Table 4. Life insurance benefits: Access, participation, and take-up rates

Table 4. Medical plans: Share of premiums paid by employer and employee for family coverage, March 2017 [In percent]
Characteristics	Civilian(1)		Private industry		State and local government
Characteristics	Employer share of premium	Employee share of premium	Employer share of premium	Employee share of premium	Employer share of premium	Employee share of premium
All workers participating in family coverage medical plans	68.00	32.00	67.00	33.00	71.00	29.00

Worker characteristics
Management, business, and financial occupations	69.00	31.00	68.00	32.00	70.00	30.00
Management, professional and related occupations	70.00	30.00	70.00	30.00	-	-
Professional and related occupations	68.00	32.00	68.00	32.00	69.00	31.00
Teachers	65.00	35.00	-	-	66.00	34.00
Primary, secondary, and special education school teachers	64.00	36.00	-	-	65.00	35.00
Registered nurses	70.00	30.00	-	-	-	-
Service occupations	65.00	35.00	62.00	38.00	73.00	27.00
Protective service occupations	77.00	23.00	73.00	27.00	78.00	22.00
Sales and office occupations	66.00	34.00	65.00	35.00	72.00	28.00
Sales and related occupations	63.00	37.00	64.00	36.00	-	-
Office and administrative support occupations	67.00	33.00	65.00	35.00	72.00	28.00
Natural resources, construction, and maintenance occupations	68.00	32.00	68.00	32.00	74.00	26.00
Construction, and extraction, farming, fishing, and forestry occupations	68.00	32.00	68.00	32.00	-	-
Installation, maintenance, and repair occupations	68.00	32.00	68.00	32.00	-	-
Production, transportation, and material moving occupations	72.00	28.00	72.00	28.00	70.00	30.00
Production occupations	73.00	27.00	73.00	27.00	-	-
Transportation and material moving occupations	71.00	29.00	71.00	29.00	-	-

Full time	68.00	32.00	68.00	32.00	71.00	29.00
Part time	63.00	37.00	62.00	38.00	70.00	30.00

Union	80.00	20.00	83.00	17.00	76.00	24.00
Nonunion	65.00	35.00	65.00	35.00	66.00	34.00

Average wage within the following categories:(2)
Lowest 25 percent	60.00	40.00	59.00	41.00	66.00	34.00
Lowest 10 percent	57.00	43.00	59.00	41.00	60.00	40.00
Second 25 percent	67.00	33.00	66.00	34.00	74.00	26.00
Third 25 percent	70.00	30.00	68.00	32.00	69.00	31.00
Highest 25 percent	71.00	29.00	71.00	29.00	74.00	26.00
Highest 10 percent	73.00	27.00	72.00	28.00	75.00	25.00

Establishment characteristics
Goods-producing industries	72.00	28.00	72.00	28.00	-	-
Service-providing industries	67.00	33.00	66.00	34.00	71.00	29.00
Education and health services	65.00	35.00	64.00	36.00	67.00	33.00
Educational services	66.00	34.00	66.00	34.00	66.00	34.00
Elementary and secondary schools	64.00	36.00	-	-	64.00	36.00
Junior colleges, colleges, universities, and professional schools	70.00	30.00	69.00	31.00	71.00	29.00
Health care and social assistance	65.00	35.00	63.00	37.00	74.00	26.00
Hospitals	73.00	27.00	-	-	75.00	25.00
Public administration	77.00	23.00	-	-	77.00	23.00

1 to 99 workers	64.00	36.00	63.00	37.00	73.00	27.00
1 to 49 workers	65.00	35.00	64.00	36.00	72.00	28.00
50 to 99 workers	64.00	36.00	62.00	38.00	73.00	27.00
100 workers or more	70.00	30.00	70.00	30.00	70.00	30.00
100 to 499 workers	67.00	33.00	66.00	34.00	71.00	29.00
500 workers or more	74.00	26.00	76.00	24.00	70.00	30.00

Geographic areas
Northeast	74.00	26.00	72.00	28.00	82.00	18.00
New England	73.00	27.00	72.00	28.00	77.00	23.00
Middle Atlantic	74.00	26.00	72.00	28.00	84.00	16.00
South	64.00	36.00	64.00	36.00	63.00	37.00
South Atlantic	66.00	34.00	66.00	34.00	65.00	35.00
East South Central	66.00	34.00	66.00	34.00	63.00	37.00
West South Central	61.00	39.00	61.00	39.00	59.00	41.00
Midwest	69.00	31.00	69.00	31.00	73.00	27.00
East North Central	70.00	30.00	70.00	30.00	74.00	26.00
West North Central	68.00	32.00	67.00	33.00	72.00	28.00
West	69.00	31.00	67.00	33.00	75.00	25.00
Mountain	66.00	34.00	65.00	35.00	71.00	29.00
Pacific	70.00	30.00	68.00	32.00	77.00	23.00
Footnotes (1) Includes 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. (2) Surveyed 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 ECEC data for March 2018.
NOTE: 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/glossary20162017.htm. SOURCE: U.S. Bureau of Labor Statistics, National Compensation Survey.

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Last Modified Date: October 03, 2023