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 2012

(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

76

[4]

12

[4]

[4]

11

[4]

Worker characteristics

               

Management, professional, and related

100

76

[4]

12

1

[4]

11

[4]

    Management, business, and financial

100

79

10

1

[4]

10

    Professional and related

100

74

14

[4]

11

[4]

Service

100

79

9

1

12

    Protective service

100

68

8

21

Sales and office

100

72

[4]

17

[4]

[4]

10

[4]

    Sales and related

100

63

23

13

    Office and administrative support

100

76

14

[4]

[4]

9

Natural resources, construction, and maintenance

100

81

6

12

    Construction, extraction, farming, fishing, and
     forestry

100

83

4

10

    Installation, maintenance, and repair

100

79

8

13

Production, transportation, and material moving

100

80

6

[4]

13

    Production

100

79

8

12

    Transportation and material moving

100

81

4

14

Full time

100

76

[4]

11

[4]

[4]

11

[4]

Part time

100

73

[4]

17

9

Union

100

79

6

[4]

13

Nonunion

100

76

[4]

12

[4]

[4]

11

[4]

Average wage within the following categories:5

               

    Lowest 25 percent

100

77

11

11

        Lowest 10 percent

100

86

6

8

    Second 25 percent

100

73

14

[4]

12

[4]

    Third 25 percent

100

77

[4]

11

[4]

[4]

11

[4]

    Highest 25 percent

100

77

[4]

10

[4]

[4]

11

[4]

        Highest 10 percent

100

76

10

1

[4]

13

Establishment characteristics

               

Goods-producing industries

100

80

7

[4]

12

    Construction

100

83

4

10

    Manufacturing

100

79

8

[4]

12

Service-providing industries

100

75

[4]

13

[4]

[4]

11

[4]

    Trade, transportation, and utilities

100

69

16

14

        Wholesale trade

100

82

7

10

        Retail trade

100

58

27

15

        Transportation and warehousing

100

74

6

19

        Utilities

100

92

    Information

100

84

9

7

    Financial activities

100

76

17

[4]

1

6

        Finance and insurance

100

73

19

[4]

1

6

            Credit intermediation and related activities

100

78

17

1

4

            Insurance carriers and related activities

100

69

20

9

        Real estate and rental and leasing

100

87

    Professional and business services

100

80

8

11

        Professional and technical services

100

81

7

12

        Administrative and waste services

100

82

5

    Education and health services

100

76

13

1

[4]

9

        Educational services

100

78

9

1

9

            Junior colleges, colleges, and universities

100

75

13

2

9

        Healthcare and social assistance

100

76

14

[4]

9

    Leisure and hospitality

100

77

9

13

        Accommodation and food services

100

78

10

    Other services

100

71

8

18

1 to 99 workers

100

78

9

[4]

12

[4]

    1 to 49 workers

100

77

9

13

[4]

    50 to 99 workers

100

81

7

11

100 workers or more

100

75

[4]

14

[4]

[4]

10

[4]

    100 to 499 workers

100

76

13

[4]

10

    500 workers or more

100

73

14

1

[4]

11

Geographic areas

               

New England

100

83

8

9

Middle Atlantic

100

77

10

1

11

East North Central

100

74

15

[4]

11

West North Central

100

73

12

14

South Atlantic

100

78

10

11

East South Central

100

76

10

14

West South Central

100

75

15

[4]

10

Mountain

100

72

13

15

Pacific

100

77

11

[4]

11

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.

5The 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 Technical Note for
more details.

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/glossary20112012.htm.