Life insurance plans: Employee contribution requirement

Table 17. Life insurance plans: Employee contribution
requirement, civilian workers,1 National Compensation Survey,
March 2012

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

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

6

94

Worker characteristics

   

Management, professional, and related

5

95

    Management, business, and financial

5

95

    Professional and related

6

94

        Teachers

9

91

            Primary, secondary, and special education
             school teachers

9

91

        Registered nurses

2

98

Service

9

91

    Protective service

10

90

Sales and office

6

94

    Sales and related

9

91

    Office and administrative support

6

94

Natural resources, construction, and maintenance

8

92

    Construction, extraction, farming, fishing, and
     forestry

9

91

    Installation, maintenance, and repair

7

93

Production, transportation, and material moving

5

95

    Production

5

95

    Transportation and material moving

4

96

Full time

6

94

Part time

6

94

Union

6

94

Nonunion

6

94

Average wage within the following categories:2

   

    Lowest 25 percent

9

91

        Lowest 10 percent

6

94

    Second 25 percent

6

94

    Third 25 percent

6

94

    Highest 25 percent

5

95

        Highest 10 percent

6

94

Establishment characteristics

   

Goods-producing industries

5

95

Service-providing industries

6

94

    Education and health services

6

94

        Educational services

9

91

            Elementary and secondary schools

9

91

        Healthcare and social assistance

3

97

            Hospitals

2

98

    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

6

94

    100 to 499 workers

6

94

    500 workers or more

5

95

Geographic areas

   

New England

10

90

Middle Atlantic

4

96

East North Central

6

94

West North Central

4

96

South Atlantic

6

94

East South Central

13

87

West South Central

7

93

Mountain

7

93

Pacific

4

96

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.


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/glossary20112012.htm.

2The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." See
Te chnical Note for more details.