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Economic News Release
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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
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: November 02, 2020