requirements; and plans not open to new employees.

 

Defined benefit plans: Plan sponsor
Table includes percent of workers participating in plans sponsored by a single employer or multiple employers.

 

Defined benefit plans: Primary formula
Table includes percent of workers participating in plans with traditional formulas, including percent of terminal earnings, dollar amount, percent of career earnings, and percent of employer contribution; and nontraditional formulas, including cash balance, pension equity, and other formulas.

 

Traditional defined benefit plans

Traditional defined benefit plans: Normal retirement age and service requirements
Table includes percent of workers participating in traditional plans with age and/or service requirements for normal retirement (receipt of benefits unreduced due to insufficient age or service).

 

Traditional defined benefit plans: Selected normal retirement age requirements
Table includes percent of workers participating in traditional plans allowing normal retirement (receipt of benefits unreduced due to insufficient age or service) before and after age 65 and with under and over 10 years of service requirements, by percentile.

 

Traditional defined benefit plans: Normal retirement service requirements
Table includes percent of workers participating in traditional plans with service requirements for normal retirement (receipt of benefits unreduced due to insufficient age or service), by percentile.

 

Traditional defined benefit plans: Availability of early retirement with selected requirements
Table includes percent of workers in traditional plans allowing early retirement (receipt of benefits reduced to account for a longer period over which they are paid) with less and more than 10 years of service and at age 55, by percentile.

 

Traditional defined benefit plans: Early retirement service requirements
Table includes percent of workers in traditional defined benefit plans imposing service requirements for early retirement (receipt of benefits reduced to account for a longer period over which they are paid), by percentile.

 

Defined contribution plans

Defined contribution plans: Type of plan
Table includes percent of workers participating in savings and thrift, deferred profit sharing, employee stock ownership, money purchase pension, simplified employee pension (SEP), savings incentive match plan (SIMPLE), and other types of plans.

 

Deferred profit-sharing plans

Deferred profit-sharing plans: Employee contributions allowed and annuity availability
Table includes percent of workers in deferred profit-sharing plans that do and do not allow employee contributions.

 

Money purchase pension plans

Money purchase pension plans: Employee contributions allowed
Table includes percent of workers in money purchase plans that do and do not allow employee contributions.

 

Savings and thrift plans

Savings and thrift plans: Summary of provisions
Table includes percent of workers participating in plans with pre-tax contribution, Roth 401(k) (post-tax) contribution, and employee choice of investments for employee and employer funds.

 

Savings and thrift plans: Maximum employee contributions
Table includes percent of workers participating in plans with maximum employee contribution based on a percent of earnings (up to the Internal Revenue Code limit) and the maximum percent of earnings amount by selected percentiles; a contribution of any amount up to the Internal Revenue Code limit; and plans with other maximum criteria.

 

Savings and thrift plans: Method of employer matching contributions
Table includes percent of workers with a specified matching percent and the specified matching percent by selected percentiles, and other matching methods specified by the employer.

 

Savings and thrift plans: Maximum employee contribution matched by employer
Table includes percent of workers participating in plans with a specified matching percent and the maximum employee contribution matched by employer by selected percentiles; and plans with other matching criteria.

 

Savings and thrift plans: Automatic enrollment
Table includes percent of workers participating in plans with automatic enrollment available; with automatic enrollment as a percent of earnings and the default contribution as a percent of earnings by selected percentiles; and with no automatic enrollment available.

 

Savings and thrift plans: Maximum potential employer contribution
Table includes the maximum potential employer contribution by selected percentiles.

 

Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by employer
Table includes percent of workers participating in plans with automatic enrollment available; with default enrollment amount as a percent of the employee maximum amount matched by employer by selected percentiles; and with no automatic enrollment available.

 

Savings and thrift plans: Selected automatic escalation features
Table details incidence of automatic escalation and the types of automatic features offered, as well as the median number of years and percent of earnings used as the basis for escalation provisions.

 

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Last Modified Date: April 21, 2016