Annual Bulletin on Benefit Plan Details
National Compensation Survey: Health and Retirement Plan
Provisions in Private Industry in the United States, 2013
U.S. Department of Labor
Thomas E. Perez, Secretary
U.S. Bureau of Labor Statistics
Erica L. Groshen, Commissioner
August 2014
Bulletin 2778
Contents
Overview
Basic Provisions – Retirement Tables
Basic Provisions – Health Tables
Technical note
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Overview
The National Compensation Survey (NCS) provides comprehensive measures of compensation
cost trends, the incidence of benefits, and detailed benefit provisions. This bulletin presents
estimates of the detailed provisions of employer-provided health and retirement plans in private
industry in 2013. Under the NCS program, information on the incidence and provision of
benefits is published in stages. On July 25, 2014 the NCS released selected data for civilian, state
and local government, and private industry workers, on the incidence (access to and participation
in) of major employee benefits (retirement, medical care, life insurance, and paid leave) as well
as on employer and employee shares of contributions to medical care premiums and their
average amounts. More data for civilian, private industry, and state and local government
workers for March 2014 will be issued in late September 2014.
For more information on these data and recent and historical NCS benefits data, call the
information line at (202) 691–6199, use the contact EBS link to send email, or visit the benefits
home page at http://www.bls.gov/ebs/. Information is made available to sensory-impaired
individuals upon request (Voice phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–
8339). Data requests also may be sent to U.S. Bureau of Labor Statistics, Division of
Compensation Data Analysis and Planning, 2 Massachusetts Avenue NE, Room 4175,
Washington, DC 20212. Material in this publication is in the public domain and, with
appropriate credit, may be reproduced without permission.
Table 1. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2013
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
Median age
service
age or
age or
requirement
requirement
requirement
service
service
not
(in years)
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ...............................................................
100
68
41
21
12
26
(1)
32
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
65
58
70
84
58
47
61
82
42
40
44
50
41
21
47
51
21
21
21
21
21
21
21
21
12
12
12
–
12
–
12
12
22
–
25
35
16
–
14
31
1
–
1
–
(1)
–
(1)
–
35
42
30
16
42
53
39
18
–
–
–
–
–
–
–
–
100
100
100
100
100
95
73
68
54
79
57
46
29
12
44
–
21
21
–
21
12
12
12
12
12
37
27
38
41
36
–
–
(1)
1
–
–
27
32
46
21
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
67
75
42
32
21
21
12
12
24
43
(1)
–
33
25
–
–
Union .......................................................................
Nonunion .................................................................
100
100
85
57
41
41
21
21
12
12
43
16
–
1
15
43
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
60
69
66
69
64
27
45
40
42
33
21
21
21
21
21
12
12
12
12
12
–
24
26
27
30
–
(1)
–
1
1
40
31
34
31
36
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
58
97
44
23
62
–
–
–
–
12
12
–
33
35
26
2
–
–
42
–
56
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
71
75
68
57
90
84
73
47
47
32
71
69
78
87
75
76
46
37
–
20
53
38
68
38
39
31
53
69
39
–
53
42
21
21
–
–
–
–
–
21
21
21
21
–
21
–
–
–
12
12
–
12
12
12
12
12
12
12
12
12
12
–
12
12
24
38
–
–
37
46
–
8
8
–
17
–
38
65
–
–
(1)
–
–
–
–
–
–
1
( )
1
( )
–
1
–
–
–
–
–
29
25
–
43
10
–
–
53
53
68
29
31
22
–
25
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2013—continued
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
Median age
service
age or
age or
requirement
requirement
requirement
service
service
not
(in years)
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
100
100
100
100
100
100
75
78
72
64
57
70
41
47
32
41
29
48
21
21
21
21
21
21
12
12
12
12
12
12
35
31
40
23
27
20
–
–
–
1
(1)
1
25
22
28
36
43
30
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
81
74
72
61
53
69
58
62
64
59
36
53
–
–
45
–
–
39
21
21
21
–
–
21
–
–
21
12
12
12
–
–
12
–
–
12
–
39
19
–
31
22
–
–
–
–
(1)
–
–
–
2
–
–
–
19
26
28
39
47
31
42
–
36
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 1. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2013
Open to new employees
Characteristics
Plans open to
new
employees
With
Age and
Median
No minimum
Median age
minimum
service
service
age or
requirement
age or
requirement
requirement
service
(in years)
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ...............................................................
2.6
3.1
0.0
0.0
2.8
0.4
2.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.4
5.3
5.5
4.2
5.3
8.7
4.9
3.4
5.0
5.9
7.0
7.9
5.6
5.6
6.0
5.3
0.0
0.0
0.0
0.0
0.0
2.4
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.0
0.0
5.2
–
7.4
8.7
2.4
–
2.4
4.3
0.6
–
0.8
–
0.3
–
0.3
–
4.4
5.3
5.5
4.2
5.3
8.7
4.9
3.4
–
–
–
–
–
–
–
–
1.9
5.3
4.7
7.1
4.6
7.8
7.3
4.6
3.0
6.5
–
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
7.5
5.7
5.0
6.9
6.0
–
–
0.4
1.0
–
–
5.3
4.7
7.1
4.6
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.7
4.4
3.2
5.9
0.0
0.0
0.0
0.0
2.8
6.3
0.4
–
2.7
4.4
–
–
Union .......................................................................
Nonunion .................................................................
2.7
3.5
4.5
3.8
0.0
0.0
0.0
0.0
4.8
2.6
–
0.6
2.7
3.5
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.3
4.8
3.2
3.3
6.0
7.6
5.5
3.7
4.1
6.1
0.0
0.0
0.0
0.0
0.0
1.5
0.0
0.0
0.0
0.0
–
5.1
3.0
4.8
8.6
–
0.2
–
0.8
1.2
8.3
4.8
3.2
3.3
6.0
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.8
2.5
5.9
4.4
6.3
–
–
–
–
0.0
0.0
–
5.5
6.7
6.0
1.7
–
–
4.8
–
5.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.0
3.7
13.7
5.9
1.5
7.2
9.4
5.2
4.7
4.0
5.5
8.8
6.4
6.8
6.5
7.3
3.7
4.1
–
3.4
7.1
8.3
11.4
6.3
5.5
3.9
8.6
8.8
9.7
–
9.5
10.9
0.0
0.0
–
–
–
–
–
0.0
0.0
0.0
0.0
–
0.0
–
–
–
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
3.3
4.3
–
–
7.3
10.8
–
1.6
1.4
–
4.4
–
9.3
13.7
–
–
0.1
–
–
–
–
–
–
0.3
0.3
–
0.8
–
–
–
–
–
3.0
3.7
–
5.9
1.5
–
–
5.2
4.7
4.0
5.5
8.8
6.4
–
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2013—continued
Open to new employees
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Plans open to
new
employees
With
Age and
Median
No minimum
Median age
minimum
service
service
age or
requirement
age or
requirement
requirement
service
(in years)
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
3.6
3.9
6.8
3.1
4.2
3.6
5.6
7.2
8.2
3.5
3.0
4.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.6
7.2
11.3
2.5
4.2
3.4
–
–
–
0.5
0.1
0.9
3.6
3.9
6.8
3.1
4.2
3.6
–
–
–
–
–
–
4.4
5.2
4.3
2.9
6.7
7.4
11.8
11.8
9.1
9.6
5.4
5.8
–
–
7.7
–
–
9.2
0.0
0.0
0.0
–
–
0.0
–
–
0.0
0.0
0.0
0.0
–
–
0.0
–
–
0.0
–
8.1
2.2
–
7.7
4.1
–
–
–
–
0.2
–
–
–
2.3
–
–
–
4.4
5.2
4.3
2.9
6.7
7.4
11.8
–
9.1
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 2. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2013
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Single
employer
Total
Multiemployer1
Other
Worker characteristic
All workers ...............................................................
100
75
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
86
97
79
–
81
64
86
52
–
–
–
50
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
82
74
91
61
89
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
78
48
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
–
94
45
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
52
74
78
78
79
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
80
–
97
20
96
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
74
62
68
48
61
98
100
98
99
100
98
95
69
–
95
73
–
–
–
52
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
59
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Single
employer
Total
Multiemployer1
Other
100
100
100
100
100
100
67
71
63
79
71
84
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
80
59
88
74
83
80
87
81
64
–
–
–
–
–
14
13
–
–
–
–
–
–
–
5
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Plans established by a labor organization and provided
to employees of two or more unrelated companies in
accordance with a collective bargaining agreement.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not
equal totals. Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 2. Standard errors for defined benefit plans: Plan sponsor,
private industry workers, National Compensation Survey, 2013
Characteristics
Single
employer
Multiemployer1
Other
Worker characteristic
All workers ...............................................................
3.3
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.8
1.0
8.9
–
2.5
6.4
2.7
4.9
–
–
–
8.4
–
–
–
–
–
–
–
–
–
–
–
–
–
3.8
4.9
3.1
8.0
3.0
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.4
4.8
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
1.4
3.4
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.9
5.6
3.3
4.5
8.8
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.5
–
0.9
3.5
2.5
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
4.1
4.9
14.5
5.8
9.6
1.3
0.0
0.6
0.9
0.0
1.5
3.6
12.0
–
2.8
14.0
–
–
–
5.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
15.5
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for defined benefit plans: Plan sponsor,
private industry workers, National Compensation Survey,
2013—continued
Single
employer
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Multiemployer1
Other
6.2
5.7
11.2
3.0
4.3
3.3
–
–
–
–
–
–
–
–
–
–
–
–
9.0
10.7
2.2
16.7
7.1
2.7
2.8
14.0
7.9
–
–
–
–
–
3.2
2.8
–
–
–
–
–
–
–
0.8
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Plans established by a labor organization and
provided to employees of two or more unrelated
companies in accordance with a collective bargaining
agreement.
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 data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 3. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2013
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ...............................................................
100
68
37
–
21
–
32
30
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
60
52
65
79
58
72
54
88
49
43
52
37
28
–
30
–
–
–
–
–
7
–
–
–
–
–
–
–
22
–
18
43
–
–
–
–
–
–
–
23
40
48
35
21
42
28
46
12
38
47
32
19
42
28
46
12
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
–
81
76
–
–
31
35
36
35
–
–
–
–
–
43
44
41
39
43
49
–
–
–
–
–
–
19
24
–
–
–
17
22
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
67
82
39
22
–
–
18
54
–
–
33
18
31
17
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
91
55
26
44
–
–
51
3
–
–
9
45
8
43
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
79
64
69
68
70
–
27
41
42
53
–
–
–
–
–
47
27
20
16
6
–
–
–
–
–
21
36
31
32
30
–
33
30
30
28
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
79
–
73
38
–
42
–
–
–
31
46
30
–
47
–
21
–
27
20
–
25
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
65
79
–
–
–
55
78
39
36
19
54
50
–
–
–
–
37
33
–
–
44
47
–
33
35
19
54
36
56
77
70
53
–
–
–
–
–
–
–
–
–
–
–
–
–
–
29
–
18
41
–
62
–
–
38
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
21
–
–
–
45
22
61
64
81
46
50
–
–
–
–
33
21
–
–
–
45
22
60
63
81
44
50
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 3. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2013—continued
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
100
100
100
100
100
100
71
67
76
67
75
62
37
29
48
37
36
38
–
–
–
–
–
–
22
25
19
21
29
15
–
–
–
–
–
–
29
33
24
33
25
38
29
33
23
31
25
34
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
51
81
71
–
59
57
62
62
74
25
50
37
39
38
25
31
–
40
–
–
–
–
–
–
–
–
–
–
–
29
52
–
–
25
–
24
–
–
–
–
–
–
–
–
–
49
19
29
–
41
43
38
38
26
49
18
28
–
39
39
36
38
25
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
Benefits are based on a dollar amount per month for each year of service recognized by the
plan.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 3. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2013
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ...............................................................
2.6
3.4
–
2.4
–
2.6
2.4
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.6
5.4
8.0
4.6
3.2
6.1
4.5
3.0
5.5
5.2
7.7
9.3
2.8
–
3.5
–
–
–
–
–
2.1
–
–
–
–
–
–
–
3.6
–
3.5
6.7
–
–
–
–
–
–
–
5.2
5.6
5.4
8.0
4.6
3.2
6.1
4.5
3.0
5.0
5.4
6.9
4.1
3.2
6.1
4.6
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
4.2
–
–
5.8
5.3
7.5
6.5
–
–
–
–
–
9.6
7.7
5.1
7.0
6.9
9.9
–
–
–
–
–
–
3.4
4.2
–
–
–
3.2
4.0
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.7
4.8
3.4
5.5
–
–
2.2
7.4
–
–
2.7
4.8
2.6
4.5
–
–
–
–
Union .......................................................................
Nonunion .................................................................
1.7
3.9
6.5
3.3
–
–
5.7
0.9
–
–
1.7
3.9
1.6
3.5
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6.1
5.1
3.5
3.5
5.6
–
5.2
4.4
4.3
7.0
–
–
–
–
–
8.6
5.2
3.8
2.5
1.8
–
–
–
–
–
6.1
5.1
3.5
3.5
5.6
–
4.7
3.4
3.4
5.4
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.1
–
5.3
7.4
–
7.5
–
–
–
5.8
9.7
6.4
–
9.2
–
4.1
–
5.3
4.0
–
5.3
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.2
3.9
–
–
–
7.1
6.7
4.1
3.9
3.4
5.3
11.6
–
–
–
–
3.8
4.6
–
–
8.8
7.0
–
3.9
3.9
3.4
4.8
8.1
9.5
11.6
7.2
11.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7.1
–
2.5
4.9
–
5.3
–
–
8.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
3.9
–
–
–
7.1
6.7
4.1
3.9
3.4
5.3
11.6
–
–
–
–
2.9
3.9
–
–
–
7.1
6.7
4.2
4.0
3.4
5.0
11.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2013—continued
Traditional plan formula
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
4.9
7.1
6.0
2.6
3.6
4.0
6.2
6.6
10.4
3.5
4.9
4.3
–
–
–
–
–
–
4.0
5.3
5.4
2.8
4.2
3.3
–
–
–
–
–
–
4.9
7.1
6.0
2.6
3.6
4.0
4.7
7.1
5.8
2.5
3.6
4.0
–
–
–
–
–
–
–
–
–
–
–
–
10.5
3.9
4.6
–
7.7
8.8
7.4
8.6
6.4
4.4
10.7
6.7
9.6
9.2
4.6
6.4
–
7.5
–
–
–
–
–
–
–
–
–
–
–
4.5
7.2
–
–
2.7
–
5.7
–
–
–
–
–
–
–
–
–
10.5
3.9
4.6
–
7.7
8.8
7.4
8.6
6.4
10.5
4.4
4.7
–
7.9
6.2
7.3
8.6
6.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Benefits are based on a dollar amount per month for each year of service recognized by
the plan.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 4. Defined contribution plans: Type of plan,1 private industry workers, National Compensation
Survey, 2013
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ...............................................................
75
16
4
18
–
2
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
75
80
72
60
87
81
85
80
66
14
13
14
22
–
16
16
16
12
–
3
–
–
–
6
–
–
–
22
16
25
24
–
11
–
14
23
–
–
–
–
–
–
–
–
–
2
2
–
–
–
2
–
2
–
–
–
–
–
–
–
–
–
–
46
77
73
75
69
15
11
21
22
20
–
–
–
–
–
36
15
18
15
23
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
75
70
16
18
3
–
19
14
–
–
2
–
–
–
Union .......................................................................
Nonunion .................................................................
58
76
–
17
–
3
42
16
–
–
–
2
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
72
58
75
75
75
76
19
33
19
19
12
9
6
–
–
–
–
–
9
–
14
19
23
24
–
–
–
–
–
–
–
–
–
3
1
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
69
50
72
20
22
20
–
–
–
21
27
21
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
76
81
78
85
74
92
94
82
83
81
85
83
79
82
67
40
34
71
16
16
19
15
–
–
14
22
24
27
18
–
–
–
16
–
–
18
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
17
9
–
–
28
–
–
8
8
–
–
13
–
–
32
61
75
27
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 4. Defined contribution plans: Type of plan,1 private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Money
purchase
pension
Savings
incentive
match plan
(SIMPLE)
Other
Leisure and hospitality .........................................
Other services ......................................................
54
38
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
68
64
76
79
82
76
18
18
16
15
15
16
3
4
–
–
3
–
15
17
–
20
15
26
–
–
–
–
–
–
5
6
–
–
–
–
–
–
–
–
–
–
80
70
78
86
77
70
72
81
73
14
10
9
–
17
28
21
17
15
–
–
–
–
–
–
5
–
–
13
29
18
–
–
15
14
12
25
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Sum of individual items may be greater than total because multiple plans are
available to some employees.
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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 4. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2013
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ...............................................................
1.5
1.3
0.8
1.3
–
0.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.6
2.0
3.5
6.4
11.1
1.4
1.8
1.7
3.9
1.9
2.4
2.1
5.3
–
1.6
2.1
1.8
1.7
–
0.9
–
–
–
1.7
–
–
–
2.2
2.3
3.1
6.2
–
1.3
–
1.6
3.5
–
–
–
–
–
–
–
–
–
0.5
0.6
–
–
–
0.5
–
0.5
–
–
–
–
–
–
–
–
–
–
7.5
4.2
3.5
4.5
3.5
3.1
2.6
2.2
3.1
3.4
–
–
–
–
–
6.9
3.7
3.0
3.7
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
4.3
1.2
4.6
1.0
–
1.4
3.0
–
–
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
6.1
1.5
–
1.4
–
0.8
5.7
1.3
–
–
–
0.5
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.5
8.6
2.2
2.1
3.0
4.9
2.6
8.7
2.6
1.9
1.6
1.7
1.5
–
–
–
–
–
2.6
–
2.0
1.9
2.2
4.0
–
–
–
–
–
–
–
–
–
0.8
0.4
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.1
5.7
4.3
2.4
4.6
2.9
–
–
–
3.1
4.6
3.6
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.5
1.5
3.7
2.3
7.0
6.0
2.7
2.1
2.3
3.9
2.9
4.9
8.8
5.9
3.0
6.2
6.3
3.4
1.6
2.0
4.1
2.2
–
–
3.6
2.7
2.4
3.8
3.7
–
–
–
3.5
–
–
4.0
–
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.8
–
–
7.9
–
–
1.8
2.1
–
–
3.1
–
–
3.9
5.9
6.0
4.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2013—continued
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Money
purchase
pension
Savings
incentive
match plan
(SIMPLE)
Other
Leisure and hospitality .........................................
Other services ......................................................
14.1
11.1
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
3.1
5.1
2.2
3.2
2.8
1.7
1.8
3.9
1.9
2.3
2.8
0.9
1.3
–
–
0.7
–
2.8
3.3
–
1.6
2.7
2.3
–
–
–
–
–
–
1.1
1.3
–
–
–
–
–
–
–
–
–
–
3.8
5.3
2.5
3.6
7.1
3.3
4.2
2.3
5.2
3.8
1.7
1.6
–
3.0
5.1
3.2
4.1
1.8
–
–
–
–
–
–
1.0
–
–
2.4
4.7
2.5
–
–
2.1
3.0
1.6
5.1
–
–
–
–
–
–
–
–
–
0.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 5. Deferred profit-sharing plans: Method of employee contribution, private industry workers, National
Compensation Survey, 2013
(All workers participating in deferred profit sharing plans = 100 percent)
Characteristics
Employee
contributions
allowed1
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax2 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristic
All workers ...............................................................
18
18
–
–
7
9
2
3
80
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Production, transportation, and material moving .....
Production ............................................................
–
17
–
–
20
15
23
–
–
–
–
17
–
–
20
15
23
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
–
13
–
–
–
( )
1
–
–
–
3
–
6
5
6
80
82
79
78
76
84
72
79
85
85
–
1
–
–
4
1
5
–
–
–
Full time ...................................................................
Part time ..................................................................
17
–
17
–
–
–
–
–
6
–
9
–
2
–
80
73
2
–
Nonunion .................................................................
19
19
–
–
8
9
2
79
2
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
19
15
19
15
–
19
15
19
15
–
–
–
–
–
–
–
–
–
–
–
–
6
–
–
–
–
8
8
–
3
4
1
–
–
74
80
84
76
79
–
(3)
1
4
6
Goods-producing industries .....................................
–
–
–
–
–
–
5
85
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
19
–
22
21
19
–
22
21
–
–
–
–
–
–
–
–
–
–
–
–
9
–
–
–
–
4
1
1
78
84
75
77
3
–
3
2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
30
28
–
9
–
–
30
28
–
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12
–
–
–
–
15
–
–
–
–
–
–
–
6
2
1
4
70
71
67
87
83
92
1
1
–
3
–
–
–
14
–
–
18
–
14
–
–
18
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
12
–
11
(3)
–
73
85
60
94
82
–
1
–
–
–
Establishment characteristic
Geographic area
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
Pacific ......................................................................
1 Sum of workers with pre-tax and post-tax contributions may be greater than total
because both methods of contribution are available to some employees.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement
plan contributions grow tax free.
3 Less than 0.5.
4 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 data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 5. Standard errors for deferred profit-sharing plans: Method of employee contribution, private industry workers,
National Compensation Survey, 2013
Characteristics
Employee
contributions
allowed
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax1 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristic
All workers ...............................................................
3.4
3.4
–
–
2.2
2.0
1.3
3.5
1.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Production, transportation, and material moving .....
Production ............................................................
–
4.8
–
–
3.7
4.1
4.5
–
–
–
–
4.8
–
–
3.7
4.1
4.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.8
–
3.7
–
–
–
0.4
1.2
–
–
–
2.7
–
4.3
3.5
5.3
5.9
4.9
8.3
10.0
4.2
4.1
5.2
7.1
5.0
6.8
–
1.0
–
–
2.3
1.0
3.3
–
–
–
Full time ...................................................................
Part time ..................................................................
3.1
–
3.1
–
–
–
–
–
1.3
–
2.2
–
1.4
–
3.2
16.2
1.0
–
Nonunion .................................................................
3.5
3.5
–
–
2.3
2.1
1.4
3.6
1.1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5.4
3.0
4.7
3.7
–
5.4
3.0
4.7
3.7
–
–
–
–
–
–
–
–
–
–
–
–
1.7
–
–
–
–
2.3
2.2
–
2.8
2.7
0.7
–
–
10.6
5.5
3.1
5.4
5.2
–
0.4
0.5
3.1
3.9
Goods-producing industries .....................................
–
–
–
–
–
–
4.2
5.5
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
4.1
–
4.4
4.5
4.1
–
4.4
4.5
–
–
–
–
–
–
–
–
–
–
–
–
2.6
–
–
–
–
3.1
1.2
1.2
4.4
5.7
5.0
4.6
1.4
–
1.5
1.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.9
5.7
–
2.8
–
–
5.9
5.7
–
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
–
–
–
–
4.0
–
–
–
–
–
–
–
5.2
1.9
0.7
4.0
5.9
5.8
12.8
3.3
5.3
4.3
0.5
0.7
–
1.8
–
–
–
4.1
–
–
4.2
–
4.1
–
–
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.2
9.4
–
10.1
0.3
–
16.2
4.6
9.7
2.7
4.2
–
1.2
–
–
–
Establishment characteristic
Geographic area
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
Pacific ......................................................................
1 Under these plans, employees are allowed to have part or all of their post-tax retirement
plan contributions grow tax free.
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 data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 6. Money purchase pension plans: Method of employee contribution, private industry workers, National
Compensation Survey, 2013
(All workers participating in money purchase pension plans = 100 percent)
Characteristics
Employee
contributions
allowed1
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax2 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristic
All workers ...............................................................
30
27
–
–
–
18
–
67
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
32
22
36
–
34
32
–
–
–
–
–
30
21
34
–
27
30
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
22
–
–
–
11
12
–
–
–
–
–
–
1
5
2
–
–
1
1
–
–
–
64
75
60
68
64
65
73
84
76
73
78
4
3
4
–
2
3
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
28
53
26
–
–
–
–
–
–
–
17
–
–
2
69
44
3
3
Nonunion .................................................................
28
24
–
–
–
13
–
69
3
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
28
23
32
43
24
19
31
42
–
–
–
–
–
–
–
–
–
–
–
–
–
11
24
–
3
–
–
5
69
75
65
53
3
2
4
3
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
81
76
–
–
Service-providing industries .....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
35
45
65
64
37
31
44
65
64
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
19
27
52
48
–
–
–
–
–
2
63
54
31
31
63
2
1
4
5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
36
–
27
–
31
34
–
23
–
28
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
18
–
20
1
–
–
4
–
61
70
70
75
67
3
–
3
–
1
58
–
–
–
32
–
49
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
42
–
–
–
–
–
–
–
6
1
15
2
39
85
60
82
67
63
2
–
–
–
1
–
Establishment characteristic
Geographic area
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Pacific ......................................................................
1 Sum of workers with pre-tax and post-tax contributions may be greater than total
because both methods of contribution are available to some employees.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement
plan contributions grow tax free.
3 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 data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 6. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,
National Compensation Survey, 2013
Characteristics
Employee
contributions
allowed
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax1 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristic
All workers ...............................................................
4.3
4.2
–
–
–
4.0
–
4.6
1.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.7
5.6
7.0
–
7.4
7.0
–
–
–
–
–
6.0
5.6
7.5
–
6.4
6.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.1
–
–
–
2.5
2.9
–
–
–
–
–
–
1.2
2.4
1.4
–
–
0.5
1.3
–
–
–
5.8
5.7
7.0
12.9
7.4
6.9
10.1
8.0
12.0
17.6
14.4
2.8
2.1
3.3
–
1.1
1.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
4.1
12.5
4.0
–
–
–
–
–
–
–
3.7
–
–
1.5
4.4
12.2
1.3
3.4
Nonunion .................................................................
4.5
4.0
–
–
–
3.1
–
4.7
1.7
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.4
5.0
5.9
9.8
6.9
3.9
6.1
10.0
–
–
–
–
–
–
–
–
–
–
–
–
–
3.3
6.3
–
1.7
–
–
3.4
7.8
5.5
6.1
9.6
1.2
1.1
2.4
2.9
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10.5
13.3
–
–
Service-providing industries .....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
4.8
7.1
5.2
5.4
10.6
5.0
7.3
5.2
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.6
7.8
5.7
6.1
–
–
–
–
–
2.2
4.9
7.0
4.8
4.9
10.6
1.7
0.8
2.9
3.4
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
9.5
–
5.1
–
5.7
9.6
–
4.4
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.6
–
5.4
1.2
–
–
3.3
–
9.5
9.6
5.5
8.6
5.7
1.6
–
2.0
–
0.8
9.1
–
–
–
9.3
–
8.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11.3
–
–
–
–
–
–
–
7.1
0.7
8.9
2.2
10.6
8.1
16.1
5.9
9.4
12.2
2.1
–
–
–
1.2
–
Establishment characteristic
Geographic area
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Pacific ......................................................................
1 Under these plans, employees are allowed to have part or all of their post-tax retirement
plan contributions grow tax free.
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 data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 7. Savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ...............................................................
100
46
32
14
84
78
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
51
59
46
21
–
47
43
49
46
31
32
31
23
–
32
31
33
26
16
17
15
–
–
12
10
12
10
84
84
83
84
91
86
79
90
83
78
81
75
81
91
82
–
85
–
100
100
100
100
100
–
50
40
42
37
–
32
40
48
28
–
13
20
25
11
85
82
–
–
–
–
76
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
47
34
33
21
15
6
84
82
79
–
Union .......................................................................
Nonunion .................................................................
100
100
54
45
30
32
–
14
–
84
–
79
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
28
37
32
48
58
61
15
15
27
38
36
37
–
–
9
16
18
21
79
–
82
87
84
79
–
–
–
81
78
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
49
55
48
46
–
51
22
–
27
79
83
78
74
–
74
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
45
46
54
38
50
62
60
61
67
67
61
52
66
24
27
41
23
29
29
45
18
38
–
34
43
41
28
61
33
39
18
–
–
17
12
13
23
–
–
–
–
11
13
–
20
23
–
–
–
–
–
85
83
82
81
90
–
96
90
92
89
95
77
–
89
–
88
90
79
80
–
81
86
–
88
83
83
85
81
–
–
81
–
84
82
Establishment characteristic
See footnotes at end of table.
Table 7. Savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
100
100
100
100
100
100
42
44
39
48
46
50
–
21
–
38
37
39
–
–
–
18
19
17
–
–
84
86
84
88
–
–
–
81
79
84
100
100
100
100
100
100
100
100
100
38
47
48
46
47
41
35
48
55
39
29
24
41
32
33
38
28
38
–
5
14
–
14
13
10
–
24
87
81
86
84
84
79
83
88
85
–
77
83
82
77
76
80
79
83
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not receiving the benefit and
workers for whom the availability of the benefit could not be determined. For
example, in 2012, 43 percent of all workers had a post-tax contribution. The
remaining 57 percent either did not have the provision or information on the
provision was not available.
2 Under these plans, employees are allowed to have part or all of their
post-tax retirement plan contributions grow tax free.
3 The employer automatically enrolls employees in the plan at a specified
rate of contribution (e.g., 3 percent of earnings), unless the employee opts out
of the plan.
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 7. Standard errors for savings and thrift plans: Summary of provisions,1 private industry workers,
National Compensation Survey, 2013
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ...............................................................
(4)
1.9
1.8
1.5
1.5
1.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
0.0
(4)
(4)
(4)
0.0
(4)
(4)
3.0
3.9
4.3
3.5
–
2.5
3.6
2.9
5.8
2.8
3.0
3.7
4.3
–
2.9
4.2
3.5
3.1
2.7
2.7
3.5
–
–
1.8
3.1
2.2
1.8
2.9
3.9
3.5
3.3
5.3
1.4
3.0
1.7
2.8
3.0
3.8
4.0
3.7
5.3
1.7
–
2.1
–
0.0
0.0
(4)
(4)
0.0
–
4.9
3.3
4.1
5.1
–
4.2
3.6
4.3
4.4
–
2.4
2.6
3.4
3.0
6.4
3.0
–
–
–
–
4.3
–
–
–
Full time ...................................................................
Part time ..................................................................
0.0
0.0
1.9
3.6
1.9
3.2
1.6
1.8
1.6
3.0
1.8
–
Union .......................................................................
Nonunion .................................................................
0.0
(4)
5.2
1.8
4.5
1.9
–
1.5
–
1.6
–
1.8
Average wage within the following categories5:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
(4)
0.0
0.0
(4)
2.6
7.2
3.1
2.2
2.8
5.0
3.9
3.4
2.4
2.4
3.1
5.2
–
–
1.3
1.9
2.9
5.2
3.4
–
3.0
1.3
2.4
4.3
–
–
–
1.9
2.9
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(4)
0.0
(4)
3.1
5.7
3.4
3.7
–
4.1
2.6
–
2.9
2.9
5.0
3.0
3.3
–
3.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
(4)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
(4)
0.0
(4)
(4)
0.0
2.1
2.1
5.9
2.8
10.1
10.2
6.4
3.6
4.1
5.5
7.1
6.1
6.3
4.9
5.6
5.3
5.3
2.0
2.7
6.0
2.8
7.2
–
5.7
2.7
2.7
4.9
4.2
7.0
9.2
4.1
–
–
4.4
1.7
2.9
6.6
–
–
–
–
2.5
2.7
–
5.2
6.1
–
–
–
–
–
1.7
2.2
4.7
3.4
5.8
–
2.8
2.3
1.5
1.7
2.1
5.7
–
3.9
–
7.4
4.1
2.0
2.5
–
3.3
6.3
–
4.2
2.3
1.8
2.0
3.4
–
–
5.0
–
8.1
5.4
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for savings and thrift plans: Summary of provisions,1 private industry workers,
National Compensation Survey, 2013—continued
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
0.0
0.0
0.0
(4)
0.0
0.0
3.3
3.5
5.9
2.3
3.4
3.3
–
2.8
–
2.5
3.7
3.3
–
–
–
2.2
3.3
2.6
–
–
3.6
1.9
2.3
2.4
–
–
–
2.1
2.8
2.6
0.0
(4)
0.0
0.0
0.0
(4)
0.0
0.0
0.0
5.5
3.9
3.6
6.0
5.0
6.2
3.6
6.2
6.3
7.8
3.8
3.2
8.1
6.0
3.5
8.9
3.7
6.2
–
1.3
3.3
–
4.1
2.2
1.9
–
6.9
5.1
5.4
3.7
4.6
3.7
2.6
5.1
3.1
3.9
–
6.1
3.8
3.5
4.7
2.4
7.6
4.4
3.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not receiving the benefit and
workers for whom the availability of the benefit could not be determined. For
example, in 2012, 43 percent of all workers had a post-tax contribution. The
remaining 57 percent either did not have the provision or information on the
provision was not available.
2 Under these plans, employees are allowed to have part or all of their
post-tax retirement plan contributions grow tax free.
3 The employer automatically enrolls employees in the plan at a specified
rate of contribution (e.g., 3 percent of earnings), unless the employee opts out
of the plan.
4 Less than 0.05.
5 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 8. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Total
No
Automatic
Default contribution as percent of earnings
Default
Default
automatic
Not
Other
enrollment
contribution
contribution enrollment determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Worker characteristic
All workers ...............................................................
100
32
30
2.0
–
3.0
3.0
5.0
–
2
56
12
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
31
32
31
23
–
32
31
33
26
30
30
30
23
–
30
26
31
25
2.0
2.0
–
–
–
2.0
–
2.0
–
2.0
3.0
2.0
–
–
–
–
–
3.0
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
3.0
3.0
–
3.0
3.0
–
3.0
–
3.0
3.0
5.0
5.5
4.0
–
–
5.0
–
–
5.0
–
–
–
–
–
–
–
–
–
2
2
1
(3)
–
2
5
1
1
55
54
55
74
60
59
61
57
61
14
14
14
3
–
9
7
10
13
100
100
100
100
100
–
32
40
48
28
–
31
39
46
27
–
–
2.0
–
1.0
–
3.0
3.0
3.0
–
–
3.0
3.0
3.0
3.0
–
3.0
4.0
4.0
–
–
5.0
5.0
5.0
6.0
–
–
–
–
–
–
1
1
2
1
77
56
45
38
57
–
12
14
14
15
Full time ...................................................................
Part time ..................................................................
100
100
33
21
31
21
2.0
1.0
–
–
3.0
–
3.0
3.0
5.0
4.0
–
–
2
(3)
55
72
12
6
Union .......................................................................
Nonunion .................................................................
100
100
30
32
30
31
–
2.0
3.0
–
–
3.0
–
3.0
6.0
5.0
–
–
–
2
58
56
12
12
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
15
15
27
38
36
37
14
15
26
36
34
35
–
–
–
2.0
2.0
2.0
2.0
–
–
3.0
–
–
–
4.0
3.0
3.0
3.0
3.0
3.0
–
3.0
–
–
–
4.0
6.0
4.0
5.0
5.0
5.0
–
–
–
–
–
–
2
–
1
2
2
2
73
79
60
52
53
50
12
6
13
11
11
13
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
46
–
51
44
–
50
2.0
–
2.0
3.0
–
3.0
3.0
–
3.0
3.0
–
3.0
5.0
–
5.0
–
–
–
1
–
2
43
–
39
12
–
9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
29
29
45
18
38
–
34
43
41
28
61
33
39
18
–
–
17
27
26
38
15
38
–
26
41
39
28
57
33
39
17
–
–
17
–
–
–
1.0
1.0
–
2.0
–
3.0
2.0
3.0
2.0
2.0
1.0
–
–
1.0
2.0
3.0
3.0
–
–
–
2.0
3.0
3.0
3.0
3.0
–
–
–
–
–
–
3.0
3.0
–
3.0
3.0
–
3.0
3.0
3.0
3.0
3.0
3.0
3.0
2.0
–
–
2.0
3.0
4.0
4.0
3.0
3.0
–
3.0
4.0
5.0
3.0
5.0
3.0
–
–
–
–
3.0
5.0
–
6.0
4.0
–
–
3.0
5.0
6.0
–
6.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
3
7
2
–
–
9
2
2
–
4
–
–
3
( )
–
–
(3)
59
61
39
77
56
–
65
47
49
61
30
50
41
69
58
–
70
12
10
17
5
6
–
(3)
10
10
11
9
17
19
13
–
–
13
Establishment characteristic
See footnotes at end of table.
Table 8. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2013—continued
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
No
Automatic
Default contribution as percent of earnings
Default
Default
automatic
Not
Other
enrollment
contribution
contribution enrollment determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
100
100
100
100
100
100
–
21
–
38
37
39
–
19
–
36
35
38
–
–
–
2.0
–
2.0
–
3.0
–
–
–
3.0
–
3.0
–
3.0
3.0
3.0
–
4.0
–
3.0
3.0
3.0
–
5.0
–
5.0
5.0
5.0
–
–
–
–
–
–
–
2
–
2
2
2
–
60
–
55
56
54
–
19
–
7
7
7
100
100
100
100
100
100
100
100
100
39
29
24
41
32
33
38
28
38
31
28
22
41
29
31
38
26
37
1.0
2.0
2.0
2.0
2.0
–
2.0
–
2.0
–
–
3.0
3.0
3.0
3.0
–
–
2.0
–
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
–
3.0
–
–
–
3.0
4.0
3.0
–
6.0
5.0
4.0
6.0
5.0
4.0
6.0
4.0
–
–
–
–
–
–
–
–
–
8
1
2
–
3
1
(3)
2
1
48
54
62
53
58
58
44
63
57
13
17
15
6
10
9
18
9
5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of
earnings), unless the employee opts out of the plan.
2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based
on employee length of service, or other methods.
3 Less than 0.5.
4 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 data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 8. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2013
With automatic enrollment
Characteristics
No
Automatic
Default contribution as percent of earnings
Default
Default
automatic
Not
Other
enrollment
contribution
contribution enrollment determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Worker characteristic
All workers ...............................................................
1.8
1.9
0.0
–
0.0
0.2
0.4
–
0.3
1.9
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
3.0
3.7
4.3
–
2.9
4.2
3.5
3.1
2.8
3.0
3.7
4.3
–
3.1
4.8
3.6
3.1
0.0
0.0
–
–
–
0.5
–
0.0
–
0.5
0.0
0.0
–
–
–
–
–
0.0
0.0
0.0
0.0
0.2
–
0.0
0.0
0.0
0.0
0.2
–
0.0
0.0
–
0.8
–
0.4
0.5
0.6
0.9
0.5
–
–
1.2
–
–
0.6
–
–
–
–
–
–
–
–
–
0.3
0.5
0.4
0.3
–
0.8
1.8
0.5
0.4
3.4
3.7
4.1
4.3
15.2
2.2
4.2
3.0
4.1
2.5
3.4
3.2
0.9
–
1.8
2.0
2.6
2.7
–
4.2
3.6
4.3
4.4
–
4.2
3.6
4.5
4.4
–
–
0.3
–
0.0
–
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
–
0.0
1.2
1.2
–
–
0.9
0.7
1.1
1.7
–
–
–
–
–
–
0.5
0.6
0.8
0.5
8.9
4.2
3.3
3.5
5.4
–
2.5
3.0
3.7
4.1
Full time ...................................................................
Part time ..................................................................
1.9
3.2
1.9
3.2
0.0
0.0
–
–
0.0
–
0.3
0.0
0.3
0.8
–
–
0.4
0.1
1.9
3.3
1.6
2.1
Union .......................................................................
Nonunion .................................................................
4.5
1.9
4.5
2.0
–
0.0
0.0
–
–
0.0
–
0.0
0.4
1.2
–
–
–
0.4
4.1
2.0
2.8
1.6
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.9
3.4
2.4
2.4
3.1
5.2
3.6
3.4
2.4
2.4
3.1
5.2
–
–
–
0.0
0.0
0.0
0.0
–
–
0.0
–
–
–
1.0
0.0
0.0
0.0
0.0
0.9
–
0.0
–
–
–
0.6
0.0
0.0
0.2
0.6
0.9
–
–
–
–
–
–
1.2
–
0.2
0.5
0.6
1.1
3.6
6.0
3.7
2.3
2.9
4.8
3.3
4.4
3.2
2.3
1.3
2.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.7
–
4.1
3.7
–
4.1
0.0
–
0.0
0.0
–
0.0
0.0
–
0.0
0.8
–
0.5
0.5
–
0.7
–
–
–
0.7
–
0.9
2.8
–
3.3
2.8
–
2.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.0
2.7
6.0
2.8
7.2
–
5.7
2.7
2.7
4.9
4.2
7.0
9.2
4.1
–
–
4.4
2.1
2.9
6.3
2.5
7.2
–
5.1
2.7
2.5
4.9
4.1
7.0
9.2
4.1
–
–
4.4
–
–
–
0.0
0.0
–
0.0
–
0.8
0.3
0.0
0.0
0.0
0.0
–
–
0.0
0.5
0.5
0.0
–
–
–
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
0.0
0.0
–
0.0
0.0
–
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.4
0.7
0.0
0.0
0.3
–
0.0
0.8
0.8
0.5
0.6
0.3
–
–
–
–
0.8
0.9
–
1.0
0.0
–
–
0.0
1.3
0.9
–
0.5
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
0.8
3.2
1.0
–
–
3.6
0.5
0.6
–
0.8
–
–
0.5
–
–
0.5
2.2
2.9
6.2
2.8
7.9
–
5.6
2.7
2.8
4.7
5.5
6.7
9.2
5.2
8.5
–
5.7
1.8
1.9
3.8
1.2
5.0
–
0.4
1.6
1.7
2.5
3.5
5.4
5.4
4.1
–
–
4.4
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey,
2013—continued
With automatic enrollment
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
No
Automatic
Default contribution as percent of earnings
Default
Default
Not
automatic
enrollment
Other
contribution
contribution enrollment determinable
50th
available
default
as percent
10th
25th
75th
90th
not
available
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
–
2.8
–
2.5
3.7
3.3
–
2.7
–
2.7
3.8
3.5
–
–
–
0.5
–
0.4
–
0.0
–
–
–
0.9
–
0.0
–
0.0
0.0
0.0
–
0.2
–
0.0
0.7
0.0
–
1.1
–
0.5
0.5
1.3
–
–
–
–
–
–
–
0.6
–
0.5
0.7
0.6
–
3.8
–
2.4
3.5
3.4
–
3.6
–
1.3
1.4
2.2
7.8
3.8
3.2
8.1
6.0
3.5
8.9
3.7
6.2
8.3
3.7
4.0
8.1
6.1
3.7
8.8
1.8
6.3
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.0
–
–
0.0
0.5
0.2
0.0
–
–
0.3
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
–
–
0.0
0.7
0.9
–
0.8
1.0
0.0
0.0
0.3
0.0
0.7
0.0
–
–
–
–
–
–
–
–
–
1.9
0.6
1.1
–
1.3
0.5
0.1
2.3
0.4
10.0
3.5
5.7
7.0
3.5
3.5
6.3
2.5
6.3
4.8
5.6
3.8
1.7
3.9
1.0
10.7
5.1
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts
based on employee length of service, or other methods.
3 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 9. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ...............................................................
100
32
33
50
60
100
100
56
12
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
31
32
31
23
–
32
31
33
26
33
33
–
–
–
38
50
33
44
50
50
–
–
–
50
50
50
50
50
50
50
100
–
60
60
60
67
100
100
100
100
–
100
100
100
100
100
100
100
100
–
100
100
100
–
55
54
55
74
60
59
61
57
61
14
14
14
3
–
9
7
10
13
100
100
100
100
100
–
32
40
48
28
–
44
–
50
33
–
50
50
50
–
–
56
56
50
60
–
–
67
67
100
–
100
100
–
100
77
56
45
38
57
–
12
14
14
15
Full time ...................................................................
Part time ..................................................................
100
100
33
21
33
20
50
–
60
–
100
60
100
–
55
72
12
6
Union .......................................................................
Nonunion .................................................................
100
100
30
32
33
33
50
50
67
56
100
100
100
100
58
56
12
12
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
15
15
27
38
36
37
–
–
33
44
33
–
–
–
50
50
50
50
60
–
50
60
50
60
67
–
–
100
100
100
67
–
100
100
100
100
73
79
60
52
53
50
12
6
13
11
11
13
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
46
–
51
50
–
–
50
–
50
50
–
50
67
–
56
100
–
100
43
–
39
12
–
9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
29
29
45
18
38
–
34
43
41
28
61
33
39
18
–
–
17
33
33
–
–
–
–
44
50
50
50
40
50
50
20
–
–
20
50
50
67
67
–
–
44
50
50
50
50
50
–
–
–
–
–
60
67
67
–
60
–
60
–
50
50
100
60
–
–
–
–
33
100
–
–
100
60
–
75
100
100
60
100
–
100
100
–
–
–
100
100
100
100
–
–
75
100
100
–
100
100
100
100
–
–
100
59
61
39
77
56
–
65
47
49
61
30
50
41
69
58
–
70
12
10
17
5
6
–
(3)
10
10
11
9
17
19
13
–
–
13
Establishment characteristic
See footnotes at end of table.
Table 9. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2013—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
100
100
100
100
100
100
–
21
–
38
37
39
–
50
–
33
–
33
–
50
–
50
50
50
–
67
–
56
56
50
–
–
–
100
–
100
–
100
–
100
100
100
–
60
–
55
56
54
–
19
–
7
7
7
100
100
100
100
100
100
100
100
100
39
29
24
41
32
33
38
28
38
20
44
50
–
–
40
33
–
50
20
50
50
50
50
50
–
–
50
–
100
60
60
50
56
50
–
75
50
100
100
67
60
–
–
–
100
–
100
100
–
–
100
100
100
100
48
54
62
53
58
58
44
63
57
13
17
15
6
10
9
18
9
5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the
maximum employee contribution matched by the employer, for those plans that specify both
values.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
3
Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 9. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, National Compensation Survey, 2013
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ...............................................................
1.8
1.5
0.0
6.5
10.5
0.0
1.9
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
3.0
3.7
4.3
–
2.9
4.2
3.5
3.1
8.9
8.3
–
–
–
5.8
4.3
6.1
2.9
11.0
0.0
–
–
–
0.0
0.0
1.0
0.0
10.1
11.2
11.4
29.6
–
4.0
13.4
5.4
18.1
0.0
9.1
9.8
0.0
–
16.6
22.2
23.9
15.1
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
–
3.4
3.7
4.1
4.3
15.2
2.2
4.2
3.0
4.1
2.5
3.4
3.2
0.9
–
1.8
2.0
2.6
2.7
–
4.2
3.6
4.3
4.4
–
1.0
–
0.0
0.0
–
1.0
0.0
0.0
–
–
13.7
5.9
4.4
7.5
–
–
4.0
3.8
14.9
–
0.0
0.0
–
0.0
8.9
4.2
3.3
3.5
5.4
–
2.5
3.0
3.7
4.1
Full time ...................................................................
Part time ..................................................................
1.9
3.2
6.2
1.6
0.0
–
3.6
–
0.0
14.1
0.0
–
1.9
3.3
1.6
2.1
Union .......................................................................
Nonunion .................................................................
4.5
1.9
6.5
2.0
3.3
0.0
8.5
7.0
17.6
14.6
0.0
0.0
4.1
2.0
2.8
1.6
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.9
3.4
2.4
2.4
3.1
5.2
–
–
7.7
7.2
8.4
–
–
–
0.0
0.0
6.3
0.0
12.3
–
7.5
6.1
8.8
10.1
0.0
–
–
0.0
21.7
25.4
11.1
–
0.0
0.0
0.0
0.0
3.6
6.0
3.7
2.3
2.9
4.8
3.3
4.4
3.2
2.3
1.3
2.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.7
–
4.1
11.2
–
–
0.0
–
0.0
0.0
–
0.0
13.2
–
11.1
0.0
–
6.1
2.8
–
3.3
2.8
–
2.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.0
2.7
6.0
2.8
7.2
–
5.7
2.7
2.7
4.9
4.2
7.0
9.2
4.1
–
–
4.4
1.5
6.9
–
–
–
–
0.0
2.6
7.7
0.0
3.4
0.0
0.0
0.0
–
–
0.0
2.7
10.4
14.8
3.0
–
–
5.2
0.0
0.0
0.0
3.2
0.0
–
–
–
–
–
3.6
8.1
0.0
–
7.3
–
13.7
–
10.3
0.0
21.0
1.7
–
–
–
–
5.5
0.0
–
–
22.8
7.3
–
19.4
0.0
0.0
6.4
0.0
–
9.1
23.7
–
–
–
0.0
0.0
0.0
0.0
–
–
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
0.0
2.2
2.9
6.2
2.8
7.9
–
5.6
2.7
2.8
4.7
5.5
6.7
9.2
5.2
8.5
–
5.7
1.8
1.9
3.8
1.2
5.0
–
0.4
1.6
1.7
2.5
3.5
5.4
5.4
4.1
–
–
4.4
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, National Compensation Survey, 2013—continued
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
–
2.8
–
2.5
3.7
3.3
–
0.0
–
3.7
–
0.0
–
3.2
–
2.9
0.0
9.9
–
3.8
–
7.1
7.1
12.6
–
–
–
7.9
–
0.0
–
0.0
–
0.0
0.0
0.0
–
3.8
–
2.4
3.5
3.4
–
3.6
–
1.3
1.4
2.2
7.8
3.8
3.2
8.1
6.0
3.5
8.9
3.7
6.2
3.8
6.3
0.0
–
–
10.7
7.0
–
6.6
3.4
10.0
0.0
0.0
9.3
0.0
–
–
0.0
–
8.6
14.8
7.1
0.0
1.5
2.9
–
18.2
4.1
0.0
23.6
0.0
8.1
–
–
–
0.0
–
0.0
0.0
–
–
0.0
0.0
0.0
0.0
10.0
3.5
5.7
7.0
3.5
3.5
6.3
2.5
6.3
4.8
5.6
3.8
1.7
3.9
1.0
10.7
5.1
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the
maximum employee contribution matched by the employer, for those plans that specify
both values.
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
data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 10. Savings and thrift plans: Automatic escalation features, private industry workers, National Compensation
Survey, 2013
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
Total
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Median
number of
years of
escalation
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
Worker characteristic
All workers ...............................................................
100
43
26
3
30
6.0
49
8
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
50
52
49
–
–
36
33
38
38
29
29
28
–
–
25
–
27
25
–
3
2
–
–
3
–
–
3
29
37
22
–
–
30
–
34
31
6.0
7.0
6.0
–
–
6.0
–
6.0
8.0
41
41
41
77
–
57
61
55
60
9
7
10
–
–
7
6
8
2
100
100
100
100
100
–
40
49
52
41
–
27
30
34
–
–
3
3
3
–
–
33
38
38
39
–
8.0
6.0
6.0
6.0
–
57
42
37
57
–
2
9
11
2
Full time ...................................................................
Part time ..................................................................
100
100
44
29
27
–
3
–
31
–
6.0
–
48
66
8
5
Union .......................................................................
Nonunion .................................................................
100
100
43
43
–
26
–
3
–
30
–
6.0
48
49
9
7
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
40
–
33
41
51
58
–
–
24
25
29
29
–
–
3
3
–
–
–
–
26
36
29
30
–
–
6.0
6.0
6.0
6.0
58
80
62
51
40
37
2
–
6
8
9
5
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
49
52
38
41
3
3
36
39
–
–
41
38
9
10
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
41
47
52
–
–
27
32
–
33
71
80
–
–
–
22
19
–
–
–
–
–
–
–
–
–
–
–
–
3
3
–
–
–
–
–
–
–
–
–
–
–
–
28
41
42
–
–
20
24
–
26
37
–
–
–
–
6.0
6.0
6.0
–
–
10.0
10.0
–
10.0
6.0
–
–
–
–
52
47
42
62
–
68
62
77
56
–
–
81
–
82
7
6
6
–
–
5
6
–
11
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Savings and thrift plans: Automatic escalation features, private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
1 to 99 workers:
1 to 49 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Median
number of
years of
escalation
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
100
100
100
100
–
47
50
43
13
29
28
30
–
3
–
3
–
32
34
30
–
6.0
6.0
6.0
58
47
45
49
–
6
5
8
100
100
100
100
100
100
100
100
–
19
58
43
41
27
–
64
–
13
–
–
39
16
–
–
–
–
–
–
3
–
–
–
–
–
36
28
41
23
–
33
–
–
8.5
6.0
6.0
6.0
–
–
53
71
36
55
50
62
–
31
–
10
6
1
9
11
11
4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the individual components may exceed the total because some workers
may be in plans in which employee contribution is escalated based on both years of service
and as a specified percent of earnings.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 10. Standard errors for savings and thrift plans: Automatic escalation features, private industry
workers, National Compensation Survey, 2013
Automatic escalation features1
Characteristics
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Median
number of
years of
escalation
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
Worker characteristic
All workers ...............................................................
3.3
2.9
0.0
2.7
0.0
3.4
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.5
4.9
7.8
–
–
4.3
6.0
5.5
5.9
4.4
4.4
6.3
–
–
4.3
–
4.9
4.0
–
0.9
0.3
–
–
0.5
–
–
0.0
3.8
4.8
4.5
–
–
4.3
–
5.3
5.6
0.7
1.9
0.0
–
–
0.0
–
0.0
1.2
5.2
4.5
7.3
8.2
–
4.3
6.0
5.4
6.0
1.9
1.6
3.0
–
–
1.8
3.4
2.1
1.0
–
6.0
5.6
6.4
7.9
–
4.1
5.0
5.5
–
–
0.0
0.0
0.0
–
–
5.7
5.2
6.2
7.9
–
1.6
0.0
0.9
0.0
–
6.1
6.1
6.8
7.8
–
1.1
2.9
3.9
1.0
Full time ...................................................................
Part time ..................................................................
3.3
8.4
3.1
–
0.0
–
2.8
–
0.0
–
3.4
8.8
1.4
3.5
Union .......................................................................
Nonunion .................................................................
10.2
3.3
–
3.1
–
0.0
–
2.6
–
0.0
9.7
3.4
1.9
1.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
11.7
–
3.9
4.0
5.1
7.5
–
–
3.9
3.7
4.5
6.6
–
–
0.0
0.0
–
–
–
–
3.8
3.8
4.0
6.8
–
–
0.0
0.8
0.4
0.0
11.7
10.0
4.0
4.2
4.8
6.9
1.6
–
1.6
1.8
1.9
2.0
Goods-producing industries .....................................
Manufacturing ......................................................
5.0
5.3
4.9
5.0
0.0
0.0
4.7
5.2
–
–
5.9
6.2
2.6
2.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
4.2
6.6
11.1
–
–
5.9
6.2
–
7.0
9.8
11.2
–
–
–
3.5
3.2
–
–
–
–
–
–
–
–
–
–
–
–
0.4
0.0
–
–
–
–
–
–
–
–
–
–
–
–
3.3
7.8
11.8
–
–
5.3
6.0
–
7.2
10.0
–
–
–
–
0.0
0.0
0.0
–
–
0.0
0.0
–
2.2
0.0
–
–
–
–
4.3
6.2
10.5
10.0
–
7.5
8.0
8.5
9.8
–
–
8.0
–
9.1
1.6
1.2
5.0
–
–
3.9
4.6
–
8.7
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for savings and thrift plans: Automatic escalation features, private industry
workers, National Compensation Survey, 2013—continued
Automatic escalation features1
Characteristics
1 to 99 workers:
1 to 49 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Median
number of
years of
escalation
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
–
3.9
5.6
5.0
3.7
3.6
4.5
4.8
–
0.0
–
0.0
–
3.2
4.9
5.1
–
0.0
0.0
0.6
8.7
3.8
5.4
5.2
–
1.5
2.0
2.2
–
4.3
8.0
7.4
7.1
4.8
–
8.6
–
2.7
–
–
8.1
1.7
–
–
–
–
–
–
0.0
–
–
–
–
–
5.6
7.7
7.1
4.4
–
8.4
–
–
1.9
1.4
0.0
0.0
–
–
13.0
8.9
6.6
7.5
9.0
5.6
–
8.1
–
5.5
3.8
1.2
2.8
5.6
8.3
1.5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the individual components may exceed the total because some
workers may be in plans in which employee contribution is escalated based on both
years of service and as a specified percent of earnings.
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 data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 11. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Total
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ...............................................................
100
57
25
50
50
75
85
42
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
54
64
47
36
64
65
67
64
54
30
30
25
25
50
30
–
30
–
50
50
50
–
50
50
50
50
30
50
50
50
50
75
50
50
50
50
75
75
75
75
80
75
50
75
75
80
75
80
80
90
85
75
85
85
45
35
52
64
–
34
33
34
46
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
43
58
57
52
65
–
–
25
25
25
75
30
50
50
50
75
50
50
50
–
75
–
75
75
80
90
85
85
85
86
57
42
43
47
35
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
57
58
25
–
50
50
50
50
75
75
85
80
42
42
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
60
57
16
25
30
50
50
50
75
75
75
85
38
43
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
61
44
55
54
60
60
–
15
–
25
25
25
50
–
50
50
50
50
50
50
50
50
50
50
80
75
75
75
75
75
90
80
85
85
75
75
39
56
45
45
39
40
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
58
–
62
25
–
25
–
–
–
50
–
50
75
–
75
85
–
85
42
74
38
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
57
64
61
67
63
62
83
62
65
65
62
64
57
34
14
18
36
25
–
–
–
35
20
–
30
30
50
25
50
50
–
25
–
–
50
50
50
50
40
25
25
50
50
50
50
50
50
50
–
75
–
50
50
–
50
50
50
50
50
50
50
50
60
75
80
75
75
80
75
75
75
50
75
60
50
75
75
60
75
75
75
85
80
80
85
85
80
85
80
85
84
60
80
80
75
80
75
75
85
95
95
85
42
35
39
33
35
32
–
34
30
34
27
36
43
66
86
82
64
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
100
100
100
100
100
100
46
47
46
63
68
57
25
25
30
25
30
25
50
50
50
50
50
50
50
50
–
50
50
50
75
75
75
75
75
75
85
85
85
80
85
80
53
53
54
36
32
41
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
60
50
57
50
65
64
49
56
55
25
25
25
50
30
35
–
–
30
–
–
50
50
50
50
50
50
50
50
50
50
75
50
60
50
50
50
–
–
75
80
75
80
75
–
75
75
75
85
85
80
85
90
75
75
40
49
42
50
34
36
51
42
43
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 11. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2013
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ...............................................................
2.1
0.0
0.0
0.0
0.0
2.6
2.1
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.2
3.9
4.3
4.4
13.0
2.5
3.6
3.5
5.0
6.8
5.6
6.0
1.6
0.0
7.3
–
4.7
–
0.0
0.0
0.0
–
7.9
0.0
0.0
0.0
8.7
0.0
0.0
6.1
0.0
15.1
0.0
0.0
0.0
0.0
0.0
15.4
0.0
0.9
10.8
0.0
0.0
5.5
0.0
5.3
2.6
7.0
1.7
8.4
0.0
4.4
0.0
3.7
3.2
3.9
4.3
4.4
–
2.4
3.6
3.5
5.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12.6
4.9
3.7
4.7
5.0
–
–
0.0
0.0
6.9
13.9
6.0
4.8
8.8
4.1
0.0
0.0
5.2
4.5
–
9.1
–
6.1
0.0
0.0
15.5
5.0
0.0
0.0
6.2
12.6
4.9
3.7
4.7
5.0
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.3
3.1
0.0
–
0.0
0.0
0.0
0.0
0.0
2.0
1.3
0.0
2.3
3.1
–
–
–
–
Union .......................................................................
Nonunion .................................................................
4.9
2.2
2.4
3.5
4.5
0.0
10.6
0.0
20.4
0.0
4.4
1.3
4.8
2.2
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.0
6.0
3.9
2.7
2.9
4.4
–
4.3
–
0.0
0.0
4.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.2
7.1
4.8
0.0
0.0
2.9
7.9
0.0
0.0
1.6
4.9
5.6
4.0
6.0
3.9
2.7
2.9
4.3
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.3
–
4.0
0.0
–
0.0
–
–
–
0.0
–
0.0
14.7
–
19.0
0.0
–
1.8
3.3
8.7
4.0
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.6
2.5
5.2
3.4
7.7
8.7
5.6
3.2
2.6
3.0
5.3
6.8
8.4
6.6
3.6
4.4
7.2
5.1
–
–
–
5.8
0.0
–
8.0
4.1
14.4
5.7
0.0
0.0
–
0.0
–
–
0.0
0.0
0.0
0.0
3.2
6.9
6.3
0.0
0.0
0.0
0.0
0.0
8.9
14.9
–
0.0
–
0.0
0.0
–
0.0
0.0
9.0
0.0
0.0
0.0
0.0
0.0
12.6
12.2
7.1
12.9
2.6
7.6
0.0
0.0
1.6
0.0
6.6
13.3
0.0
0.0
0.0
11.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.7
0.0
7.2
1.3
7.6
2.8
7.6
1.3
2.0
2.4
0.0
13.8
0.0
0.0
14.7
0.0
0.0
2.5
2.4
5.2
3.4
7.7
8.2
–
3.5
3.2
3.2
6.6
6.8
8.4
6.6
3.6
4.4
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2013—continued
Percent of earnings, up to Internal Revenue Code limit
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
3.0
3.5
5.0
2.5
2.6
4.5
2.4
0.9
6.3
2.0
6.1
0.0
0.0
0.0
11.9
0.0
0.0
11.0
5.6
6.8
–
0.0
0.0
0.0
3.4
2.7
12.7
0.0
3.0
0.0
0.0
0.0
0.0
4.7
3.5
6.8
3.0
3.5
4.9
2.5
2.6
4.5
–
–
–
–
–
–
–
–
–
–
–
–
4.6
7.8
5.7
8.8
2.9
5.1
9.4
2.7
4.5
6.0
7.3
0.0
7.1
6.9
6.1
–
–
7.6
–
–
3.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
17.7
0.0
15.2
0.0
0.0
0.0
–
–
0.0
8.7
12.1
6.3
0.0
–
0.0
0.0
0.0
1.6
5.7
4.9
0.0
14.9
6.1
7.8
4.6
7.8
5.8
8.4
2.6
5.1
9.2
2.8
4.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 12. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
100
64
3
4
5
6
6
36
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
66
66
66
64
47
67
67
66
68
3
3
3
3
3
3
4
3
–
4
4
4
4
–
4
4
4
4
5
5
5
5
5
5
6
5
6
6
6
6
6
6
6
6
6
6
6
7
6
6
6
6
6
6
6
34
34
34
36
53
33
33
34
32
–
–
–
–
–
–
–
–
–
100
100
100
100
100
70
67
54
56
52
3
4
–
4
3
–
4
5
5
4
4
6
6
6
5
–
6
6
6
6
6
6
7
8
6
30
33
46
44
48
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
63
74
3
3
4
4
5
5
6
6
6
6
37
26
–
–
Union .......................................................................
Nonunion .................................................................
100
100
69
64
3
3
5
4
6
5
6
6
6
6
31
36
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
69
71
63
63
65
60
3
–
3
3
3
3
4
4
4
4
4
4
5
4
5
5
6
5
6
6
6
6
6
6
6
6
6
6
6
7
31
29
37
37
35
40
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
52
54
51
4
2
4
4
4
5
6
4
6
6
5
6
8
–
8
48
46
49
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
67
66
61
71
61
62
88
70
70
74
60
53
55
75
62
62
77
3
4
–
4
3
–
4
3
4
4
3
–
3
3
2
–
3
4
4
4
4
5
6
4
4
5
5
5
4
4
4
–
4
4
5
6
6
6
6
6
6
5
6
6
6
5
5
5
4
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
5
5
6
6
6
6
6
6
8
–
6
6
6
–
6
7
6
5
–
6
33
34
39
29
39
38
12
30
30
26
40
47
45
25
38
38
23
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 12. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
100
100
100
100
100
100
70
69
72
61
59
64
3
3
–
3
4
3
4
4
3
4
5
4
5
5
4
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
30
31
28
39
41
36
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
60
72
66
73
68
64
64
54
55
4
–
3
3
–
3
4
–
3
5
4
4
4
4
4
4
4
4
6
5
5
6
6
5
6
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
8
40
28
34
27
32
36
36
46
45
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 12. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2013
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ...............................................................
1.6
0.0
0.0
0.5
0.0
0.0
1.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.6
3.3
3.6
4.2
12.8
2.5
4.0
3.6
3.5
0.0
0.2
0.8
0.0
0.0
0.0
0.3
0.0
–
0.0
0.0
0.0
0.0
–
0.0
0.3
0.5
0.0
0.0
1.0
0.0
1.2
1.1
0.9
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
3.3
3.6
4.2
12.8
2.5
4.0
3.6
3.5
–
–
–
–
–
–
–
–
–
8.7
4.2
3.0
3.8
5.0
0.5
0.0
–
0.0
0.0
–
0.1
1.3
0.0
0.1
0.0
0.0
0.0
0.0
0.1
–
0.0
0.0
0.0
0.0
0.0
0.0
1.8
0.0
0.0
8.7
4.2
3.0
3.8
5.0
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.6
2.9
0.0
0.0
0.0
0.0
0.8
0.1
0.0
0.0
0.0
0.0
1.6
2.9
–
–
Union .......................................................................
Nonunion .................................................................
5.2
1.6
0.7
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.7
0.0
5.2
1.6
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.5
5.4
2.5
1.8
2.7
4.2
0.0
–
0.0
0.0
0.0
0.4
0.0
1.1
0.0
0.0
0.0
0.0
1.2
0.9
0.2
0.5
1.2
0.3
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
1.4
4.5
5.4
2.5
1.8
2.7
4.2
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
5.9
3.1
0.8
0.5
0.2
0.0
1.2
0.3
0.4
0.0
0.0
0.0
0.8
0.0
0.0
–
0.0
2.6
5.9
3.1
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.8
2.2
4.8
3.4
8.7
7.0
3.4
2.4
2.5
2.4
6.3
5.6
7.9
4.0
6.9
5.2
4.4
0.0
1.0
–
0.0
0.4
–
0.0
0.3
0.2
0.0
0.0
–
0.0
0.0
0.0
–
0.0
0.0
0.9
0.6
0.6
0.3
0.9
0.5
0.0
0.3
0.4
1.4
0.4
0.7
0.9
–
0.0
0.4
0.2
0.0
0.0
0.8
0.7
0.0
0.0
0.6
0.0
0.1
0.0
0.0
0.5
0.8
1.0
0.3
0.7
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
1.4
–
0.0
0.0
0.0
–
0.0
1.4
0.0
1.2
–
0.0
1.8
2.2
4.8
3.4
8.7
7.0
3.4
2.4
2.5
2.4
6.3
5.6
7.9
4.0
6.9
5.2
4.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 12. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2013—continued
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
2.2
2.8
4.6
2.4
2.8
3.3
0.0
0.0
–
0.4
0.0
0.5
0.3
0.0
0.8
0.1
0.7
0.0
0.8
0.4
1.0
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
2.8
4.6
2.4
2.8
3.3
–
–
–
–
–
–
6.7
2.3
2.2
5.7
4.4
4.4
7.2
2.7
5.7
0.0
–
0.0
0.0
–
0.0
0.9
–
0.6
0.0
0.9
0.0
0.0
0.2
0.0
0.4
0.0
0.0
1.2
0.0
0.7
1.3
0.0
1.0
0.0
0.3
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
2.4
6.7
2.3
2.2
5.7
4.4
4.4
7.2
2.7
5.7
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by
the employer, varying contributions by the employer based on employee contributions or
service, and other matching methods.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 13. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2013
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ...............................................................
100
64
50
50
100
100
100
36
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
66
66
66
64
47
67
67
66
68
50
–
50
–
50
50
50
50
30
50
50
50
50
–
50
50
50
50
100
100
100
–
100
100
100
100
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
34
34
34
36
53
33
33
34
32
–
–
–
–
–
–
–
–
–
100
100
100
100
100
70
67
54
56
52
50
25
35
–
–
50
50
50
50
50
–
–
–
50
100
100
100
100
100
100
100
100
100
100
100
30
33
46
44
48
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
63
74
50
50
50
50
100
100
100
100
100
100
37
26
–
–
Union .......................................................................
Nonunion .................................................................
100
100
69
64
–
50
50
50
80
100
100
100
100
100
31
36
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
69
71
63
63
65
60
–
25
50
–
50
50
50
50
50
50
50
50
100
–
100
100
80
100
100
100
100
100
100
100
100
100
100
100
100
100
31
29
37
37
35
40
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
52
54
51
40
40
–
50
50
50
60
50
75
100
–
100
100
100
100
48
46
49
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
67
66
61
71
61
62
88
70
70
74
60
53
55
75
62
62
77
50
50
50
50
30
50
50
50
50
50
50
25
25
–
50
50
–
50
50
50
–
50
50
–
–
–
100
50
50
50
50
–
–
50
100
100
100
100
100
70
80
100
100
100
100
–
–
50
100
100
50
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
33
34
39
29
39
38
12
30
30
26
40
47
45
25
38
38
23
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 13. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
100
100
100
100
100
100
70
69
72
61
59
64
50
50
–
–
50
–
50
50
50
50
50
50
100
100
–
100
100
–
100
100
100
100
100
100
100
100
100
100
100
100
30
31
28
39
41
36
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
60
72
66
73
68
64
64
54
55
25
–
50
–
–
50
25
50
50
50
50
50
50
50
50
50
–
50
100
82
100
–
100
100
80
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
40
28
34
27
32
36
36
46
45
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 13. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2013
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ...............................................................
1.6
10.7
0.0
4.6
0.0
0.0
1.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.6
3.3
3.6
4.2
12.8
2.5
4.0
3.6
3.5
8.5
–
0.0
–
6.1
0.0
0.0
0.0
8.4
0.0
0.0
0.0
0.0
–
0.0
9.8
0.0
0.0
5.4
5.2
11.3
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.6
3.3
3.6
4.2
12.8
2.5
4.0
3.6
3.5
–
–
–
–
–
–
–
–
–
8.7
4.2
3.0
3.8
5.0
10.9
6.6
9.2
–
–
0.0
3.2
0.0
0.0
1.8
–
–
–
0.0
0.0
0.0
6.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.7
4.2
3.0
3.8
5.0
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.6
2.9
14.5
0.0
0.0
0.0
10.3
0.0
0.0
0.0
0.0
0.0
1.6
2.9
–
–
Union .......................................................................
Nonunion .................................................................
5.2
1.6
–
7.3
0.0
0.0
8.9
0.0
2.7
0.0
0.0
0.0
5.2
1.6
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.5
5.4
2.5
1.8
2.7
4.2
–
6.8
6.9
–
7.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
11.4
11.9
8.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.5
5.4
2.5
1.8
2.7
4.2
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
5.9
3.1
6.6
0.0
–
0.0
2.6
0.0
12.7
0.0
21.7
0.0
–
0.0
0.0
0.0
0.0
2.6
5.9
3.1
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.8
2.2
4.8
3.4
8.7
7.0
3.4
2.4
2.5
2.4
6.3
5.6
7.9
4.0
6.9
5.2
4.4
7.0
6.7
0.0
10.2
4.5
0.0
0.0
0.0
0.0
0.0
0.0
3.9
2.7
–
0.0
0.0
–
0.0
0.0
0.0
–
14.7
5.2
–
–
–
0.0
0.0
1.8
5.2
0.0
–
–
0.0
0.0
0.0
21.5
0.0
0.0
19.2
1.2
0.0
0.0
0.0
0.0
–
–
7.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8
2.2
4.8
3.4
8.7
7.0
3.4
2.4
2.5
2.4
6.3
5.6
7.9
4.0
6.9
5.2
4.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 13. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2013—continued
Specified matching percent
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
2.2
2.8
4.6
2.4
2.8
3.3
10.8
0.0
–
–
10.4
–
0.0
0.0
0.0
0.0
0.0
0.0
4.6
0.0
–
17.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
2.8
4.6
2.4
2.8
3.3
–
–
–
–
–
–
6.7
2.3
2.2
5.7
4.4
4.4
7.2
2.7
5.7
7.4
–
0.0
–
–
0.0
5.0
0.0
0.0
7.2
0.0
0.0
0.0
9.3
0.0
0.0
–
0.0
29.0
23.3
27.2
–
0.0
26.1
23.5
0.0
21.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.7
2.3
2.2
5.7
4.4
4.4
7.2
2.7
5.7
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by
the employer, varying contributions by the employer based on employee contributions or
service, and other matching methods.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 14. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2013
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
1.5
2.5
3.6
5.0
6.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
1.5
2.0
–
–
1.5
–
1.5
–
2.5
2.5
2.5
2.0
3.0
3.0
3.0
–
2.0
3.5
4.0
3.0
3.0
4.0
4.0
–
4.0
3.0
5.0
5.0
4.8
4.0
6.0
6.0
6.0
5.0
4.5
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
–
2.0
2.0
1.8
–
2.0
3.0
2.5
3.0
3.0
3.0
3.0
3.0
4.0
–
4.8
5.0
5.0
5.0
4.0
6.0
6.0
6.0
6.0
Full time ...................................................................
Part time ..................................................................
1.5
1.5
2.5
3.0
3.6
4.0
5.0
5.0
6.0
6.0
Union .......................................................................
Nonunion .................................................................
1.8
1.5
3.0
2.5
3.0
3.6
4.9
5.0
5.1
6.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.5
–
1.5
1.8
1.8
2.0
2.5
–
3.0
2.5
2.5
3.0
4.0
–
4.0
3.0
3.6
4.0
6.0
4.0
6.0
5.0
5.0
5.0
6.0
5.0
6.0
6.0
6.0
6.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
1.0
2.0
2.5
2.0
3.0
3.6
–
3.6
5.0
–
6.0
6.0
5.0
6.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.5
2.0
3.0
–
1.5
3.0
2.5
2.5
3.0
3.0
3.0
–
1.5
1.5
2.0
2.0
1.5
2.5
3.0
3.0
–
–
3.0
–
3.0
3.0
4.0
3.0
–
2.0
2.0
2.0
3.0
2.0
3.8
4.0
–
5.0
–
4.0
4.5
4.0
5.0
5.0
4.0
3.0
3.0
3.0
3.0
4.0
3.0
5.0
6.0
5.5
6.0
5.5
5.1
4.8
6.0
6.0
6.0
6.0
5.0
4.0
4.0
5.0
5.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
4.9
6.0
6.0
6.0
6.0
6.0
6.0
5.0
5.0
–
5.0
Establishment characteristic
See footnotes at end of table.
Table 14. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2013—continued
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
1.5
–
–
1.8
2.0
1.5
2.0
3.0
2.0
3.0
3.0
2.1
3.0
4.0
3.0
4.0
4.5
3.0
5.0
5.0
4.0
5.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
1.5
–
1.5
1.5
–
1.5
1.5
2.0
–
–
2.0
–
–
3.0
2.5
2.5
3.0
3.0
4.0
3.0
3.8
3.0
4.0
–
4.0
4.0
3.6
5.0
4.8
5.0
5.0
6.0
5.0
6.0
6.0
4.8
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by
the employer matching percent, for those plans that specify both
values.
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 data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 14. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2013
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
0.1
0.5
0.6
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
0.4
0.4
–
–
0.0
–
0.0
–
0.4
0.6
0.5
0.6
0.3
0.4
0.2
–
0.5
0.9
0.7
0.5
0.0
1.2
0.0
–
0.7
0.0
0.1
1.0
0.7
0.9
0.7
0.1
0.0
0.0
0.7
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
1.2
–
–
0.2
0.1
0.3
–
0.4
0.5
0.5
0.1
0.0
0.3
0.6
0.0
0.3
–
0.1
0.4
1.0
0.3
0.5
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
0.1
0.0
0.4
0.3
0.8
0.0
0.0
0.5
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.2
0.0
0.0
0.4
0.8
0.7
0.1
0.0
0.9
0.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.1
–
0.0
0.4
0.5
0.0
0.7
–
0.8
0.6
0.5
0.5
0.3
–
0.5
0.3
0.8
0.2
0.8
0.0
1.3
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(3)
0.0
0.0
0.3
0.3
0.5
0.5
–
0.5
0.6
–
0.9
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.0
0.3
0.4
–
0.3
0.0
0.7
0.7
0.6
0.0
0.0
–
0.0
0.0
0.0
0.3
0.0
0.6
0.0
0.0
–
–
0.4
–
0.0
0.0
0.4
0.0
–
0.5
0.0
0.4
0.7
0.2
0.8
0.4
–
0.0
–
0.5
0.2
1.1
0.2
0.0
0.8
0.2
0.4
0.0
0.3
0.9
0.0
0.0
0.0
1.5
0.0
0.7
1.1
0.0
0.0
0.0
0.0
0.0
0.8
0.8
0.7
0.9
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
1.7
1.1
0.0
–
1.4
Establishment characteristic
See footnotes at end of table.
Table 14. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2013—continued
Maximum potential employer contribution
Characteristics
10th
percentile
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.0
–
–
0.4
0.1
0.0
0.6
0.3
0.4
0.2
0.0
0.6
0.3
0.5
0.0
0.2
0.7
0.0
0.4
0.1
0.5
0.5
0.0
0.2
0.0
0.0
0.2
0.0
0.0
0.0
0.3
–
0.0
0.0
–
0.3
0.0
0.3
–
–
0.0
–
–
0.3
0.6
0.6
0.4
0.0
0.7
0.0
1.1
0.6
0.0
–
0.3
0.0
0.6
0.0
0.7
0.0
0.0
0.7
0.8
0.4
0.0
0.4
0.3
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by
the employer matching percent, for those plans that specify both
values.
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 data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 15. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristic
All workers ...............................................................
100
82
2
5
67
7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
79
81
78
79
83
85
82
83
80
84
87
80
2
3
–
–
3
–
–
–
–
–
–
–
6
5
7
4
4
4
4
–
8
5
6
–
59
70
53
62
73
74
72
70
68
75
80
69
12
3
17
12
4
–
5
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
81
87
2
–
5
–
68
58
6
21
–
–
Union .......................................................................
Nonunion .................................................................
100
100
77
82
–
2
–
5
63
68
4
7
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
84
82
81
81
80
–
–
1
3
3
–
5
5
7
5
72
68
69
63
64
5
–
6
8
7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
87
84
87
–
–
–
8
–
6
76
62
79
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
80
83
79
85
77
83
86
2
4
–
–
–
–
4
4
5
6
–
10
5
6
65
72
69
76
64
75
76
8
2
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ...............................................................
18
15
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
21
19
22
21
17
15
18
17
20
16
13
20
17
14
18
18
13
12
14
12
14
13
10
15
4
5
4
–
3
–
4
5
6
3
3
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
19
13
15
12
4
–
–
–
Union .......................................................................
Nonunion .................................................................
23
18
17
14
5
4
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
16
18
19
19
20
14
15
15
15
17
–
3
4
5
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
13
16
13
10
13
10
3
–
3
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
20
17
21
15
23
17
14
16
14
14
12
16
13
10
4
3
–
–
–
3
4
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
85
87
81
76
72
79
77
–
2
3
–
–
–
–
–
–
–
5
–
–
5
79
74
71
45
59
61
43
–
–
–
25
5
7
28
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
79
79
78
84
85
82
2
3
–
2
2
–
5
4
7
5
5
6
66
67
66
68
72
63
5
–
–
8
5
12
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
74
74
87
–
94
84
93
81
64
–
–
–
–
4
–
–
–
–
–
9
5
–
5
3
–
6
4
62
55
73
77
77
75
72
67
52
–
7
–
–
7
6
–
5
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 15. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
15
13
19
24
28
21
23
11
11
13
20
21
14
20
–
–
6
4
7
7
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
21
21
22
16
15
18
17
17
17
13
12
14
4
4
–
3
3
4
–
–
–
–
–
–
26
26
13
–
6
16
7
19
36
24
19
8
6
5
14
5
15
30
–
7
4
–
–
2
–
–
6
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 This type of plan obligates employees to use only the
plan’s providers in order to receive coverage.
2 This type of plan provides coverage through a
network of participating health care providers. Enrollees
may receive services outside the network, but generally at
a higher cost. The additional costs may be in the form of
higher deductibles, higher coinsurance rates, or both, or in
the form of nondiscounted charges from providers.
3 This type of plan provides services through a
network of participating health care providers. Services
received within the network or through select medical
facilities generally provide more generous benefits than
services received outside the network.
4 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 15. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2013
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristic
All workers ...............................................................
1.0
0.3
0.5
1.1
0.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.1
2.4
3.3
1.1
2.4
1.5
2.1
2.9
1.5
1.8
3.3
0.4
0.4
–
–
0.6
–
–
–
–
–
–
–
0.7
1.0
0.9
0.9
0.5
0.9
0.5
–
1.9
1.1
1.6
–
1.8
2.5
2.2
3.4
1.3
3.0
1.7
3.5
3.1
1.7
2.3
3.8
1.8
0.6
2.5
2.6
0.7
–
0.8
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
2.4
0.3
–
0.5
–
1.1
4.9
0.7
6.1
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.1
–
0.3
–
0.4
3.6
1.2
1.1
0.9
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.4
1.9
1.1
2.2
3.8
–
–
0.3
0.6
0.9
–
0.8
0.7
1.0
1.2
2.4
2.3
1.4
2.3
3.6
1.4
–
0.8
1.4
1.7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.2
2.8
1.6
–
–
–
1.5
–
1.2
2.0
4.5
1.9
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
1.6
2.0
1.9
4.0
2.0
1.3
0.4
1.0
–
–
–
–
1.0
0.4
1.0
1.3
–
2.1
1.1
1.3
1.3
2.0
2.4
2.6
3.8
2.4
2.5
1.0
0.6
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private
industry workers, National Compensation Survey, 2013—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ...............................................................
1.0
0.9
0.4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.1
2.4
3.3
1.1
2.4
1.5
2.1
2.9
1.5
1.8
3.3
1.6
1.7
2.2
3.0
1.2
2.1
1.4
1.8
2.6
1.3
1.6
3.0
0.7
1.4
0.9
–
0.5
–
0.6
1.4
1.7
1.0
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
2.4
1.0
2.2
0.4
–
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.1
3.6
1.0
1.0
0.4
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.4
1.9
1.1
2.2
3.8
2.2
2.0
1.2
1.8
3.4
–
0.9
0.7
0.8
0.7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.2
2.8
1.6
1.1
2.7
1.3
0.7
–
0.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
1.6
2.0
1.9
4.0
2.0
1.3
1.1
1.6
2.1
1.9
2.9
1.8
0.9
0.4
0.6
–
–
–
0.8
1.0
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.6
2.4
3.2
3.2
4.8
3.2
3.6
–
0.6
0.9
–
–
–
–
–
–
–
1.0
–
–
1.2
1.9
4.4
3.2
2.8
4.6
4.6
3.1
–
–
–
3.4
1.3
1.8
4.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.0
2.1
4.0
1.3
2.1
1.6
0.4
0.6
–
0.5
0.7
–
0.7
0.7
1.7
0.7
1.0
1.0
2.0
2.1
4.1
1.5
2.3
2.3
1.4
–
–
1.1
1.0
1.8
–
–
–
–
–
–
6.2
4.5
1.6
–
1.5
3.1
0.6
1.5
2.2
–
–
–
–
1.2
–
–
–
–
–
2.1
0.8
–
0.9
0.8
–
0.6
1.0
6.9
4.2
2.8
5.4
2.1
2.7
4.6
2.8
2.2
–
0.9
–
–
1.7
0.8
–
1.3
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 15. Standard errors for medical care benefits: Plan type, private
industry workers, National Compensation Survey, 2013—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.6
2.4
3.2
3.2
4.8
3.2
3.6
1.5
2.4
2.7
3.0
4.9
3.0
3.4
–
–
1.7
1.0
1.9
1.5
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.0
2.1
4.0
1.3
2.1
1.6
1.8
1.9
3.7
1.2
2.1
1.6
0.7
0.7
–
0.6
0.7
0.9
–
–
–
–
–
–
6.2
4.5
1.6
–
1.5
3.1
0.6
1.5
2.2
6.2
4.4
1.4
1.5
1.0
3.2
1.2
1.9
1.9
–
1.3
1.0
–
–
0.4
–
–
1.5
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 This type of plan obligates employees to use only the
plan’s providers in order to receive coverage.
2 This type of plan provides coverage through a
network of participating health care providers. Enrollees
may receive services outside the network, but generally at
a higher cost. The additional costs may be in the form of
higher deductibles, higher coinsurance rates, or both, or in
the form of nondiscounted charges from providers.
3 This type of plan provides services through a
network of participating health care providers. Services
received within the network or through select medical
facilities generally provide more generous benefits than
services received outside the network.
4 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Table 16. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
98
2
–
78
22
–
25
74
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
98
97
99
98
97
96
98
99
99
97
99
95
2
3
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
75
78
74
76
81
80
81
77
78
79
83
75
25
22
26
24
19
20
19
23
22
21
17
25
–
–
–
–
–
–
–
–
–
–
–
–
29
24
32
27
21
16
24
25
25
22
15
29
70
75
67
73
78
83
75
75
74
78
84
70
1
1
2
(1)
1
1
1
1
1
(1)
(1)
(1)
Full time ...................................................................
Part time ..................................................................
98
96
2
–
–
–
78
81
22
19
–
–
25
20
74
80
1
(1)
Union .......................................................................
Nonunion .................................................................
96
98
–
2
–
–
72
79
28
21
–
–
26
25
73
75
1
1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
97
98
99
97
97
–
–
1
3
3
–
–
–
–
–
79
79
79
76
75
21
21
21
24
25
–
–
–
–
–
21
22
26
27
28
78
78
73
72
72
1
1
1
1
1
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
97
99
–
–
–
–
–
–
80
68
83
20
32
17
–
–
–
18
30
15
81
70
84
1
(1)
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
98
96
98
97
99
97
96
2
4
–
–
–
–
4
–
–
–
–
–
–
–
77
78
79
81
74
79
80
23
22
21
19
26
21
20
–
–
–
–
–
–
–
27
21
27
16
35
23
19
72
78
73
83
65
77
81
1
1
( )
2
–
1
1
Establishment characteristic
See footnotes at end of table.
1
Table 16. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
98
98
97
99
99
99
99
–
2
3
–
–
–
–
–
–
–
–
–
–
–
84
76
81
73
70
75
74
16
24
19
27
30
25
26
–
–
–
–
–
–
–
17
22
24
33
35
28
33
83
76
75
65
61
67
66
–
2
1
1
4
5
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
98
97
99
98
98
98
2
3
–
2
2
–
–
–
–
–
–
–
76
76
75
79
81
78
24
24
25
21
19
22
–
–
–
–
–
–
27
26
28
23
21
26
72
72
72
76
79
73
1
1
( )
1
(1)
1
99
97
99
96
96
99
98
98
98
–
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
70
69
86
84
85
82
86
77
63
30
31
14
16
15
18
14
23
37
–
–
–
–
–
–
–
–
–
21
39
23
13
15
20
18
22
36
79
60
76
87
85
78
82
78
62
(1)
1
(1)
–
1
2
(1)
–
2
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 16. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2013
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
0.3
0.3
–
1.0
1.0
–
1.2
1.2
0.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.4
0.4
0.5
1.2
0.6
1.3
0.6
0.6
0.4
1.1
0.4
2.2
0.4
0.4
–
–
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
1.8
2.5
3.1
1.3
2.5
1.5
3.6
2.9
1.6
2.2
3.5
1.8
1.8
2.5
3.1
1.3
2.5
1.5
3.6
2.9
1.6
2.2
3.5
–
–
–
–
–
–
–
–
–
–
–
–
2.5
2.2
3.4
2.8
1.4
2.0
2.1
3.0
3.1
1.6
2.1
3.6
2.5
2.3
3.5
2.8
1.4
2.0
2.0
2.9
3.0
1.5
2.1
3.6
0.5
0.3
0.8
0.1
0.2
0.4
0.3
0.4
0.6
0.2
0.2
0.4
Full time ...................................................................
Part time ..................................................................
0.3
1.6
0.3
–
–
–
1.0
3.1
1.0
3.1
–
–
1.2
3.0
1.2
3.0
0.2
0.2
Union .......................................................................
Nonunion .................................................................
1.6
0.3
–
0.3
–
–
3.8
1.1
3.8
1.1
–
–
3.9
1.1
3.7
1.2
0.6
0.2
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.5
0.7
0.3
0.6
0.9
–
–
0.3
0.6
0.9
–
–
–
–
–
2.5
2.0
1.2
2.0
3.3
2.5
2.0
1.2
2.0
3.3
–
–
–
–
–
2.5
1.9
1.7
2.1
3.5
2.4
1.9
1.7
2.1
3.5
0.4
0.2
0.4
0.3
0.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.5
1.5
0.5
–
–
–
–
–
–
1.7
5.1
1.7
1.7
5.1
1.7
–
–
–
1.8
3.7
1.9
1.7
3.7
1.8
0.3
0.1
0.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
1.0
0.8
1.3
0.6
0.9
1.0
0.4
1.0
–
–
–
–
1.0
–
–
–
–
–
–
–
1.2
2.0
2.1
2.6
3.6
1.9
2.0
1.2
2.0
2.1
2.6
3.6
1.9
2.0
–
–
–
–
–
–
–
1.4
1.8
2.7
2.0
4.3
2.2
1.8
1.4
1.8
2.7
2.0
4.3
2.2
1.9
0.2
0.4
0.1
0.8
–
0.5
0.7
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2013—continued
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.5
0.6
0.9
0.4
0.4
0.6
0.4
–
0.6
0.9
–
–
–
–
–
–
–
–
–
–
–
2.1
4.3
3.2
3.2
4.8
4.4
3.7
2.1
4.3
3.2
3.2
4.8
4.4
3.7
–
–
–
–
–
–
–
2.4
3.5
2.8
4.2
3.7
3.9
4.9
2.4
3.7
3.3
4.2
4.7
4.5
4.9
–
1.8
1.0
0.4
2.5
2.8
0.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.4
0.6
0.3
0.5
0.7
0.7
0.4
0.6
–
0.5
0.7
–
–
–
–
–
–
–
1.7
2.1
3.8
1.5
2.3
1.8
1.7
2.1
3.8
1.5
2.3
1.8
–
–
–
–
–
–
1.9
2.2
4.1
1.5
2.3
2.1
1.9
2.2
4.1
1.5
2.3
2.1
0.4
0.5
0.1
0.2
0.2
0.3
0.6
1.0
0.7
3.5
1.2
0.3
1.5
0.7
0.9
–
–
–
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
6.9
4.1
1.5
4.2
1.2
3.2
3.3
2.0
2.1
6.9
4.1
1.5
4.2
1.2
3.2
3.3
2.0
2.1
–
–
–
–
–
–
–
–
–
3.6
3.4
2.8
3.4
1.2
3.3
1.9
2.8
2.2
3.7
3.3
2.7
3.4
1.0
3.1
1.9
2.8
2.7
0.1
0.6
0.2
–
0.4
0.4
0.1
–
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 17. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristics
Total
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Worker characteristic
All workers ...............................................................
100
62
27
5
20
9
1
2
24
14
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
57
50
62
74
64
75
59
66
61
62
–
69
36
31
39
23
25
20
28
22
22
18
–
16
4
6
3
–
5
–
5
5
5
7
–
–
15
10
17
27
21
26
19
24
23
24
–
26
2
2
–
14
12
24
7
12
8
13
–
20
1
(1)
–
–
1
–
(1)
1
2
(1)
–
–
1
1
1
3
3
3
2
3
3
3
–
3
31
40
26
11
23
13
27
18
21
20
–
18
12
11
12
15
13
12
14
16
18
18
–
12
Full time ...................................................................
Part time ..................................................................
100
100
61
81
27
27
5
–
21
15
7
34
1
–
2
3
25
9
14
10
Union .......................................................................
Nonunion .................................................................
100
100
63
62
14
29
5
5
21
20
23
7
1
1
3
2
24
24
13
14
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
74
70
59
56
53
13
29
26
31
32
–
5
5
5
4
29
24
21
14
–
23
12
7
5
–
–
(1)
1
1
1
3
3
2
1
1
11
15
25
33
36
15
15
16
11
12
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
–
70
52
–
17
24
–
10
7
–
26
15
–
–
–
–
–
–
–
3
–
–
14
29
–
16
19
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
65
69
66
77
49
57
51
29
13
21
9
23
39
42
5
4
–
–
–
–
2
21
29
31
32
17
11
6
9
22
–
33
–
–
–
1
1
1
–
1
2
–
2
3
3
3
–
1
1
23
17
21
7
40
30
34
12
14
13
16
11
14
15
Establishment characteristic
See footnotes at end of table.
Table 17. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristics
Total
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
59
43
62
65
46
33
68
49
36
40
40
36
26
40
–
–
–
4
–
–
4
–
–
11
20
–
–
22
–
–
–
–
–
–
–
1
–
1
–
–
–
–
1
1
1
1
1
1
1
25
43
32
19
42
49
15
17
14
7
16
12
18
17
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
66
66
67
60
65
53
30
30
28
25
23
27
6
6
–
5
5
5
22
21
23
19
23
15
8
7
9
10
13
7
1
2
–
(1)
(1)
(1)
2
–
–
–
3
–
18
16
21
28
22
36
16
18
12
12
13
11
100
100
100
100
100
100
100
100
100
–
60
64
61
67
67
65
66
56
–
21
21
25
26
37
40
27
24
–
3
–
–
–
6
–
–
–
–
25
25
25
23
16
14
25
14
–
11
9
10
–
–
8
9
11
–
(1)
–
–
1
–
–
–
–
–
3
3
3
–
1
1
–
–
–
26
23
26
22
21
20
19
28
–
13
12
13
11
13
16
15
16
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 17. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey,
2013
Service requirement
Characteristics
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Worker characteristic
All workers ...............................................................
1.4
1.4
0.7
1.2
0.9
0.2
0.0
1.3
1.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
3.2
2.6
3.4
1.9
2.6
2.5
3.5
3.3
3.2
–
4.2
2.7
3.4
3.6
3.4
1.8
4.2
2.0
3.4
3.4
1.8
–
2.3
0.7
1.5
0.6
–
1.0
–
1.0
1.2
1.2
1.5
–
–
2.5
1.5
3.8
3.3
1.4
2.2
1.8
3.7
4.1
2.7
–
3.7
0.5
0.5
–
3.3
1.3
2.5
1.0
3.0
2.1
2.3
–
4.0
0.3
0.2
–
–
0.3
–
0.3
0.7
1.3
0.2
–
–
0.0
0.0
0.0
0.0
0.2
0.0
0.3
0.2
0.7
0.0
–
0.0
2.2
3.4
2.4
2.1
2.2
2.2
2.9
2.3
2.5
2.2
–
3.4
1.3
1.4
1.7
2.8
1.4
1.6
2.1
3.0
3.3
2.0
–
2.7
Full time ...................................................................
Part time ..................................................................
1.4
3.1
1.4
5.8
0.7
–
1.2
3.0
0.7
5.4
0.1
–
0.0
0.3
1.3
1.9
1.0
2.8
Union .......................................................................
Nonunion .................................................................
3.6
1.5
1.7
1.5
1.3
0.8
4.6
1.3
4.3
0.8
0.4
0.2
0.0
0.0
2.8
1.4
2.4
1.2
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.5
2.4
2.1
2.5
4.2
2.4
2.8
1.9
2.4
4.2
–
0.8
0.9
0.8
1.1
3.2
2.0
1.6
2.1
–
4.2
1.4
0.9
1.3
–
–
0.2
0.3
0.3
0.5
0.0
0.7
0.4
0.0
0.0
2.3
2.5
1.7
2.2
3.7
2.8
1.8
1.3
1.2
1.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
5.4
4.4
–
4.0
2.9
–
2.2
1.7
–
4.9
2.3
–
–
–
–
–
–
–
0.0
–
–
4.1
2.9
–
2.7
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
2.3
3.3
2.9
6.2
3.4
3.2
1.6
1.2
2.6
2.5
3.2
3.1
3.1
0.8
0.7
–
–
–
–
0.6
1.5
2.5
4.8
2.7
4.0
2.1
1.2
1.0
2.1
–
3.1
–
–
–
0.2
0.3
0.8
–
0.5
1.1
–
0.4
0.0
0.0
0.0
–
0.0
0.0
1.5
1.6
2.9
1.9
6.0
3.0
3.0
1.1
1.3
2.8
2.2
1.9
1.8
1.9
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey,
2013—continued
Service requirement
Characteristics
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
4.4
4.6
4.7
2.9
6.7
6.3
3.1
3.8
4.6
4.6
4.4
5.4
4.9
5.2
–
–
–
0.9
–
–
1.0
–
–
2.6
4.0
–
–
4.5
–
–
–
–
–
–
–
0.7
–
0.8
–
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
5.1
4.5
3.3
5.0
5.5
4.1
3.9
4.7
1.8
3.1
3.5
5.7
3.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.9
2.1
4.1
2.1
2.6
2.9
2.4
2.9
4.3
1.9
2.6
2.7
1.1
1.4
–
0.7
1.0
1.0
1.7
2.0
4.0
1.6
2.4
1.6
1.2
1.7
2.3
1.0
1.6
1.6
0.3
0.5
–
0.1
0.2
0.1
0.0
–
–
–
0.0
–
1.8
1.5
4.1
1.9
2.3
2.7
1.6
1.9
2.3
1.0
1.4
1.7
–
3.6
2.4
6.3
6.0
4.5
2.4
4.8
3.7
–
2.1
2.9
3.6
4.9
4.0
4.7
6.6
3.1
–
0.5
–
–
–
1.4
–
–
–
–
4.2
3.2
2.9
4.6
3.1
3.5
4.0
1.9
–
3.0
1.2
2.6
–
–
1.9
1.3
3.0
–
0.1
–
–
1.0
–
–
–
–
–
0.0
0.5
0.0
–
0.2
0.0
–
–
–
3.1
3.6
1.6
4.4
3.1
2.0
2.9
4.4
–
1.2
2.8
4.8
2.3
2.6
2.0
4.8
2.5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 18. Medical care benefits: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
97
91
91
99
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
97
93
98
98
98
98
96
96
98
97
99
88
92
86
95
92
94
91
94
92
91
92
89
88
92
86
95
92
94
90
94
92
91
92
89
100
100
100
98
99
99
99
100
100
98
100
96
Full time ...................................................................
Part time ..................................................................
96
99
91
86
91
86
99
96
Union .......................................................................
Nonunion .................................................................
98
96
97
90
97
90
98
99
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
97
96
96
96
89
89
92
91
90
90
90
92
91
90
97
99
100
100
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
96
93
97
93
92
93
93
92
93
100
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
99
99
98
98
95
94
90
92
90
94
97
93
94
90
92
88
94
97
93
94
99
98
97
98
100
100
100
Establishment characteristic
See footnotes at end of table.
Table 18. Medical care benefits: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
92
95
98
93
93
98
94
91
97
89
87
94
99
85
91
97
89
88
94
98
87
100
100
100
99
100
100
98
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
95
99
97
96
99
89
88
92
92
90
96
89
87
92
93
90
96
99
100
99
99
99
100
90
97
98
98
99
93
96
100
99
87
96
86
93
94
86
81
99
97
87
96
87
92
94
85
81
98
97
100
99
98
100
100
100
97
100
100
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Table 18. Standard errors for medical care benefits: Coverage for selected
services,1 private industry workers, National Compensation Survey, 2013
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
0.5
0.9
0.9
0.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.3
0.8
2.1
0.9
0.5
0.6
0.5
1.0
1.4
0.6
0.9
0.6
1.9
1.1
2.8
1.6
1.2
1.7
1.6
1.1
1.8
1.2
1.4
2.5
1.9
1.1
2.8
1.5
1.2
1.7
1.7
1.1
1.8
1.1
1.4
2.2
0.1
(2)
0.1
0.6
0.4
0.7
0.3
0.1
(2)
0.8
(2)
1.6
Full time ...................................................................
Part time ..................................................................
0.6
0.3
0.9
6.3
0.8
6.2
0.2
1.9
Union .......................................................................
Nonunion .................................................................
0.7
0.6
0.8
1.1
0.9
1.0
0.9
0.3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.8
1.4
1.0
1.0
1.3
2.6
1.9
1.1
1.4
2.2
2.5
1.9
1.1
1.4
2.2
1.4
0.5
0.1
0.1
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.8
2.3
0.8
1.0
2.2
1.2
1.0
2.2
1.2
(2)
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
0.5
0.8
0.8
1.6
1.0
1.2
1.2
1.3
2.3
1.2
1.8
1.1
1.1
1.1
1.3
2.1
1.2
1.8
1.1
1.1
0.3
0.7
2.0
1.2
(2)
(2)
(2)
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for medical care benefits: Coverage for selected
services,1 private industry workers, National Compensation Survey,
2013—continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.9
2.4
1.1
2.2
1.4
1.0
2.6
1.7
1.5
2.3
3.4
2.6
0.9
4.0
1.7
1.5
2.3
3.3
2.6
0.9
3.9
(2)
0.1
(2)
0.9
(2)
(2)
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
1.1
0.6
0.7
1.3
0.5
1.6
1.7
3.2
1.1
1.9
0.9
1.6
1.7
3.2
1.0
1.8
0.9
0.3
0.3
0.4
0.4
0.7
0.3
5.5
0.6
0.7
1.4
0.6
1.8
2.4
0.1
0.8
5.6
0.8
2.0
1.0
1.5
3.3
5.1
0.7
1.1
5.6
0.9
1.9
1.0
1.5
3.1
5.1
0.3
1.1
(2)
0.1
1.1
0.1
0.2
0.3
1.9
(2)
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Table 19. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
National Compensation Survey, 2013
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristics
All plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
All plans
Fee-forservice
plans
Outpatient surgery
Health
maintenance
organizations
All plans
Fee-forservice
plans
Health
maintenance
organizations
Worker characteristic
All workers ...............................................................
$250
$200
$250
$20
$25
$20
$45
$40
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
250
200
250
250
250
250
250
250
250
250
250
250
200
150
200
250
250
250
250
250
250
250
200
250
250
250
250
300
250
250
250
–
–
250
250
250
20
20
20
20
20
25
20
25
20
25
25
20
25
25
25
20
25
25
–
25
20
25
25
20
20
20
20
20
20
20
20
–
20
20
25
20
–
100
–
–
30
25
–
40
–
40
–
35
–
100
–
20
30
25
30
–
–
–
–
–
–
–
–
–
–
–
–
–
–
$25
–
30
Full time ...................................................................
Part time ..................................................................
250
250
200
–
250
500
20
20
25
20
20
25
45
75
40
–
–
–
Union .......................................................................
Nonunion .................................................................
250
250
250
200
–
–
20
25
20
25
–
20
20
50
20
45
25
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
250
250
250
250
250
250
250
200
200
–
–
250
250
250
250
25
25
25
20
20
25
25
25
20
–
–
20
20
20
20
–
–
40
–
50
–
30
40
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
250
250
250
200
–
–
250
–
250
25
25
25
25
20
25
25
25
20
–
–
–
100
75
100
–
40
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
250
250
250
250
150
250
250
200
250
250
200
150
250
250
250
–
–
500
–
250
250
20
20
–
25
–
25
25
25
20
20
25
20
25
25
20
20
25
20
15
20
20
40
40
–
–
20
50
50
35
40
–
35
20
50
50
–
–
–
–
15
–
100
Establishment characteristic
See footnotes at end of table.
Table 19. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
National Compensation Survey, 2013—continued
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristics
All plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
All plans
Fee-forservice
plans
Outpatient surgery
Health
maintenance
organizations
All plans
Fee-forservice
plans
Health
maintenance
organizations
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$250
250
–
250
250
250
250
$250
250
100
200
250
–
200
$250
250
–
–
300
300
–
$25
–
25
20
20
20
20
$25
25
25
20
20
20
20
$25
20
20
20
20
20
20
–
$50
–
–
75
–
–
–
$50
–
–
–
20
–
$100
–
–
–
100
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
250
250
250
250
250
250
200
200
–
200
200
250
250
250
250
250
–
250
25
25
25
20
20
20
25
25
25
20
25
20
–
25
20
20
20
20
–
–
–
30
–
–
50
–
–
35
30
–
–
–
–
–
–
25
250
250
250
250
200
–
–
250
250
–
250
200
250
200
–
–
250
200
–
250
250
–
–
–
250
–
250
20
20
20
25
25
20
25
25
20
20
20
–
25
25
20
25
25
25
25
20
20
20
20
20
–
20
20
100
–
–
40
40
100
100
20
–
–
–
–
40
–
100
–
20
–
–
–
–
–
–
100
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 19. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, National Compensation Survey, 2013
Hospital room and board
Characteristics
Fee-forservice
plans
All plans
Physician office visit
Health
maintenance
organizations
Fee-forservice
plans
All plans
Outpatient surgery
Health
maintenance
organizations
Fee-forservice
plans
All plans
Health
maintenance
organizations
Worker characteristic
All workers ...............................................................
$0
$29
$0
$1
$3
$0
$9
$6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
59
59
34
0
0
0
0
0
0
0
13
0
57
0
0
0
0
9
20
59
22
22
16
0
9
0
59
90
0
13
13
–
–
0
0
9
2
0
6
0
3
4
1
7
1
3
0
1
3
6
4
1
5
0
–
6
2
1
0
5
0
0
1
5
0
1
0
–
2
1
6
2
–
23
–
–
4
7
–
12
–
4
–
10
–
11
–
3
8
7
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
$7
–
6
Full time ...................................................................
Part time ..................................................................
0
52
39
–
0
55
1
6
2
6
0
6
9
22
6
–
–
–
Union .......................................................................
Nonunion .................................................................
0
0
0
0
–
–
0
2
0
0
–
0
4
13
0
10
4
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
18
0
16
0
53
67
37
47
–
–
13
0
0
0
3
6
2
0
1
1
2
0
1
–
–
0
1
0
0
–
–
5
–
14
–
6
6
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
20
71
0
21
–
–
0
–
0
6
6
3
6
5
2
6
6
4
–
–
–
0
11
0
–
0
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0
0
27
0
0
0
0
59
0
0
0
33
0
0
0
–
–
32
–
0
0
0
2
–
6
–
0
2
4
4
0
4
5
0
1
0
4
0
2
0
0
3
7
4
–
–
6
0
14
6
3
–
6
5
3
3
–
–
–
–
4
–
0
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, National Compensation Survey, 2013—continued
Hospital room and board
Characteristics
All plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
Fee-forservice
plans
All plans
Outpatient surgery
Health
maintenance
organizations
Fee-forservice
plans
All plans
Health
maintenance
organizations
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$0
0
–
29
34
71
59
$0
0
0
9
33
–
0
$0
0
–
–
16
0
–
$0
–
3
0
0
0
2
$0
6
0
4
2
0
5
$2
2
0
0
0
0
0
–
$0
–
–
8
–
–
–
$3
–
–
–
5
–
$21
–
–
–
29
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0
0
9
0
52
0
26
18
–
58
50
0
9
0
58
0
–
0
0
0
2
0
4
0
0
0
0
0
4
0
–
5
3
0
0
2
–
–
–
6
–
–
8
–
–
8
7
–
–
–
–
–
–
4
32
0
29
0
38
–
–
0
0
–
0
54
0
39
–
–
0
46
–
9
55
–
–
–
0
–
73
5
0
4
0
0
2
0
7
0
3
0
–
0
1
6
0
7
5
6
2
1
4
0
0
–
4
0
10
–
–
10
3
0
18
0
–
–
–
–
9
–
19
–
0
–
–
–
–
–
–
0
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 20. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
96
4
(1)
81
19
–
90
10
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
96
97
95
96
97
96
97
95
94
95
93
98
4
3
5
4
3
4
3
5
–
5
7
–
–
–
–
–
(1)
(1)
(1)
–
–
–
–
–
82
85
80
76
86
91
83
81
78
77
76
77
18
15
20
24
14
9
17
19
22
23
24
23
–
–
–
–
–
–
–
–
–
–
–
–
88
92
86
79
93
98
90
90
87
92
92
92
12
8
14
18
7
–
10
9
13
8
7
8
(1)
(1)
(1)
2
(1)
–
(1)
1
–
1
1
–
Full time ...................................................................
Part time ..................................................................
96
98
4
–
(1)
–
81
86
19
14
–
–
90
88
10
–
(1)
–
Union .......................................................................
Nonunion .................................................................
90
97
10
3
–
(1)
69
83
31
17
–
–
79
91
20
8
1
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
97
95
94
94
–
3
5
6
6
–
(1)
–
–
–
90
81
80
80
82
10
19
20
20
18
–
–
–
–
–
94
91
90
87
87
–
9
10
12
12
–
–
( )
1
( )
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
95
92
7
–
8
–
–
–
78
74
79
22
26
21
–
–
–
90
88
90
9
10
9
1
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
97
94
99
91
97
97
3
3
–
–
–
–
–
(1)
(1)
–
–
–
–
–
82
87
82
95
86
82
79
18
13
18
5
–
18
21
–
–
–
–
–
–
–
89
96
98
99
89
89
88
10
4
–
–
–
11
12
(1)
–
–
–
–
–
–
1
Establishment characteristic
See footnotes at end of table.
Table 20. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
99
93
98
96
92
89
97
–
–
–
4
–
–
3
–
–
–
–
–
–
–
84
77
86
78
68
71
80
16
23
14
22
32
29
20
–
–
–
–
–
–
–
92
87
92
83
79
83
84
–
–
–
17
21
17
16
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
96
96
96
97
94
4
4
–
4
3
6
(1)
(1)
–
–
–
–
81
80
81
82
85
79
19
20
19
18
15
21
–
–
–
–
–
–
91
90
95
88
92
84
8
9
5
12
8
16
1
1
–
1
( )
1
( )
(1)
98
92
97
99
98
97
95
97
94
–
8
3
–
–
3
5
3
6
–
–
–
–
–
–
–
1
( )
(1)
79
64
83
72
90
83
85
88
86
21
36
17
28
10
17
15
12
14
–
–
–
–
–
–
–
–
–
82
73
92
93
96
91
95
91
92
18
27
–
–
3
8
–
–
7
–
–
–
–
1
1
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 20. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2013
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
0.3
0.3
(1)
1.1
1.1
–
0.9
0.9
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
2.1
1.2
1.9
1.2
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
–
1.2
1.9
–
–
–
–
–
1
( )
1
( )
0.1
–
–
–
–
–
2.0
2.2
3.1
3.5
1.5
1.9
2.0
3.3
4.0
2.1
2.7
3.1
2.0
2.2
3.1
3.5
1.5
1.9
2.0
3.3
4.0
2.1
2.7
3.1
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.3
2.2
3.4
1.3
0.9
1.8
2.1
3.3
1.4
1.9
1.7
1.5
1.2
2.2
3.7
1.3
–
1.8
2.0
3.3
1.3
1.6
1.7
0.2
0.2
0.2
2.4
0.1
–
0.1
0.5
–
0.5
0.9
–
Full time ...................................................................
Part time ..................................................................
0.4
0.8
0.4
–
(1)
–
1.1
2.7
1.1
2.7
–
–
1.0
3.9
1.0
–
0.2
–
Union .......................................................................
Nonunion .................................................................
1.6
0.3
1.6
0.3
–
(1)
3.3
1.2
3.3
1.2
–
–
3.6
1.1
3.5
1.1
0.8
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.5
0.6
0.8
0.7
1.3
–
0.6
0.8
0.7
1.3
–
(1)
–
–
–
2.2
1.9
1.5
1.5
1.9
2.2
1.9
1.5
1.5
1.9
–
–
–
–
–
2.3
1.6
1.4
1.4
1.7
–
1.6
1.3
1.3
1.6
–
–
0.3
0.2
0.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
2.4
1.3
1.1
–
1.3
–
–
–
2.0
3.8
2.2
2.0
3.8
2.2
–
–
–
1.6
3.2
1.8
1.4
2.7
1.6
0.6
1.7
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
0.7
1.6
0.5
3.2
1.1
1.3
0.4
0.7
–
–
–
–
–
(1)
0.1
–
–
–
–
–
1.3
1.4
2.4
1.2
4.5
1.9
2.0
1.3
1.4
2.4
1.2
–
1.9
2.0
–
–
–
–
–
–
–
1.1
1.0
1.0
0.6
3.7
1.9
2.2
1.1
1.0
–
–
–
1.9
2.2
0.3
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 20. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2013—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
3.4
0.9
0.6
2.4
3.4
0.6
–
–
–
0.6
–
–
0.6
–
–
–
–
–
–
–
2.7
4.1
3.3
4.2
4.8
4.2
4.8
2.7
4.1
3.3
4.2
4.8
4.2
4.8
–
–
–
–
–
–
–
2.4
4.1
3.0
2.6
4.5
4.4
3.0
–
–
–
2.6
4.5
4.4
3.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.7
1.3
0.5
0.8
0.8
0.6
0.7
–
0.5
0.8
0.8
(1)
(1)
–
–
–
–
1.6
2.0
2.8
1.7
2.2
2.3
1.6
2.0
2.8
1.7
2.2
2.3
–
–
–
–
–
–
1.2
1.9
1.3
1.4
1.7
2.5
1.0
1.5
1.3
1.4
1.7
2.4
0.5
0.8
–
0.2
0.4
0.3
1.5
1.2
0.5
0.5
0.6
0.9
1.4
0.5
1.5
–
1.2
0.5
–
–
0.9
1.4
0.4
1.5
–
–
–
–
–
–
–
0.2
1
( )
5.5
2.1
1.6
4.6
1.6
4.0
3.9
2.1
2.2
5.5
2.1
1.6
4.6
1.6
4.0
3.9
2.1
2.2
–
–
–
–
–
–
–
–
–
5.1
3.5
2.7
3.3
1.0
2.5
1.8
3.5
2.1
5.1
3.5
–
–
0.7
2.1
–
–
1.8
–
–
–
–
0.6
1.3
–
–
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 21. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
96
31
$1,000
64
$1,000
$1,800
$500
(3)
4
(3)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
96
97
95
96
97
96
97
95
94
95
93
98
–
–
–
–
–
–
–
43
29
–
–
38
–
–
–
–
–
–
–
–
–
–
–
500
69
66
71
62
66
66
66
52
65
58
57
60
750
–
–
1,000
1,000
1,000
1,000
–
–
1,000
750
1,000
1,500
1,500
–
2,000
2,000
3,000
2,000
1,500
–
1,500
1,200
1,750
–
–
–
–
–
–
–
–
375
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
3
5
4
3
4
3
5
–
5
7
–
–
–
–
–
(3)
(3)
(3)
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
96
98
31
–
1,000
–
64
65
1,000
–
2,000
–
–
–
(3)
–
4
–
(3)
–
Union .......................................................................
Nonunion .................................................................
100
100
90
97
–
–
–
–
53
66
500
1,000
800
2,000
–
500
–
–
10
3
–
(3)
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
98
97
95
94
94
–
–
–
–
–
–
–
–
–
–
56
67
63
66
67
–
1,000
1,000
750
–
3,000
2,000
2,000
1,500
1,500
–
–
–
500
1,500
–
–
–
–
–
–
3
5
6
6
–
(3)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
93
95
92
–
48
–
–
500
–
56
47
61
–
1,000
600
1,200
2,000
1,000
–
–
–
–
–
–
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
97
97
94
99
91
97
97
–
–
–
–
30
28
30
–
–
–
–
1,500
1,300
1,300
67
61
62
59
61
69
67
1,000
1,000
–
1,000
500
1,000
1,000
2,000
2,000
–
–
900
2,000
–
500
–
–
–
–
–
–
–
–
–
–
–
–
–
3
3
–
–
–
–
–
(3)
(3)
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
99
93
98
96
92
89
97
27
28
27
–
–
23
–
–
$1,250
1,000
–
–
–
–
72
65
71
70
60
66
71
$1,000
1,000
1,500
750
600
600
800
$2,000
–
2,200
–
1,000
1,000
1,900
–
–
–
$500
–
–
500
–
–
–
–
–
–
–
–
–
–
4
–
–
3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
96
96
96
96
97
94
–
–
–
–
–
–
–
–
–
–
–
–
62
64
58
66
66
65
1,000
1,000
1,000
800
1,200
500
2,000
2,000
2,000
1,500
2,350
1,000
–
–
–
500
–
250
–
–
–
–
–
–
4
4
–
4
3
6
(3)
(3)
–
–
–
–
100
100
100
100
100
100
100
100
100
98
92
97
99
98
97
95
97
94
–
–
–
–
–
–
–
39
–
–
–
–
–
–
–
–
–
–
75
58
75
55
56
74
63
58
50
–
500
1,000
–
1,500
1,000
1,000
–
750
–
1,000
2,000
–
3,000
2,000
3,000
1,500
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
3
–
–
3
5
3
6
–
–
–
–
–
–
–
(3)
3
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service
plans.
2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of
enrollee.
3 Less than 0.5.
4 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 data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 21. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2013
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.3
1.3
$165
1.3
$0
$323
$73
0.1
0.3
(3)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
2.1
1.2
1.9
1.2
–
–
–
–
–
–
–
4.9
4.8
–
–
5.0
–
–
–
–
–
–
–
–
–
–
–
145
2.0
3.0
2.3
4.1
2.7
3.4
3.3
4.6
4.7
3.5
4.0
5.4
209
–
–
296
18
0
137
–
–
54
211
164
167
56
–
362
316
274
69
426
–
310
72
448
–
–
–
–
–
–
–
–
67
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
–
1.2
1.9
–
–
–
–
–
(3)
(3)
0.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.4
0.8
1.3
–
106
–
1.4
5.0
0
–
354
–
–
–
0.1
–
0.4
–
(3)
–
Union .......................................................................
Nonunion .................................................................
1.6
0.3
–
–
–
–
3.4
1.4
68
0
204
0
–
123
–
–
1.6
0.3
–
(3)
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.5
0.6
0.8
0.7
1.3
–
–
–
–
–
–
–
–
–
–
3.8
2.0
2.3
2.1
3.2
–
74
0
210
–
742
199
154
223
350
–
–
–
55
321
–
–
–
–
–
–
0.6
0.8
0.7
1.3
–
(3)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
2.4
1.3
–
4.4
–
–
65
–
3.1
5.1
3.6
–
0
155
187
0
155
–
–
–
–
–
–
1.1
–
1.3
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
0.7
1.6
0.5
3.2
1.1
1.3
–
–
–
–
6.2
2.0
2.2
–
–
–
–
255
288
271
1.4
2.5
4.0
2.6
7.2
2.3
2.7
0
0
–
0
75
0
0
80
239
–
–
133
289
–
73
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
0.7
–
–
–
–
–
(3)
0.1
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2013—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
3.4
0.9
0.6
2.4
3.4
0.6
2.8
2.9
3.9
–
–
5.5
–
–
$251
130
–
–
–
–
3.0
4.7
4.3
3.2
5.3
6.0
3.5
$36
165
413
187
178
145
227
$187
–
358
–
89
229
463
–
–
–
$135
–
–
121
–
–
–
–
–
–
–
–
–
–
0.6
–
–
0.6
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.7
1.3
0.5
0.8
0.8
–
–
–
–
–
–
–
–
–
–
–
–
2.1
2.5
4.8
1.9
2.3
2.8
0
0
133
192
153
0
0
0
455
106
316
0
–
–
–
9
–
73
–
–
–
–
–
–
0.6
0.7
–
0.5
0.8
0.8
(3)
(3)
–
–
–
–
1.5
1.2
0.5
0.5
0.6
0.9
1.4
0.5
1.5
–
–
–
–
–
–
–
5.8
–
–
–
–
–
–
–
–
–
–
4.4
2.8
2.5
4.7
4.0
4.1
6.3
5.7
2.8
–
47
18
–
243
123
55
–
205
–
0
596
–
634
356
401
0
243
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
0.5
–
–
0.9
1.4
0.4
1.5
–
–
–
–
–
–
–
0.2
3
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received in
Point-of-Service plans.
2 Deductible amount vary by additional factors such as employee length of service, salary range, or age
of enrollee.
3 Less than 0.05.
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 22. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2013
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
96
$250
$400
$1,000
$1,750
$2,700
4
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
96
97
95
96
97
96
97
95
94
95
93
98
250
275
250
200
250
250
250
250
250
250
275
200
400
375
–
300
500
500
500
350
350
350
400
300
1,000
1,000
1,000
900
1,000
1,000
1,000
–
750
–
–
950
1,500
–
1,500
1,750
2,000
2,000
2,000
1,500
1,500
2,000
2,000
2,000
2,500
2,600
–
2,500
2,750
2,750
2,750
2,000
2,750
3,000
2,750
–
4
3
5
4
3
4
3
5
–
5
7
–
–
–
–
–
(1)
(1)
(1)
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
96
98
250
200
450
250
1,000
–
1,700
2,000
2,700
2,750
4
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
90
97
200
250
250
500
–
1,000
1,000
1,900
–
2,750
10
3
–
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
98
97
95
94
94
200
250
250
250
250
–
500
500
350
350
1,000
1,000
1,000
750
750
2,000
2,000
1,750
1,500
1,500
3,000
3,000
2,700
2,400
2,000
–
3
5
6
6
–
(1)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
93
95
92
250
300
250
300
350
300
750
–
750
1,500
2,000
1,500
2,750
3,000
2,750
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
97
97
94
99
91
97
97
250
250
250
250
300
300
350
500
500
500
500
–
500
500
1,000
1,000
–
1,000
–
1,000
1,000
1,750
2,200
–
2,500
1,500
2,000
2,000
2,700
3,000
3,000
3,000
2,000
2,500
2,600
3
3
–
–
–
–
–
(1)
(1)
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 22. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
99
93
98
96
92
89
97
$350
350
300
250
250
200
250
$500
500
500
500
300
250
500
$1,000
1,100
1,250
–
500
500
1,000
$2,000
2,000
1,500
2,000
1,000
1,000
2,000
$2,500
2,500
2,050
–
–
–
–
–
–
–
4
–
–
3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
96
96
96
96
97
94
250
250
250
250
300
200
500
500
–
375
500
300
1,000
1,000
1,000
800
1,000
500
1,750
2,000
1,500
1,750
2,000
1,300
2,750
2,750
2,600
2,700
2,750
2,000
4
4
–
4
3
6
(1)
(1)
–
–
–
–
100
100
100
100
100
100
100
100
100
98
92
97
99
98
97
95
97
94
250
200
250
200
250
300
300
250
200
375
350
400
300
–
500
500
–
375
–
700
1,000
600
1,000
1,100
1,000
–
750
–
1,500
2,000
2,000
2,000
2,000
2,000
1,500
1,500
2,500
2,500
3,000
2,500
2,500
2,750
2,800
2,700
2,200
–
8
3
–
–
3
5
3
6
–
–
–
–
–
–
–
1
( )
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 22. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2013
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.3
$0
$70
$0
$157
$75
0.3
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
2.1
1.2
1.9
1.2
0
41
0
13
0
27
0
13
0
40
46
16
60
45
–
76
0
13
0
65
85
91
83
30
150
271
151
245
48
0
235
–
177
–
–
259
0
–
0
393
0
375
0
118
46
0
271
430
0
167
–
0
46
46
149
185
274
153
283
–
0.6
0.6
0.9
1.0
0.5
1.0
0.4
1.4
–
1.2
1.9
–
–
–
–
–
(1)
1
( )
0.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.4
0.8
0
18
81
36
0
–
213
182
122
0
0.4
–
(1)
–
Union .......................................................................
Nonunion .................................................................
1.6
0.3
9
0
26
0
–
0
41
234
–
60
1.6
0.3
–
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.5
0.6
0.8
0.7
1.3
24
0
32
0
5
–
0
20
40
53
65
109
0
102
187
351
41
296
0
0
258
314
127
496
0
–
0.6
0.8
0.7
1.3
–
(1)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
2.4
1.3
5
47
0
42
70
59
58
–
108
0
547
0
237
288
211
1.1
–
1.3
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
0.7
1.6
0.5
3.2
1.1
1.3
0
0
49
50
48
67
9
0
18
0
0
–
0
0
0
0
–
26
–
0
63
276
337
–
238
255
0
0
73
144
825
228
0
160
268
0.4
0.7
–
–
–
–
–
(1)
0.1
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 22. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2013—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
3.4
0.9
0.6
2.4
3.4
0.6
$0
33
78
52
48
43
53
$0
0
0
101
80
41
48
$111
109
220
–
0
26
281
$0
0
0
354
52
250
154
$247
39
346
–
–
–
–
–
–
–
0.6
–
–
0.6
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.7
1.3
0.5
0.8
0.8
0
0
46
23
48
0
0
0
–
38
0
41
0
0
38
133
61
49
424
364
250
133
46
145
256
327
220
89
303
71
0.6
0.7
–
0.5
0.8
0.8
(1)
(1)
–
–
–
–
1.5
1.2
0.5
0.5
0.6
0.9
1.4
0.5
1.5
61
53
0
0
55
22
74
71
40
71
57
101
0
–
0
0
–
98
–
192
26
143
214
160
156
–
61
–
263
0
504
301
303
0
205
52
78
100
266
310
296
365
267
333
482
–
1.2
0.5
–
–
0.9
1.4
0.4
1.5
–
–
–
–
–
–
–
0.2
1
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 23. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
94
30
$2,000
64
$2,000
$4,000
–
(3)
6
(3)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
95
96
94
94
95
94
96
93
93
92
92
93
–
–
–
–
–
–
–
41
28
–
–
37
–
–
–
–
–
–
–
1,500
–
–
–
–
69
66
71
62
66
66
66
52
65
56
56
57
1,600
–
1,800
2,500
2,500
–
2,500
2,000
1,500
2,250
2,000
3,000
3,200
3,000
3,600
–
5,000
6,000
4,500
3,300
3,000
3,000
3,000
4,200
–
–
–
–
–
–
–
–
$750
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
4
6
6
5
6
4
7
7
8
8
–
–
–
–
–
(3)
(3)
(3)
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
94
92
30
–
2,000
–
64
63
2,000
1,800
4,000
3,000
1,500
–
(3)
–
6
–
(3)
–
Union .......................................................................
Nonunion .................................................................
100
100
84
96
–
–
–
–
50
66
–
2,200
1,750
4,500
–
1,500
–
–
16
4
–
(3)
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
96
96
94
92
92
–
–
–
–
–
–
–
–
–
–
56
66
62
65
67
3,000
2,400
2,000
1,500
1,500
6,000
4,500
4,000
3,000
3,000
–
–
–
–
3,000
–
–
–
–
–
–
4
6
8
8
–
(3)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
91
91
91
–
44
–
–
1,050
–
55
47
60
1,500
–
1,500
3,000
4,000
2,625
–
–
–
–
–
–
9
–
9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
95
94
92
95
87
97
97
–
–
–
–
26
28
30
–
–
–
–
3,000
3,000
3,000
66
60
61
59
61
69
67
2,100
2,250
–
2,100
1,050
2,400
2,400
4,200
4,600
4,000
6,000
2,000
4,000
3,600
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
6
–
5
13
–
–
(3)
(3)
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 23. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
99
93
98
96
89
86
97
27
28
27
–
–
22
–
$3,000
2,500
2,600
–
–
800
–
72
65
71
69
59
65
71
$2,500
2,400
3,000
1,600
1,500
1,500
1,600
–
$3,000
5,000
4,000
2,250
2,250
4,500
–
–
–
$1,000
–
–
1,000
–
–
–
–
–
–
–
–
–
–
4
11
14
3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
94
94
94
94
96
92
–
–
–
–
–
–
–
–
–
–
–
–
62
64
57
65
66
63
2,000
2,000
–
2,000
3,000
1,200
4,500
4,500
4,500
3,600
6,000
2,400
–
–
–
–
2,500
600
–
–
–
–
–
–
6
6
6
6
4
8
(3)
(3)
–
–
–
–
100
100
100
100
100
100
100
100
100
98
91
94
98
97
96
94
95
88
–
–
–
–
–
–
–
37
–
–
–
–
–
–
–
–
2,200
–
75
58
74
55
55
74
63
58
48
–
–
2,500
1,800
3,000
2,400
3,000
1,500
1,800
–
2,500
4,500
3,000
6,000
4,700
6,000
3,000
–
–
–
–
750
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
9
6
–
3
4
6
5
12
–
–
–
–
–
–
–
(3)
3
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service
plans.
2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of
enrollee.
3 Less than 0.5.
4 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 data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 23. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2013
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.4
1.3
$171
1.4
$92
$91
–
0.1
0.4
(3)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.7
0.8
0.9
1.2
0.6
1.3
0.6
1.4
2.0
1.6
2.0
2.6
–
–
–
–
–
–
–
4.9
4.8
–
–
5.0
–
–
–
–
–
–
–
278
–
–
–
–
2.0
3.0
2.3
4.1
2.7
3.4
3.3
4.6
4.6
3.5
3.8
5.7
414
–
403
674
454
–
584
435
398
246
551
258
703
556
754
–
853
0
336
869
415
830
202
595
–
–
–
–
–
–
–
–
$137
431
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
0.8
0.9
1.2
0.6
1.3
0.6
1.4
2.0
1.6
2.0
–
–
–
–
–
3
( )
3
( )
0.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.4
2.7
1.3
–
139
–
1.4
5.3
164
409
91
454
382
–
0.1
–
0.4
–
(3)
–
Union .......................................................................
Nonunion .................................................................
2.6
0.4
–
–
–
–
3.5
1.4
–
273
319
592
–
422
–
–
2.6
0.4
–
(3)
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.0
0.7
0.9
1.0
1.5
–
–
–
–
–
–
–
–
–
–
3.7
2.0
2.4
2.2
3.3
280
309
274
370
392
1,073
343
248
213
177
–
–
–
–
537
–
–
–
–
–
–
0.7
0.9
1.0
1.5
–
(3)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.3
2.8
1.4
–
3.9
–
–
260
–
3.1
5.1
3.6
387
–
210
179
894
438
–
–
–
–
–
–
1.3
–
1.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.5
0.8
1.7
1.0
3.3
1.1
1.3
–
–
–
–
6.2
2.0
2.2
–
–
–
–
0
552
565
1.5
2.5
4.2
2.5
7.2
2.3
2.7
219
435
–
248
231
444
494
499
912
605
1,167
0
529
892
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
0.8
–
1.0
3.3
–
–
(3)
0.1
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2013—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
3.4
0.8
0.7
2.6
3.4
0.7
2.8
2.9
3.9
–
–
5.6
–
$365
483
776
–
–
170
–
3.0
4.7
4.3
3.2
5.4
6.0
3.5
$657
593
355
279
352
253
379
–
$805
1,081
644
389
352
698
–
–
–
$274
–
–
262
–
–
–
–
–
–
–
–
–
–
0.7
2.6
3.4
0.7
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.8
1.6
0.8
0.8
1.3
–
–
–
–
–
–
–
–
–
–
–
–
2.0
2.5
4.7
1.9
2.3
2.9
452
380
–
188
541
161
621
839
587
563
488
323
–
–
–
–
612
165
–
–
–
–
–
–
0.6
0.8
1.6
0.8
0.8
1.3
(3)
(3)
–
–
–
–
1.5
1.1
0.7
0.5
0.6
0.9
1.5
0.6
2.7
–
–
–
–
–
–
–
5.3
–
–
–
–
–
–
–
–
512
–
4.4
2.9
2.2
4.7
4.0
4.2
6.3
5.7
3.3
–
–
175
486
61
346
775
152
383
–
544
429
480
415
1,268
245
0
–
–
–
–
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
0.7
–
0.6
0.9
1.5
0.5
2.7
–
–
–
–
–
–
–
0.2
3
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service
plans.
2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of
enrollee.
3 Less than 0.05.
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 24. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
94
$570
$1,000
$2,000
$4,000
$6,000
6
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
95
96
94
94
95
94
96
93
93
92
92
93
500
600
500
500
700
750
600
600
570
600
600
500
1,000
900
1,000
–
1,200
1,500
1,050
1,000
900
900
1,000
900
2,000
2,000
2,000
2,000
2,500
2,500
2,500
1,500
1,500
2,000
2,000
2,000
3,300
4,000
3,000
4,000
4,000
4,000
4,100
3,000
3,000
4,500
4,500
5,000
5,300
5,600
5,000
5,000
5,600
5,500
6,000
5,400
6,000
6,400
6,000
–
5
4
6
6
5
6
4
7
7
8
8
–
–
–
–
–
(1)
(1)
(1)
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
94
92
600
500
1,000
–
2,000
1,500
4,000
4,000
6,000
5,500
6
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
84
96
–
600
500
1,000
1,000
2,250
–
4,000
5,000
6,000
16
4
–
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
96
96
94
92
92
500
500
600
500
500
1,000
1,000
1,000
900
800
2,500
2,400
2,200
1,500
–
4,500
4,500
4,000
3,000
3,000
6,000
6,000
6,000
5,000
4,500
–
4
6
8
8
–
(1)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
91
91
91
600
600
550
800
1,000
800
1,600
2,000
1,800
3,000
4,000
3,000
6,000
6,000
6,000
9
–
9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
95
94
92
95
87
97
97
500
570
600
800
700
700
700
1,000
1,000
1,400
1,500
1,000
1,000
1,000
2,200
2,200
2,000
2,200
–
2,500
2,500
4,000
5,000
4,000
5,000
3,000
4,000
4,000
5,600
6,000
6,400
6,000
4,000
5,600
5,600
5
6
–
5
13
–
–
(1)
(1)
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
99
93
98
96
89
86
97
$750
700
750
500
500
500
500
$1,000
1,200
1,500
1,000
750
750
1,000
$2,600
2,500
3,000
1,800
1,500
–
2,000
$4,000
4,000
4,000
4,000
2,000
–
4,000
$5,000
5,600
4,800
–
4,500
4,500
–
–
–
–
4
11
14
3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
94
94
94
94
96
92
600
600
600
500
700
400
1,000
1,250
1,000
1,000
1,050
600
2,400
2,250
2,500
2,000
2,500
1,250
4,000
4,500
4,000
3,500
4,100
3,000
6,000
6,000
6,000
5,500
6,000
4,000
6
6
6
6
4
8
(1)
(1)
–
–
–
–
100
100
100
100
100
100
100
100
100
98
91
94
98
97
96
94
95
88
500
500
600
500
600
600
700
500
500
800
800
1,000
–
1,000
1,200
1,000
1,000
1,000
–
1,800
2,500
1,500
2,500
2,400
3,000
1,500
1,500
4,500
3,000
4,000
–
4,000
4,500
4,000
–
3,000
5,000
5,000
6,000
6,000
6,000
–
6,000
5,500
5,000
–
9
6
–
3
4
6
5
12
–
–
–
–
–
–
–
(1)
(1)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 24. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2013
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.4
$78
$18
$92
$9
$539
0.4
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.7
0.8
0.9
1.2
0.6
1.3
0.6
1.4
2.0
1.6
2.0
2.6
48
0
0
0
137
112
52
26
43
114
0
32
111
158
41
–
219
75
126
18
116
58
126
263
184
419
197
337
335
505
536
253
432
209
380
277
519
509
471
753
280
541
436
0
91
679
724
1,271
635
756
848
109
519
289
496
713
299
674
474
–
0.7
0.8
0.9
1.2
0.6
1.3
0.6
1.4
2.0
1.6
2.0
–
–
–
–
–
(1)
1
( )
0.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.4
2.7
18
0
0
–
191
447
151
0
428
0
0.4
–
(1)
–
Union .......................................................................
Nonunion .................................................................
2.6
0.4
–
0
46
29
41
166
–
0
1,308
215
2.6
0.4
–
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.0
0.7
0.9
1.0
1.5
108
97
0
22
94
102
41
26
133
214
488
255
221
336
–
705
566
102
0
0
398
82
103
283
503
–
0.7
0.9
1.0
1.5
–
(1)
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.3
2.8
1.4
46
18
88
131
26
148
389
464
436
274
562
402
166
316
556
1.3
–
1.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.5
0.8
1.7
1.0
3.3
1.1
1.3
94
82
101
211
48
0
0
0
173
303
412
48
135
202
241
167
580
139
–
149
106
0
310
880
447
145
0
0
464
0
1,747
204
0
395
323
0.5
0.8
–
1.0
3.3
–
–
(1)
0.1
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2013—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
3.4
0.8
0.7
2.6
3.4
0.7
$76
185
174
0
72
44
0
$78
0
333
156
47
0
61
$524
120
504
386
342
–
565
$13
52
739
520
450
–
382
$82
0
393
–
920
1,062
–
–
–
–
0.7
2.6
3.4
0.7
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.8
1.6
0.8
0.8
1.3
0
36
32
9
129
111
187
329
175
120
66
143
292
377
662
213
230
222
318
651
379
392
427
288
220
814
943
294
182
625
0.6
0.8
1.6
0.8
0.8
1.3
(1)
(1)
–
–
–
–
1.5
1.1
0.7
0.5
0.6
0.9
1.5
0.6
2.7
109
0
91
0
29
126
168
145
26
194
211
121
–
147
334
184
242
84
–
488
76
0
335
383
499
27
253
728
0
53
–
355
401
36
–
0
126
137
766
607
310
–
381
652
868
–
1.1
0.7
–
0.6
0.9
1.5
0.5
2.7
–
–
–
–
–
–
–
0.2
1
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 25. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Total
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Worker characteristic
All workers ...............................................................
100
–
–
90
80
60
90
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
–
11
–
12
8
10
7
14
9
10
8
13
–
80
–
80
80
80
80
80
80
80
80
80
90
89
91
88
92
90
93
86
91
90
92
87
80
80
80
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
60
60
60
90
90
90
90
90
90
90
80
70
80
90
80
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
–
14
–
80
90
86
80
80
60
60
90
80
–
–
Union .......................................................................
Nonunion .................................................................
100
100
20
–
80
–
80
91
85
80
65
60
80
90
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
12
–
8
–
10
80
–
80
–
80
88
91
92
89
90
80
80
80
80
80
60
60
60
60
60
90
90
90
90
90
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
12
29
–
80
80
–
88
71
92
80
85
80
60
60
60
90
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
–
10
8
12
13
8
10
–
80
80
80
90
80
80
91
90
92
88
87
92
90
80
80
80
80
90
80
80
60
60
60
50
60
60
60
90
80
–
90
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 25. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Total
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
5
12
8
–
–
–
9
80
80
80
–
–
–
80
95
88
92
91
90
90
91
80
90
80
80
90
85
80
60
60
60
60
65
70
60
–
–
90
90
90
90
90
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
–
–
12
10
10
9
–
–
80
80
80
80
90
91
88
90
90
91
80
80
80
80
80
80
60
60
60
60
60
60
80
80
80
90
90
100
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
16
8
–
11
–
–
14
–
–
80
80
–
80
–
–
80
–
91
84
92
88
89
95
91
86
90
80
90
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
90
100
90
90
90
90
80
80
90
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received in
Point-of-Service plans.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20132014.htm.
Table 25. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2013
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Worker characteristic
All workers ...............................................................
–
–
0.9
0.0
0.0
0.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
1.4
–
2.7
1.2
2.2
1.1
4.1
1.7
1.8
2.3
2.9
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
1.4
1.6
2.7
1.2
2.2
1.1
4.1
1.7
1.8
2.3
2.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
1.8
0.0
0.0
12.8
0.0
5.8
15.1
11.3
7.1
0.0
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
4.2
–
0.0
0.9
4.2
0.0
0.0
0.0
0.0
0.0
0.0
–
–
Union .......................................................................
Nonunion .................................................................
4.5
–
0.0
–
4.5
0.8
2.4
0.0
6.1
0.0
12.2
0.0
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
–
0.9
–
1.7
0.0
–
0.0
–
0.0
2.6
1.5
0.9
1.7
1.7
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
5.2
9.2
0.0
0.0
12.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.5
7.0
–
0.0
0.0
–
2.5
7.0
2.8
0.0
4.8
0.9
0.0
7.3
0.0
8.9
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
1.9
2.2
3.2
2.9
1.5
1.7
–
0.0
2.4
0.0
6.3
0.0
0.0
0.9
1.9
2.2
3.2
2.9
1.5
1.7
0.0
0.0
0.0
0.0
0.0
0.0
3.2
0.0
0.0
0.0
5.8
10.2
0.0
0.0
0.0
1.3
–
10.9
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 25. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2013—continued
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.2
2.6
1.9
–
–
–
2.1
0.0
0.0
0.0
–
–
–
0.0
1.2
2.6
1.9
1.9
3.0
3.4
2.1
0.0
6.8
0.0
0.0
5.1
8.6
0.0
0.0
1.3
0.0
0.0
9.7
7.1
0.0
–
–
7.3
0.0
11.2
14.4
0.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
3.4
1.2
1.7
1.5
–
–
0.0
0.0
0.0
0.0
1.5
1.3
3.4
1.2
1.7
1.5
0.0
0.0
0.0
0.0
0.0
2.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.3
–
–
–
–
–
–
–
3.9
2.2
–
1.1
–
–
2.4
–
–
0.0
0.0
–
0.0
–
–
0.0
–
3.1
3.9
2.2
3.8
1.1
2.4
3.5
2.4
2.0
5.8
6.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.3
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14.0
4.5
6.8
8.0
4.6
12.2
6.9
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Refers to deductible or coinsurance amounts for the most generous benefits received
in Point-of-Service plans.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 26. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
89
$1,000
$1,400
$2,000
$2,750
$4,000
10
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
88
92
86
79
93
98
90
89
87
91
92
90
850
1,000
575
1,000
1,000
1,000
1,000
1,000
1,000
900
1,000
800
1,250
1,500
1,000
1,500
1,500
1,500
1,500
1,150
1,250
1,500
1,500
1,250
2,000
2,000
1,500
2,000
2,250
2,300
2,000
1,800
2,000
2,000
2,000
2,000
2,500
2,700
2,500
3,000
3,000
3,250
3,000
2,500
2,715
2,800
2,800
2,750
3,500
3,500
3,600
4,400
4,000
4,000
4,000
3,250
3,250
4,000
4,000
4,000
12
8
14
18
7
–
10
10
13
9
7
10
(2)
(2)
(2)
2
(2)
–
(2)
1
–
1
1
–
Full time ...................................................................
Part time ..................................................................
100
100
89
86
1,000
1,000
1,400
1,400
2,000
2,000
2,750
2,750
4,000
3,500
10
–
(2)
–
Union .......................................................................
Nonunion .................................................................
100
100
77
91
750
1,000
1,000
1,500
1,500
2,000
2,500
2,750
4,000
3,900
22
9
1
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
94
91
89
87
87
1,000
1,000
1,000
900
900
1,750
1,500
1,350
1,150
1,250
2,250
2,000
2,000
1,750
1,700
3,250
3,000
2,750
2,500
2,500
4,000
4,250
3,600
3,300
3,025
–
9
11
13
13
–
–
(2)
(2)
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
90
84
90
1,000
950
900
1,300
1,150
1,300
2,000
2,000
2,000
2,530
2,500
2,500
3,600
3,000
4,000
9
13
9
1
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
89
96
98
99
89
89
88
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
2,000
1,000
1,500
1,500
2,000
2,300
2,000
2,500
1,250
2,000
2,000
2,900
3,250
3,000
3,250
2,000
2,500
2,500
4,000
4,000
3,800
4,250
3,025
3,500
3,300
11
4
–
–
–
11
12
(2)
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 26. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
92
87
92
83
79
83
84
$1,000
1,000
1,000
650
575
800
650
$1,500
1,250
1,500
1,000
1,000
1,000
1,000
$2,000
2,000
2,000
1,500
1,500
1,500
1,500
$2,500
2,650
2,500
2,900
2,000
2,100
3,000
$3,000
3,900
3,500
4,500
2,750
3,000
4,500
–
–
–
17
21
17
16
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
91
89
95
88
92
83
1,000
1,000
900
1,000
1,000
900
1,500
1,400
1,500
1,350
1,500
1,250
2,000
2,000
2,000
2,000
2,000
1,750
3,000
3,000
2,900
2,700
2,750
2,500
4,000
4,000
4,250
3,500
3,500
3,750
8
10
5
12
8
17
1
1
–
(2)
2
( )
(2)
100
100
100
100
100
100
100
100
100
82
73
92
93
96
90
95
90
90
1,000
1,000
1,000
500
1,000
500
1,000
1,000
1,000
1,500
1,250
1,500
1,000
1,700
1,000
1,350
1,500
1,400
2,125
2,000
2,000
2,000
2,500
1,650
2,000
2,000
2,000
2,500
2,850
3,000
2,700
3,200
2,500
2,500
2,700
2,500
3,500
3,800
4,500
4,000
4,000
3,250
3,250
3,250
4,000
18
27
–
–
3
8
–
–
9
–
–
–
–
1
1
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 26. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2013
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
0.9
$13
$126
$0
$68
$234
0.9
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.5
1.3
2.2
3.4
1.3
0.9
1.8
2.2
3.3
1.6
1.9
2.6
122
0
203
229
0
0
0
9
32
134
75
82
54
0
24
343
0
137
18
156
354
168
0
277
258
35
101
79
116
116
132
375
74
0
0
112
98
91
0
406
16
268
83
83
140
126
147
316
471
173
667
335
298
175
488
216
296
111
550
52
1.5
1.2
2.2
3.7
1.3
–
1.8
2.1
3.3
1.5
1.6
2.6
0.2
0.2
0.2
2.4
0.1
–
0.1
0.5
–
0.5
0.9
–
Full time ...................................................................
Part time ..................................................................
1.0
3.5
46
182
127
251
0
209
74
323
104
500
1.0
–
0.2
–
Union .......................................................................
Nonunion .................................................................
3.7
1.1
65
0
9
0
135
0
294
135
396
199
3.6
1.1
0.8
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
1.6
1.4
1.5
1.8
110
89
58
126
132
290
0
193
195
263
53
125
0
194
194
273
0
170
0
0
334
356
243
216
254
–
1.6
1.3
1.5
1.7
–
–
0.3
0.2
0.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.7
3.3
1.8
118
219
145
159
45
303
0
556
0
182
152
77
669
1,197
497
1.4
3.1
1.6
0.6
1.7
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
1.0
1.0
0.6
3.7
1.9
2.2
13
0
36
372
0
35
0
104
159
26
183
0
0
135
0
74
0
54
303
0
0
158
109
268
0
36
276
0
189
36
300
291
315
91
308
1.1
1.0
–
–
–
1.9
2.2
0.3
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 26. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2013—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
4.1
3.0
2.6
4.5
4.4
3.0
$0
125
176
293
301
49
383
$114
303
0
41
36
111
69
$0
0
128
139
94
52
165
$91
360
122
349
179
359
84
$244
391
446
584
239
327
707
–
–
–
2.6
4.5
4.4
3.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.2
1.9
1.3
1.4
1.7
2.5
143
132
396
0
0
64
174
208
71
128
52
123
0
0
154
0
52
121
84
92
323
139
115
73
0
18
1,108
30
69
513
1.0
1.5
1.3
1.4
1.7
2.5
0.5
0.8
–
0.2
0.4
0.3
5.1
3.5
2.7
3.3
1.0
2.5
1.8
3.4
2.2
0
175
0
273
79
173
0
132
0
231
266
0
409
325
0
151
210
145
180
0
68
55
124
134
179
260
27
8
305
16
305
352
129
56
348
294
188
273
393
316
0
202
390
188
251
5.1
3.5
–
–
0.7
2.1
–
–
1.6
–
–
–
–
0.6
1.3
–
–
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 27. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
87
$2,000
$3,000
$4,000
$6,000
$7,500
13
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
87
90
85
73
91
95
88
87
85
86
89
83
1,600
2,400
1,500
2,000
2,000
2,000
2,000
1,950
2,000
1,900
2,000
1,500
2,600
3,000
2,500
3,000
3,000
3,000
3,000
2,700
3,000
3,000
3,000
3,000
4,000
4,000
3,500
4,400
4,500
4,600
4,500
3,800
4,000
4,000
4,000
4,400
5,400
5,400
5,500
6,000
6,000
6,500
6,000
5,800
6,000
5,700
5,500
6,000
7,000
7,000
7,000
8,000
7,800
7,500
8,000
7,500
7,000
7,750
8,100
7,500
13
10
15
24
9
5
11
13
15
13
10
17
(2)
(2)
(2)
2
(2)
–
(2)
1
–
1
1
–
Full time ...................................................................
Part time ..................................................................
100
100
87
78
2,000
2,500
3,000
3,000
4,000
4,100
6,000
6,000
7,500
6,500
13
–
(2)
–
Union .......................................................................
Nonunion .................................................................
100
100
67
89
1,500
2,000
2,000
3,000
3,000
4,200
5,000
6,000
7,200
7,500
32
10
1
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
88
87
87
85
85
2,500
2,000
2,000
1,950
2,000
4,000
3,000
3,000
2,600
2,700
4,600
4,500
4,000
4,000
4,000
6,100
6,000
6,000
5,200
5,200
7,500
8,000
7,500
6,750
6,750
–
13
13
14
14
–
–
(2)
(2)
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
87
81
88
1,950
1,950
2,000
2,650
2,000
2,650
4,000
–
4,000
5,350
5,200
5,000
6,750
7,500
6,750
12
16
12
1
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
86
91
94
93
84
87
85
2,000
2,500
2,000
3,000
2,000
2,400
2,000
3,000
3,250
3,000
4,100
2,500
3,000
3,000
4,350
5,000
4,500
5,000
3,000
4,000
4,000
6,000
6,500
6,000
6,500
4,400
5,000
5,000
7,600
8,000
7,500
7,700
7,500
7,000
6,400
13
9
–
7
16
13
15
(2)
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 27. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
90
83
91
82
77
80
83
$2,000
2,400
2,000
1,500
1,500
2,000
1,500
$3,000
3,000
3,000
2,500
2,500
2,500
2,500
$4,000
4,000
4,100
3,750
3,800
3,750
3,750
$5,000
5,300
6,000
6,000
5,000
5,250
6,000
$6,000
6,450
7,000
9,000
6,000
6,900
10,000
10
17
–
18
23
20
17
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
88
88
90
85
90
79
2,000
2,000
2,000
2,000
2,000
1,950
3,000
3,000
3,000
3,000
3,000
2,700
4,000
4,000
4,500
4,100
4,350
4,000
6,000
6,000
6,750
5,500
6,000
5,250
7,800
7,500
10,000
7,000
7,200
6,600
11
11
10
14
10
21
1
1
–
2
( )
2
( )
(2)
100
100
100
100
100
100
100
100
100
82
69
88
88
94
89
93
87
88
2,000
2,000
2,100
1,500
2,000
1,500
2,000
2,000
2,000
3,000
3,000
3,000
2,800
3,800
2,000
3,000
3,000
3,000
4,400
4,350
4,500
4,350
5,000
3,250
4,000
4,500
4,000
6,000
5,800
6,000
6,000
6,900
5,000
5,000
5,400
6,000
7,500
7,700
8,200
7,600
10,000
6,750
6,500
6,500
7,500
18
31
12
–
5
9
–
13
12
–
–
–
–
1
1
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 27. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2013
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
1.0
$13
$0
$152
$122
$137
0.9
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.6
1.4
2.2
3.4
1.3
0.9
1.9
2.3
3.5
1.7
2.2
2.6
399
426
18
172
206
296
319
20
0
399
124
418
222
145
389
55
141
330
213
395
471
0
0
187
0
150
415
353
32
186
173
805
477
154
0
455
314
85
685
613
442
489
369
622
440
307
287
264
185
170
529
900
607
417
1,338
720
828
551
2,167
228
1.5
1.4
2.2
3.9
1.3
0.9
1.9
2.2
3.5
1.6
1.9
2.6
0.2
0.2
0.2
2.4
0.1
–
0.1
0.5
–
0.5
0.9
–
Full time ...................................................................
Part time ..................................................................
1.0
4.9
27
0
0
133
143
392
117
861
242
0
1.0
–
0.2
–
Union .......................................................................
Nonunion .................................................................
4.0
1.2
68
0
230
0
454
248
344
0
803
174
3.9
1.1
0.8
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.9
1.6
1.4
1.4
1.7
766
149
74
203
254
602
0
0
271
347
368
111
18
129
535
285
36
66
276
298
206
1,247
118
316
712
–
1.6
1.4
1.4
1.7
–
–
0.3
0.2
0.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.7
3.3
1.9
112
389
288
332
47
287
0
–
0
342
831
72
571
1,227
842
1.5
3.2
1.7
0.6
1.7
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
1.0
2.2
1.1
3.8
2.1
2.4
0
18
619
0
112
245
291
0
369
0
230
55
84
0
358
359
481
120
125
0
0
0
130
354
0
625
52
0
304
966
509
222
1,665
544
468
1.1
1.0
–
1.1
3.8
2.1
2.4
0.3
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2013—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.6
4.6
3.0
2.7
4.8
4.6
3.0
$0
402
563
164
774
52
122
$0
252
0
81
158
108
128
$0
0
396
471
259
323
599
$698
438
234
0
569
1,028
0
$537
1,437
522
2,462
722
2,095
3,352
2.6
4.6
–
2.7
4.8
4.6
3.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.3
2.0
2.2
1.5
1.9
2.4
325
402
696
9
0
152
0
0
55
41
36
260
321
98
443
172
296
0
0
147
943
292
225
120
451
145
4,469
247
366
396
1.1
1.6
2.2
1.4
1.9
2.4
0.5
0.8
–
0.2
0.4
0.3
5.1
2.9
2.9
3.9
1.1
2.6
2.2
3.3
1.9
432
153
357
0
302
0
120
338
0
293
0
200
535
855
546
0
0
85
464
406
18
441
143
242
473
502
223
641
9
0
0
671
327
555
576
679
689
414
1,985
792
2,625
316
832
1,351
620
5.1
2.9
2.9
–
0.9
2.1
–
3.3
1.4
–
–
–
–
0.6
1.3
–
–
1.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 28. Fee-for-service plans: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
97
90
90
99
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
96
93
98
98
98
98
96
96
98
97
99
88
91
86
94
91
93
89
93
91
90
92
88
88
91
86
94
91
94
89
93
91
90
92
88
100
100
100
98
99
98
99
100
100
98
100
95
Full time ...................................................................
Part time ..................................................................
96
99
91
84
91
84
99
96
Union .......................................................................
Nonunion .................................................................
98
96
97
89
97
89
98
99
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
97
96
96
95
88
90
91
91
89
88
90
91
91
89
97
98
100
100
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
96
93
96
92
91
92
92
91
92
100
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
99
99
98
100
94
93
89
91
87
93
98
93
93
90
90
84
93
98
93
93
99
98
96
97
100
100
100
Establishment characteristic
See footnotes at end of table.
Table 28. Fee-for-service plans: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
91
95
97
94
92
98
94
90
97
89
86
94
98
84
90
97
89
87
94
98
86
100
100
100
98
100
100
98
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
95
94
98
98
97
99
88
87
90
92
89
95
87
86
90
92
90
96
99
99
99
99
98
99
96
96
98
98
98
91
96
100
98
93
97
86
92
94
83
–
99
96
93
97
87
92
94
83
–
98
96
100
99
98
100
100
100
97
100
100
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20132014.htm.
Table 28. Standard errors for fee-for-service plans: Coverage for selected
services,1 private industry workers, National Compensation Survey, 2013
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
0.5
1.1
1.0
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.3
1.0
1.9
1.1
0.5
0.6
0.6
1.1
1.8
0.7
1.0
0.7
2.1
1.4
3.0
2.0
1.4
1.9
1.8
1.4
2.3
1.4
1.5
3.0
2.0
1.4
3.0
1.9
1.3
1.9
1.9
1.4
2.3
1.3
1.5
2.7
0.1
(2)
0.2
0.8
0.5
0.9
0.4
0.1
(2)
0.9
(2)
2.0
Full time ...................................................................
Part time ..................................................................
0.6
0.4
1.0
7.1
0.9
7.1
0.3
2.2
Union .......................................................................
Nonunion .................................................................
1.0
0.6
1.0
1.2
1.1
1.2
1.1
0.3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.9
1.1
1.1
1.2
1.6
2.9
1.8
1.4
1.7
2.6
2.8
1.8
1.4
1.7
2.6
1.7
0.7
0.2
0.1
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.9
2.1
1.0
1.2
2.7
1.4
1.2
2.7
1.4
(2)
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
0.5
0.8
0.9
0.3
1.2
1.4
1.4
1.6
2.8
1.4
1.2
1.3
1.3
1.3
1.5
2.8
1.4
1.2
1.3
1.3
0.4
0.9
2.6
1.4
(2)
(2)
0.1
Establishment characteristic
See footnotes at end of table.
Table 28. Standard errors for fee-for-service plans: Coverage for selected
services,1 private industry workers, National Compensation Survey,
2013—continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.2
2.7
1.3
2.0
1.6
1.2
2.3
2.0
1.7
2.9
3.7
3.1
1.2
4.2
2.0
1.7
2.9
3.6
3.1
1.2
4.1
(2)
0.1
(2)
1.1
(2)
(2)
1.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.0
1.4
0.8
0.5
0.9
0.5
2.0
2.0
4.0
1.2
1.9
1.1
2.0
2.0
4.0
1.1
1.8
1.1
0.3
0.3
0.5
0.5
0.8
0.4
2.0
0.7
0.7
1.5
0.6
2.2
2.5
(2)
1.3
3.9
0.8
2.2
1.0
1.5
4.0
–
0.9
1.8
3.9
0.9
2.1
1.2
1.5
3.8
–
0.3
1.8
(2)
0.1
1.2
0.1
0.2
0.4
2.0
(2)
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20132014.htm.
Table 29. Fee-for-service plans: Coverage for mental health care and
substance abuse treatment,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Worker characteristic
All workers ...............................................................
82
80
80
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
82
86
81
83
87
80
85
83
82
86
80
85
–
80
84
–
84
82
79
83
79
84
–
81
85
80
81
78
81
84
Full time ...................................................................
Part time ..................................................................
82
92
80
90
80
91
Union .......................................................................
Nonunion .................................................................
88
82
86
–
87
79
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
80
81
82
85
86
80
79
–
83
84
77
79
80
82
84
85
81
85
82
83
88
86
85
86
82
–
83
80
81
88
83
83
83
81
–
82
80
83
87
82
82
84
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 29. Fee-for-service plans: Coverage for mental health care and
substance abuse treatment,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
86
85
81
80
83
82
79
–
82
84
80
–
–
82
–
81
73
80
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
87
86
84
88
86
84
82
87
84
83
82
85
82
84
82
86
88
86
89
81
82
81
83
85
83
87
82
83
77
88
84
85
87
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
for
Employee
Compensation - March 2013."
Note: For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 29. Standard errors for fee-for-service plans: Coverage for mental
health care and substance abuse treatment,1 private industry workers,
National Compensation Survey, 2013
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Worker characteristic
All workers ...............................................................
1.0
1.0
1.0
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
1.8
1.7
3.7
1.3
2.3
1.8
2.1
2.9
2.4
3.2
1.7
1.7
–
1.4
2.4
–
2.5
2.9
2.4
3.3
1.9
1.8
–
1.4
2.4
2.0
2.7
3.5
2.0
2.6
Full time ...................................................................
Part time ..................................................................
1.0
3.6
1.1
3.7
1.1
3.6
Union .......................................................................
Nonunion .................................................................
2.4
1.0
2.7
–
2.3
1.1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.4
1.8
1.8
1.7
2.5
2.5
1.8
–
1.6
2.7
2.6
1.7
1.7
1.7
2.5
2.1
3.5
2.6
1.1
1.5
2.4
6.1
1.7
2.0
2.4
–
2.7
1.1
1.5
2.1
6.2
1.9
2.4
2.0
–
2.4
1.1
1.5
2.5
6.4
2.6
2.7
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 29. Standard errors for fee-for-service plans: Coverage for mental
health care and substance abuse treatment,1 private industry workers,
National Compensation Survey, 2013—continued
Characteristics
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
2.9
4.7
3.0
3.6
3.2
4.6
3.2
–
2.9
5.1
3.4
–
–
3.8
–
3.5
6.4
3.8
3.1
1.3
2.1
2.0
3.3
1.3
2.1
2.2
3.3
1.3
2.2
2.1
4.6
2.4
2.7
2.7
1.7
2.6
2.9
4.6
3.3
2.6
2.9
1.9
3.7
3.0
4.6
2.5
2.6
3.2
1.9
1.8
3.3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
for
Employee
Compensation - March 2013."
Note: For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 30. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2013
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
43
57
–
24
76
–
66
34
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
47
53
43
23
46
52
43
57
51
34
40
53
47
57
77
54
48
57
43
49
66
60
–
–
–
–
–
–
–
–
–
–
–
21
24
20
13
35
41
32
21
–
19
20
79
76
80
87
65
59
68
79
84
81
80
–
–
–
–
–
–
–
–
–
–
–
62
74
56
58
73
74
72
72
61
67
66
38
26
44
42
27
26
28
28
39
33
34
–
–
–
–
–
–
–
–
–
1
( )
1
Full time ...................................................................
Part time ..................................................................
44
–
56
83
–
–
24
–
76
90
–
–
67
34
32
66
(1)
–
Union .......................................................................
Nonunion .................................................................
32
45
68
55
–
–
15
25
85
75
–
–
41
71
59
29
(1)
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
24
50
40
44
35
76
50
60
56
65
–
–
–
–
–
13
26
25
23
18
87
74
75
77
82
–
–
–
–
–
59
62
74
65
57
41
38
26
35
43
–
–
–
(1)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
38
61
31
62
39
69
–
–
–
20
–
–
80
83
–
–
–
–
79
92
75
21
–
25
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
43
42
61
33
–
54
52
57
58
39
67
64
46
48
–
–
–
–
–
–
–
24
24
42
–
–
28
30
76
76
58
86
76
72
70
–
–
–
–
–
–
–
63
62
74
49
–
70
57
37
38
26
51
58
30
43
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
63
32
47
44
44
–
37
68
53
56
56
56
–
–
–
–
–
–
41
–
39
20
25
19
59
79
61
80
75
81
–
–
–
–
–
–
78
33
91
51
49
51
–
67
–
49
51
49
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
39
46
24
46
62
30
61
54
76
54
38
70
–
–
–
–
–
–
19
21
16
28
28
29
81
79
84
72
72
71
–
–
–
–
–
–
69
70
66
63
59
67
31
30
–
37
41
33
–
–
–
1
( )
1
( )
–
46
33
61
–
52
57
–
34
54
67
39
–
48
43
66
66
–
–
–
–
–
–
–
–
–
16
24
–
–
33
45
–
–
84
76
–
80
67
55
79
–
–
–
–
–
–
–
–
–
43
86
86
75
57
88
76
–
57
–
–
–
43
12
24
–
–
–
–
–
–
–
1
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20132014.htm.
Table 30. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2013
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
3.6
3.6
–
2.5
2.5
–
3.3
3.3
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
6.6
4.6
9.1
4.7
5.1
9.3
5.1
6.1
7.8
3.9
6.7
6.6
4.6
9.1
4.7
5.1
9.3
5.1
6.1
7.8
3.9
6.7
–
–
–
–
–
–
–
–
–
–
–
3.9
4.7
4.4
3.0
3.9
9.6
5.7
4.4
–
3.1
4.6
3.9
4.7
4.4
3.0
3.9
9.6
5.7
4.4
5.1
3.1
4.6
–
–
–
–
–
–
–
–
–
–
–
5.2
4.6
6.1
7.7
3.9
6.4
4.5
6.9
8.6
4.7
5.9
5.2
4.6
6.1
7.7
3.9
6.4
4.5
6.9
8.6
4.7
6.0
–
–
–
–
–
–
–
–
–
0.3
0.5
Full time ...................................................................
Part time ..................................................................
3.5
–
3.5
6.4
–
–
2.5
–
2.5
3.7
–
–
3.4
7.1
3.4
7.1
(1)
–
Union .......................................................................
Nonunion .................................................................
7.1
3.3
7.1
3.3
–
–
4.0
3.2
4.0
3.2
–
–
9.0
4.1
9.1
4.1
0.3
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.8
7.2
3.4
4.6
6.3
5.8
7.2
3.4
4.6
6.3
–
–
–
–
–
3.7
4.5
3.9
3.3
3.5
3.7
4.5
3.9
3.3
3.5
–
–
–
–
–
7.6
7.0
3.3
5.8
10.1
7.6
7.0
3.3
5.8
10.1
–
–
–
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.5
9.5
6.5
4.5
9.5
6.5
–
–
–
4.0
–
–
4.0
6.9
–
–
–
–
4.1
4.1
5.3
4.1
–
5.3
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4.2
4.2
5.8
7.5
–
6.0
5.5
4.2
4.2
5.8
7.5
11.1
6.0
5.5
–
–
–
–
–
–
–
2.8
3.7
5.7
–
–
5.6
4.8
2.8
3.7
5.7
4.1
9.9
5.6
4.8
–
–
–
–
–
–
–
3.8
5.6
7.2
8.4
–
5.0
4.5
3.8
5.6
7.2
8.4
12.9
5.0
4.5
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2013—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
8.0
7.8
9.1
11.1
6.3
–
8.0
7.8
9.1
11.1
6.3
13.3
–
–
–
–
–
–
6.3
–
9.5
4.8
7.1
5.6
6.3
8.3
9.5
4.8
7.1
5.6
–
–
–
–
–
–
7.3
7.5
5.4
7.2
8.8
8.5
–
7.5
–
7.2
8.8
8.5
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.6
3.8
5.3
5.0
6.3
5.0
3.6
3.8
5.3
5.0
6.3
5.0
–
–
–
–
–
–
3.4
4.3
4.1
3.7
5.4
5.9
3.4
4.3
4.1
3.7
5.4
5.9
–
–
–
–
–
–
5.8
5.6
11.2
4.9
8.8
4.1
5.8
5.6
–
4.9
8.8
4.1
–
–
–
0.1
0.2
–
13.3
6.0
5.4
–
9.6
10.1
–
4.4
13.3
6.0
5.4
–
9.6
10.1
16.7
4.4
–
–
–
–
–
–
–
–
–
3.4
5.9
–
–
7.7
4.4
–
–
3.4
5.9
–
7.7
7.7
4.4
6.4
–
–
–
–
–
–
–
–
–
8.1
4.6
6.4
7.5
12.5
2.9
6.2
–
8.1
–
–
–
12.5
2.9
6.2
–
–
–
–
–
–
–
0.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 31. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2013
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
66
$1,000
$1,500
$1,750
$2,500
$3,500
34
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
62
74
56
58
72
72
71
72
61
67
65
850
850
1,000
1,250
1,000
1,200
1,000
1,000
1,000
1,050
1,000
1,250
1,000
1,500
1,500
1,250
1,250
1,250
1,500
1,400
1,500
1,500
2,000
1,500
2,000
–
2,000
–
2,000
–
1,500
1,500
1,500
2,500
2,000
2,500
3,000
2,500
2,050
2,500
3,000
2,500
2,500
2,000
3,750
3,500
3,750
3,000
3,700
3,000
5,000
3,000
3,000
3,500
2,500
38
26
44
42
28
28
29
28
39
33
34
–
–
–
–
–
–
–
–
–
(2)
1
Full time ...................................................................
Part time ..................................................................
100
100
67
34
1,000
1,000
1,500
1,500
1,750
1,500
2,500
2,250
3,500
3,000
33
66
(2)
–
Union .......................................................................
Nonunion .................................................................
100
100
40
71
850
1,000
1,000
1,500
1,500
2,000
1,500
2,600
2,500
3,500
59
29
(2)
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
59
61
74
64
57
1,500
1,000
1,000
1,000
1,000
1,500
1,400
1,500
1,250
1,000
–
1,750
1,750
–
1,500
3,000
2,500
3,000
2,250
2,000
3,000
3,000
3,750
3,500
3,000
41
39
26
36
43
–
–
–
(2)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
79
92
75
1,000
1,200
850
1,500
2,000
1,500
2,000
2,850
1,500
3,000
3,000
3,500
4,300
3,000
4,750
21
–
25
(2)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
63
60
74
45
–
70
57
1,000
1,500
1,500
1,050
1,000
750
750
1,400
1,500
1,500
1,500
1,250
1,150
1,000
–
2,000
2,000
1,750
1,500
–
1,500
2,500
2,500
2,500
2,250
1,500
2,200
2,200
3,000
3,000
3,000
3,000
2,100
3,000
3,000
37
40
26
55
58
30
43
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2013—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
100
100
100
100
100
100
78
33
91
51
49
51
$600
750
850
1,000
500
1,000
$1,000
750
1,250
1,400
1,000
1,400
–
–
–
$2,000
–
2,250
$2,200
2,500
2,500
3,000
2,000
3,000
$3,000
3,000
4,250
3,750
3,700
6,900
–
67
–
49
51
49
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
69
70
66
62
58
67
1,000
1,000
1,500
850
1,000
850
1,500
1,500
1,500
1,250
1,500
1,250
2,000
2,250
2,000
1,500
1,500
1,500
3,000
3,000
2,500
2,000
2,400
2,000
3,700
3,700
3,500
3,000
3,500
2,250
31
30
–
38
42
33
–
–
–
(2)
(2)
–
100
100
100
100
100
100
100
100
–
43
85
79
75
57
88
76
1,000
1,000
1,000
2,000
1,000
600
1,250
1,000
1,500
1,500
1,500
2,000
1,050
1,000
1,250
1,500
2,000
2,000
2,000
–
–
1,500
1,500
2,000
2,000
3,000
2,500
6,900
2,500
2,000
2,000
3,000
3,000
4,000
3,500
6,900
2,850
2,400
3,500
3,500
–
57
–
–
–
43
12
24
–
–
–
–
–
–
–
2
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 31. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2013
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
3.4
$27
$101
$438
$276
$218
3.4
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
5.2
4.6
6.1
7.7
4.0
6.5
4.6
6.9
8.6
4.7
6.1
148
72
188
376
73
104
111
39
184
525
388
292
252
249
0
181
319
194
148
547
0
0
592
310
332
–
319
–
224
–
182
102
79
407
751
686
353
49
507
537
422
560
349
297
521
1,477
505
0
1,504
421
1,624
258
329
658
511
5.2
4.6
6.1
7.7
4.0
6.5
4.6
6.9
8.6
4.7
6.1
–
–
–
–
–
–
–
–
–
0.3
0.5
Full time ...................................................................
Part time ..................................................................
3.4
7.1
47
291
101
342
428
437
350
209
176
530
3.4
7.1
(2)
–
Union .......................................................................
Nonunion .................................................................
9.0
4.1
210
0
309
58
0
126
0
552
182
188
9.0
4.1
0.3
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.6
7.0
3.3
5.8
10.1
241
9
188
128
0
0
248
52
253
256
–
445
433
–
0
424
484
470
337
291
816
365
1,018
444
639
7.6
7.0
3.3
5.8
10.1
–
–
–
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.1
4.1
5.3
491
402
505
0
605
0
512
494
292
465
0
815
1,264
695
830
4.1
–
5.3
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.9
5.6
7.2
8.8
–
5.0
4.5
27
185
0
124
323
142
225
216
0
500
307
0
390
159
–
363
0
406
309
–
208
143
153
260
380
0
422
631
619
181
353
444
746
274
0
3.9
5.6
7.2
8.8
12.9
5.0
4.5
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2013—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
7.3
7.5
5.4
7.2
8.8
8.5
$190
0
164
276
0
179
$241
456
246
457
718
439
–
–
–
$312
–
376
$324
687
701
65
1,117
65
$0
0
915
3,915
52
4,108
–
7.5
–
7.2
8.8
8.5
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.8
5.6
11.2
4.9
8.7
4.1
9
0
707
134
217
102
0
145
0
147
79
222
202
449
182
0
0
26
0
129
144
22
370
205
406
361
1,679
506
3,484
150
5.8
5.6
–
4.9
8.7
4.1
–
–
–
0.1
0.2
–
–
8.1
4.8
11.3
7.5
12.5
2.9
6.2
353
400
251
0
0
223
79
27
214
0
239
0
270
225
274
0
0
418
377
–
–
0
316
418
1,228
612
134
4,550
310
182
628
0
2,529
1,992
1,343
0
394
206
500
280
–
8.1
–
–
–
12.5
2.9
6.2
–
–
–
–
–
–
–
0.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 32. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
65
$2,000
$3,000
$4,000
$6,000
$7,400
35
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
61
74
55
58
72
74
72
69
60
66
66
1,550
1,550
2,000
2,600
2,000
2,500
2,000
2,000
2,000
2,000
2,000
3,000
2,000
3,000
3,000
2,500
2,500
2,500
3,000
3,000
3,000
3,000
4,000
3,000
4,000
–
4,000
4,000
4,000
4,000
3,000
3,000
3,000
6,000
5,000
6,000
6,000
6,000
4,500
6,000
5,000
5,000
5,250
4,800
9,500
7,500
11,250
6,000
8,600
7,500
10,000
6,000
6,000
7,000
6,000
39
26
45
42
28
26
28
31
40
34
34
–
–
–
–
–
–
–
–
–
(2)
1
Full time ...................................................................
Part time ..................................................................
100
100
67
34
2,000
2,500
3,000
3,000
4,000
–
6,000
6,750
7,400
7,000
33
66
(2)
–
Union .......................................................................
Nonunion .................................................................
100
100
41
70
1,550
2,000
3,000
3,000
3,000
4,000
4,500
6,000
5,550
7,500
59
30
(2)
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
58
61
73
64
57
3,000
2,000
2,000
2,000
2,000
3,000
2,500
3,000
3,000
3,000
–
4,000
4,000
–
3,000
6,000
6,000
6,000
5,000
5,000
7,500
7,000
9,500
7,000
7,000
42
39
27
36
43
–
–
–
(2)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
78
87
75
1,550
2,000
1,550
3,000
4,000
3,000
–
5,000
3,000
6,000
6,000
7,000
9,500
6,000
9,500
22
–
25
(2)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
63
61
71
49
–
68
55
2,000
2,500
3,000
2,100
2,500
1,500
1,500
3,000
3,000
4,000
2,500
2,500
3,000
2,000
4,000
4,000
4,000
3,500
3,000
–
3,000
6,000
5,000
5,000
4,500
3,000
6,000
6,000
7,000
6,000
6,000
6,750
4,200
7,500
7,500
37
39
29
51
58
32
45
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 32. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
100
100
100
100
100
100
74
32
91
50
46
51
$1,250
1,500
1,550
2,000
1,000
2,400
$2,000
1,500
2,500
3,000
2,000
3,000
$3,000
–
–
–
3,000
–
$4,400
6,500
5,000
6,000
6,000
6,000
$6,500
9,000
10,000
11,250
7,400
20,700
26
68
–
50
54
49
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
69
70
66
62
58
66
2,000
2,000
2,400
1,550
1,550
1,550
3,000
3,000
3,000
3,000
3,000
2,500
4,500
5,000
4,000
3,000
3,000
3,000
6,000
6,000
6,000
4,500
5,000
4,000
8,600
9,000
7,500
6,750
9,000
6,000
31
30
–
38
42
34
–
–
–
(2)
(2)
–
100
100
100
100
100
100
100
100
–
43
84
86
75
57
88
74
2,000
2,000
2,000
3,000
2,000
1,400
2,500
2,300
3,000
3,000
3,000
4,000
2,100
2,000
2,800
3,000
4,000
4,000
4,500
–
–
3,000
3,000
4,000
4,000
6,000
6,000
20,700
7,500
4,000
6,000
6,000
6,000
8,000
9,000
20,700
7,500
4,800
7,000
7,500
–
57
–
–
–
43
12
26
–
–
–
–
–
–
–
2
( )
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 32. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2013
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
3.4
$82
$73
$676
$571
$814
3.4
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Transportation and material moving ....................
5.2
4.6
6.1
7.7
3.9
6.4
4.6
7.1
8.7
4.1
5.9
494
217
337
374
286
334
347
385
575
1,065
668
356
487
0
0
408
365
547
301
1,175
0
0
1,144
528
644
–
243
948
543
1,183
258
274
258
745
1,559
1,009
0
791
1,285
398
0
1,323
918
874
2,918
2,844
4,701
137
2,081
572
2,664
232
999
730
137
5.2
4.6
6.1
7.7
3.9
6.4
4.6
7.1
8.7
4.1
6.0
–
–
–
–
–
–
–
–
–
0.3
0.5
Full time ...................................................................
Part time ..................................................................
3.4
7.1
116
377
82
91
705
–
592
1,795
837
1,661
3.4
7.1
(2)
–
Union .......................................................................
Nonunion .................................................................
9.0
4.1
750
0
347
115
0
0
1,711
0
885
1,333
9.1
4.1
0.3
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.6
7.0
3.6
5.7
10.1
258
18
668
284
0
0
725
163
292
518
–
868
933
–
204
146
759
467
875
948
2,515
744
2,222
730
1,482
7.6
7.0
3.6
5.8
10.1
–
–
–
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.5
6.6
5.3
832
792
1,104
0
1,353
0
–
0
821
1,095
801
795
1,856
0
573
4.5
–
5.3
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.9
5.3
5.4
8.4
–
5.1
4.5
0
546
1,448
181
303
266
335
294
0
0
549
0
894
421
882
91
677
767
532
–
258
1,067
444
247
1,232
0
937
1,816
625
0
577
736
1,389
129
491
3.9
5.3
5.4
8.4
12.9
5.1
4.5
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 32. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2013—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Health care and social assistance ...................
7.5
7.8
5.4
7.1
7.4
8.5
$496
0
493
450
0
621
$467
1,183
398
219
1,434
193
$585
–
–
–
395
–
$1,825
2,981
1,020
897
2,321
876
$1,110
1,936
2,403
12,690
2,006
14,870
7.5
7.8
–
7.1
7.4
8.5
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.8
5.6
11.2
4.9
8.7
4.2
18
0
847
515
893
651
0
402
0
595
0
178
827
895
474
0
218
0
313
491
612
386
793
165
1,839
2,512
2,588
1,043
12,206
1,421
5.8
5.6
–
4.9
8.7
4.2
–
–
–
0.1
0.2
–
–
8.1
5.1
6.4
7.4
12.5
2.9
6.4
683
875
666
0
0
233
0
497
182
0
588
0
540
589
510
0
0
608
877
–
–
0
825
725
2,337
1,140
903
19,728
3,073
182
1,335
0
4,885
3,983
3,405
0
724
377
250
2,066
–
8.1
–
–
–
12.5
2.9
6.4
–
–
–
–
–
–
–
0.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
Mountain ..................................................................
Pacific ......................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a
participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 33. Health maintenance organizations: Coverage for selected services,1
private industry workers, National Compensation Survey, 2013
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
97
94
94
100
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
99
92
99
99
98
100
97
99
99
98
100
90
95
87
98
97
98
96
95
93
96
98
95
90
95
87
98
97
98
96
95
93
96
98
95
100
100
100
100
100
100
100
100
100
100
100
100
Full time ...................................................................
Part time ..................................................................
97
100
94
99
94
99
100
100
Union .......................................................................
Nonunion .................................................................
100
96
98
93
98
93
100
100
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
93
98
98
98
97
89
97
95
97
97
89
97
95
96
100
100
100
100
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
94
100
99
100
99
99
100
99
100
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
99
97
100
93
100
100
93
98
100
100
93
98
97
93
98
100
100
93
98
97
100
100
100
100
100
100
100
Establishment characteristic
See footnotes at end of table.
Table 33. Health maintenance organizations: Coverage for selected services,1
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
100
92
95
96
91
98
99
91
90
94
100
89
98
99
91
90
93
99
89
100
100
100
100
100
100
100
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
99
98
100
95
91
99
94
91
98
94
91
98
94
91
98
94
91
98
100
100
100
100
100
100
–
99
95
100
100
100
99
100
100
–
96
86
100
87
99
98
100
98
–
96
86
100
87
99
98
100
98
100
100
100
100
100
100
100
100
100
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20132014.htm.
Table 33. Standard errors for health maintenance organizations: Coverage for
selected services,1 private industry workers, National Compensation Survey,
2013
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristic
All workers ...............................................................
1.7
2.0
2.0
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.2
0.8
6.5
0.6
0.5
1.6
0.3
2.8
1.1
0.7
1.5
(2)
4.6
2.6
7.0
1.0
1.4
1.6
2.0
1.6
3.0
2.4
1.4
3.8
4.6
2.6
7.0
1.0
1.4
1.6
2.0
1.7
3.0
2.4
1.4
3.8
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Full time ...................................................................
Part time ..................................................................
1.8
(2)
2.1
0.8
2.1
0.8
(2)
(2)
Union .......................................................................
Nonunion .................................................................
(2)
1.9
1.1
2.2
1.1
2.2
(2)
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
6.0
1.0
0.8
1.4
2.8
6.3
1.2
1.6
1.8
2.8
6.3
1.2
1.6
1.8
(2)
(2)
(2)
(2)
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
5.7
(2)
0.7
0.4
1.0
0.7
0.4
1.0
(2)
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.0
0.9
2.6
0.1
6.8
0.3
0.5
2.4
1.3
(2)
0.1
6.8
1.4
1.9
2.4
1.3
(2)
0.1
6.8
1.4
1.9
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Establishment characteristic
See footnotes at end of table.
Table 33. Standard errors for health maintenance organizations: Coverage for
selected services,1 private industry workers, National Compensation Survey,
2013—continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
(2)
1.4
0.2
6.8
2.6
1.4
8.3
2.2
1.4
4.6
7.1
4.9
(2)
8.6
2.2
1.4
4.6
7.1
4.8
0.2
8.6
(2)
(2)
(2)
(2)
(2)
(2)
(2)
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
1.0
0.1
3.2
6.4
0.6
2.1
3.0
1.6
3.2
6.4
1.1
2.1
3.0
1.6
3.2
6.4
1.1
(2)
(2)
(2)
(2)
(2)
(2)
–
0.5
2.9
(2)
(2)
(2)
1.2
0.5
(2)
–
2.4
5.2
(2)
12.6
0.8
1.5
0.5
0.8
–
2.4
5.2
(2)
12.6
0.8
1.5
0.5
0.8
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the availability of
the benefit could not be determined.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20132014.htm.
Table 34. Health maintenance organizations: Coverage for mental health
care and substance abuse treatment,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Inpatient
mental health
care
Inpatient
Inpatient
substance
substance abuse
abuse
rehabilitation
detoxification
Worker characteristic
All workers ...............................................................
84
83
77
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
81
–
96
83
88
81
85
89
89
87
91
79
74
82
93
83
83
84
82
84
86
83
89
–
–
–
82
–
–
–
–
82
79
77
81
Full time ...................................................................
Part time ..................................................................
84
95
83
95
–
94
Union .......................................................................
Nonunion .................................................................
93
83
92
81
90
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
93
86
82
83
–
90
85
78
84
81
77
81
–
–
–
84
85
84
85
82
83
81
90
86
79
79
84
84
86
–
81
91
86
–
–
78
73
–
–
–
88
83
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 34. Health maintenance organizations: Coverage for mental health
care and substance abuse treatment,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Inpatient
mental health
care
Inpatient
Inpatient
substance
substance abuse
abuse
rehabilitation
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
89
96
–
87
89
96
74
88
87
92
–
80
87
89
85
90
81
81
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
81
88
87
85
91
81
88
86
86
85
–
86
82
77
87
84
–
87
97
87
92
84
99
82
95
94
88
80
–
82
93
85
76
Geographic area
New England ...........................................................
East South Central ...................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
Compensation - March 2013."
for
Employee
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 34. Standard errors for health maintenance organizations:
Coverage for mental health care and substance abuse treatment,1 private
industry workers, National Compensation Survey, 2013
Characteristics
Inpatient
mental health
care
Inpatient
Inpatient
substance
substance abuse
abuse
rehabilitation
detoxification
Worker characteristic
All workers ...............................................................
2.2
2.0
2.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
3.8
–
1.5
3.6
4.2
4.6
5.4
4.3
3.7
6.1
4.3
3.6
5.8
4.2
2.6
2.6
4.9
3.5
5.5
5.4
4.0
6.8
4.4
–
–
–
7.5
–
–
–
–
5.2
4.5
7.1
4.8
Full time ...................................................................
Part time ..................................................................
2.3
2.7
2.1
2.7
–
2.9
Union .......................................................................
Nonunion .................................................................
5.0
2.5
3.8
2.6
5.4
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.5
3.8
3.6
3.6
–
3.9
3.4
3.6
3.4
6.4
8.7
4.3
–
–
–
5.4
6.5
2.3
4.9
6.5
7.4
9.4
4.8
6.6
6.1
8.1
2.1
2.9
3.5
–
9.4
4.7
6.5
–
–
2.9
5.3
–
–
–
4.8
6.4
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 34. Standard errors for health maintenance organizations:
Coverage for mental health care and substance abuse treatment,1 private
industry workers, National Compensation Survey, 2013—continued
Characteristics
Inpatient
mental health
care
Inpatient
Inpatient
substance
substance abuse
abuse
rehabilitation
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.6
3.5
–
3.4
5.6
3.5
6.1
3.1
5.7
4.4
–
5.4
5.6
3.9
4.4
3.5
5.3
6.3
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.3
4.2
2.8
4.4
3.3
3.3
4.2
2.9
3.5
4.7
–
4.5
3.8
6.4
3.5
5.4
–
4.4
1.9
6.1
1.7
5.4
0.3
6.6
2.9
3.1
3.5
7.2
–
6.3
5.7
4.9
4.2
Geographic area
New England ...........................................................
East South Central ...................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
Compensation - March 2013."
for
Employee
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 35. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
6
91
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
8
–
10
13
4
–
5
–
–
4
–
–
86
92
83
85
94
98
93
94
93
94
95
93
–
–
–
–
–
–
–
–
–
–
–
–
–
3
7
–
2
2
2
4
4
–
3
1
Full time ...................................................................
Part time ..................................................................
6
–
90
93
–
–
–
1
Union .......................................................................
Nonunion .................................................................
18
4
81
92
–
–
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
6
5
7
–
96
90
91
89
86
–
–
–
–
–
2
–
–
–
4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2
–
3
94
91
94
–
–
–
4
7
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
7
–
–
–
–
2
2
90
96
97
97
92
93
92
–
–
–
–
–
–
–
–
1
1
2
2
5
6
Establishment characteristic
See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
4
93
–
–
17
80
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4
–
6
11
–
–
–
–
–
–
–
–
90
95
87
87
95
98
94
95
93
97
96
99
–
–
–
–
–
–
–
–
–
–
–
–
6
4
7
–
2
2
2
4
4
2
3
1
–
–
–
–
8
–
10
–
–
22
–
30
73
82
68
80
91
95
89
89
90
77
86
70
–
–
–
–
–
–
–
–
–
–
–
–
6
1
8
1
1
2
2
( )
3
1
–
2
( )
–
Full time ...................................................................
Part time ..................................................................
4
–
93
96
–
–
–
1
16
–
80
77
–
–
–
–
Union .......................................................................
Nonunion .................................................................
9
3
89
94
–
–
–
4
47
–
53
–
–
–
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5
3
4
–
97
93
93
92
91
–
–
–
–
–
2
–
–
4
5
–
14
14
–
–
89
79
84
76
67
–
–
–
–
–
(2)
7
–
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
95
91
96
–
–
–
4
7
4
–
–
–
86
90
85
–
–
–
1
6
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4
–
–
–
–
–
–
92
98
98
98
99
93
92
–
–
–
–
–
–
–
–
1
1
2
(2)
6
7
18
–
–
–
–
7
10
79
85
95
92
71
93
90
–
–
–
–
–
–
–
–
(2)
–
(2)
7
(2)
(2)
Establishment characteristic
See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
3
–
15
10
9
16
92
93
94
79
83
89
78
–
–
–
–
–
–
–
8
5
2
7
7
2
6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5
–
–
7
5
10
91
91
93
90
91
89
–
–
–
–
–
–
–
5
1
3
4
1
10
13
–
–
–
–
–
–
10
80
84
96
93
98
87
93
99
89
–
–
–
–
–
–
–
–
–
–
3
2
2
1
7
4
2
( )
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 35. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
12
4
6
14
91
95
96
82
87
92
81
–
–
–
–
–
–
–
9
5
3
6
8
2
6
–
19
–
–
–
20
–
96
79
84
69
72
76
68
–
–
–
–
–
–
–
–
1
( )
8
5
4
9
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
4
–
7
93
90
98
93
95
91
–
–
–
–
–
–
5
6
2
2
3
1
–
–
–
21
20
22
86
92
74
74
70
78
–
–
–
–
–
–
1
1
( )
5
9
1
–
10
–
–
–
–
–
–
–
86
86
97
93
98
87
94
100
96
–
–
–
–
–
–
–
–
–
4
4
2
2
2
8
4
–
2
–
–
–
–
–
–
–
–
24
–
77
88
95
90
83
79
94
76
–
–
–
–
–
–
–
–
–
–
1
5
–
–
(2)
1
(2)
–
2
2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
2 Less than 0.5.
3 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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 35. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
0.8
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
–
2.6
2.9
0.9
–
1.3
–
–
1.1
–
–
1.6
1.8
2.2
3.1
1.0
0.6
1.5
1.2
2.0
1.3
1.2
2.2
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
2.1
–
0.5
0.6
0.5
1.0
1.4
–
0.9
0.6
Full time ...................................................................
Part time ..................................................................
0.8
–
0.8
2.7
–
–
–
0.4
Union .......................................................................
Nonunion .................................................................
4.7
0.7
4.7
1.0
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.4
0.7
1.8
–
1.3
2.0
1.1
1.9
3.7
–
–
–
–
–
0.9
–
–
–
1.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.6
–
0.7
0.9
2.5
1.1
–
–
–
0.8
2.3
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
–
–
–
–
0.4
0.4
1.0
1.2
1.6
0.8
2.9
1.1
1.4
–
–
–
–
–
–
–
–
0.5
0.6
0.9
1.6
1.0
1.2
Establishment characteristic
See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.6
0.8
–
–
3.1
1.9
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.0
–
1.2
2.4
–
–
–
–
–
–
–
–
1.5
1.4
2.3
2.7
1.2
0.6
1.6
1.3
2.3
0.8
1.2
0.8
–
–
–
–
–
–
–
–
–
–
–
–
1.3
1.0
1.9
–
0.5
0.6
0.6
1.1
1.8
0.7
1.0
0.7
–
–
–
–
2.2
–
2.9
–
–
6.1
–
8.2
3.9
6.2
5.4
9.1
2.3
2.5
3.0
2.2
3.6
6.1
4.4
8.2
–
–
–
–
–
–
–
–
–
–
–
–
4.2
0.4
6.5
0.6
0.5
1.6
0.3
2.8
1.1
–
0.5
–
Full time ...................................................................
Part time ..................................................................
0.6
–
0.9
1.6
–
–
–
0.5
2.8
–
1.9
10.6
–
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
0.6
2.8
0.9
–
–
–
0.6
9.1
–
9.1
–
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.4
0.6
0.9
–
1.0
1.8
1.3
1.2
1.8
–
–
–
–
–
1.0
–
–
1.2
1.6
–
4.0
2.7
–
–
6.2
6.6
2.3
6.7
12.2
–
–
–
–
–
(3)
6.0
–
0.7
1.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.0
2.2
1.1
–
–
–
0.9
2.1
1.0
–
–
–
3.3
5.7
5.2
–
–
–
1.5
5.7
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
–
–
–
–
–
–
1.0
0.8
1.6
0.9
1.0
1.3
1.6
–
–
–
–
–
–
–
–
0.5
0.8
1.1
0.3
1.2
1.4
3.5
–
–
–
–
1.6
1.8
2.2
4.8
2.9
5.3
11.3
1.6
1.8
–
–
–
–
–
–
–
–
(3)
–
0.1
6.8
0.3
0.5
Establishment characteristic
See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
0.4
–
2.7
2.5
1.5
3.1
1.9
2.5
2.5
2.4
2.7
1.8
2.7
–
–
–
–
–
–
–
1.9
2.4
1.1
2.2
1.4
1.0
2.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.2
–
–
1.0
1.1
1.7
1.3
1.5
3.7
1.1
1.8
1.7
–
–
–
–
–
–
–
1.1
0.6
0.7
1.3
0.5
2.2
3.9
–
–
–
–
–
–
1.3
7.3
3.7
1.3
3.9
0.6
3.0
4.1
0.5
1.5
–
–
–
–
–
–
–
–
–
–
0.6
0.8
1.4
0.6
1.8
2.4
0.1
0.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 35. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
2.1
1.0
1.4
2.4
2.2
3.0
2.0
2.8
1.7
1.9
3.3
–
–
–
–
–
–
–
2.2
2.7
1.3
2.0
1.6
1.2
2.3
–
4.5
–
–
–
3.7
–
2.0
4.7
6.7
5.2
7.9
4.2
6.1
–
–
–
–
–
–
–
–
1.4
0.2
6.8
2.6
1.4
8.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.8
–
1.5
1.3
1.8
0.8
1.0
1.3
1.6
–
–
–
–
–
–
1.0
1.4
0.8
0.5
0.9
0.5
–
–
–
3.1
4.7
4.0
5.1
2.2
13.0
3.8
6.6
4.0
–
–
–
–
–
–
0.5
0.8
0.1
3.2
6.4
0.6
–
2.3
–
–
–
–
–
–
–
4.5
1.8
1.5
4.2
0.6
2.8
3.4
0.1
1.6
–
–
–
–
–
–
–
–
–
2.0
0.7
0.7
1.5
0.6
2.2
2.5
–
1.3
–
–
–
–
–
–
–
–
3.4
–
10.6
4.1
3.4
4.4
6.8
17.1
2.7
3.4
–
–
–
–
–
–
–
–
–
–
0.5
2.9
–
–
3
( )
1.2
0.5
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
9
82
–
9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
11
7
13
16
6
2
8
6
8
6
–
8
78
85
73
79
86
92
82
87
84
84
87
81
–
–
–
–
–
–
–
–
–
–
–
–
12
8
14
5
8
6
9
6
8
9
8
11
Full time ...................................................................
Part time ..................................................................
9
–
82
78
–
–
9
14
Union .......................................................................
Nonunion .................................................................
19
7
78
83
–
–
3
10
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6
9
8
10
12
83
81
84
81
79
–
–
–
–
–
11
11
8
9
10
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
5
88
87
88
–
–
–
7
8
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
10
5
–
–
12
4
5
80
87
86
91
84
89
88
–
–
–
–
–
–
–
10
8
10
6
3
7
6
Establishment characteristic
See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
4
86
–
10
28
66
–
6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6
1
8
11
4
–
5
–
–
–
–
–
82
90
78
82
87
93
84
90
86
89
90
87
–
–
–
–
–
–
–
–
–
–
–
–
12
9
14
6
9
7
11
7
9
10
8
12
30
29
31
32
19
13
21
23
–
36
30
40
60
66
57
67
78
86
75
72
74
60
67
55
–
–
–
–
–
–
–
–
–
–
–
–
10
5
13
2
3
2
4
5
7
4
2
5
Full time ...................................................................
Part time ..................................................................
4
–
86
80
–
–
9
16
27
34
66
65
–
–
6
1
Union .......................................................................
Nonunion .................................................................
10
3
87
86
–
–
3
11
50
23
48
70
–
–
2
7
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5
4
5
–
86
85
87
86
83
–
–
–
–
–
12
10
9
9
11
30
24
25
32
37
67
65
72
62
60
–
–
–
–
–
3
11
3
5
3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
90
89
90
–
–
–
8
9
8
24
22
24
75
78
74
–
–
–
1
(3)
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
5
–
–
–
–
–
–
84
90
85
93
93
90
89
–
–
–
–
–
–
–
11
9
13
7
2
7
7
29
26
–
23
40
–
15
65
72
87
76
53
86
82
–
–
–
–
–
–
–
7
2
–
(3)
7
2
3
Establishment characteristic
See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
10
16
18
16
16
89
87
79
71
76
83
70
–
–
–
–
–
–
–
9
3
11
13
6
1
15
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
8
7
9
9
7
13
81
80
82
83
83
83
–
–
–
–
–
–
11
12
8
8
10
4
14
19
–
–
–
8
–
–
15
73
77
82
87
93
77
77
97
82
–
–
–
–
–
–
–
–
–
13
4
14
7
6
14
19
1
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 36. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
13
11
10
13
90
89
84
73
83
88
71
–
–
–
–
–
–
–
10
3
11
14
6
2
16
–
–
35
27
38
39
–
85
77
57
63
57
61
64
–
–
–
–
–
–
–
2
1
9
10
6
–
11
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
6
–
8
85
84
89
86
85
87
–
–
–
–
–
–
12
13
10
8
11
5
29
24
38
27
22
32
65
67
60
68
69
66
–
–
–
–
–
–
6
9
2
6
9
2
–
13
–
–
–
–
–
–
–
82
84
83
87
94
78
–
99
95
–
–
–
–
–
–
–
–
–
7
3
14
8
6
17
–
1
4
–
36
–
–
–
24
–
–
41
–
59
80
95
73
75
64
89
57
–
–
–
–
–
–
–
–
–
–
4
14
–
13
1
2
3
( )
2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
3 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
1.1
–
0.9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.6
1.0
2.4
3.0
0.9
0.4
1.4
1.3
2.0
1.0
–
2.1
1.8
1.3
2.7
3.7
1.5
1.8
2.0
1.7
2.5
1.5
1.9
3.3
–
–
–
–
–
–
–
–
–
–
–
–
1.9
1.1
2.8
1.6
1.2
1.7
1.6
1.1
1.8
1.2
1.4
2.5
Full time ...................................................................
Part time ..................................................................
0.8
–
1.1
6.1
–
–
0.9
6.3
Union .......................................................................
Nonunion .................................................................
4.1
0.8
3.9
1.3
–
–
0.8
1.1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.6
1.4
0.9
1.6
2.9
3.0
2.0
1.2
1.9
3.4
–
–
–
–
–
2.6
1.9
1.1
1.4
2.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.8
1.3
1.0
1.2
2.4
1.3
–
–
–
1.0
2.2
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
0.8
–
–
3.5
1.1
1.4
1.4
1.6
3.4
1.5
3.9
1.8
2.0
–
–
–
–
–
–
–
1.2
1.3
2.3
1.2
1.8
1.1
1.1
Establishment characteristic
See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.7
1.2
–
1.1
2.7
2.1
–
2.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.2
0.3
1.9
2.4
1.0
–
1.5
–
–
–
–
–
2.1
1.5
3.3
3.6
1.6
1.9
2.2
1.5
2.6
1.5
1.6
3.1
–
–
–
–
–
–
–
–
–
–
–
–
2.1
1.4
3.0
2.0
1.4
1.9
1.8
1.4
2.3
1.4
1.5
3.0
5.4
4.0
7.5
9.2
1.9
3.6
2.8
6.0
–
4.3
8.6
5.9
4.1
4.2
5.5
9.3
2.4
4.1
3.4
6.1
7.4
5.0
8.8
6.4
–
–
–
–
–
–
–
–
–
–
–
–
4.6
2.6
7.0
1.0
1.4
1.6
2.0
1.6
3.0
2.4
1.4
3.8
Full time ...................................................................
Part time ..................................................................
0.8
–
1.2
6.9
–
–
1.0
7.1
2.7
8.1
2.2
8.2
–
–
2.1
0.8
Union .......................................................................
Nonunion .................................................................
2.3
0.8
2.4
1.4
–
–
1.0
1.2
7.2
2.5
7.2
3.0
–
–
1.1
2.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.4
0.9
1.1
–
3.0
2.2
1.4
1.9
3.1
–
–
–
–
–
2.9
1.8
1.4
1.7
2.6
8.0
5.0
3.2
4.4
6.9
8.3
5.5
2.8
4.0
6.6
–
–
–
–
–
2.8
6.3
1.2
1.6
1.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.3
2.8
1.5
–
–
–
1.2
2.7
1.4
4.2
4.4
6.1
4.3
4.5
6.2
–
–
–
0.7
0.4
1.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
–
–
–
–
–
–
1.6
1.7
3.2
1.4
2.2
2.0
2.1
–
–
–
–
–
–
–
1.4
1.6
2.8
1.4
1.2
1.3
1.3
3.2
2.9
–
6.1
10.6
–
4.1
2.4
3.4
11.0
6.1
12.1
4.0
4.5
–
–
–
–
–
–
–
2.4
1.3
–
0.1
6.8
1.4
1.9
Establishment characteristic
See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
2.7
2.3
3.9
2.7
2.7
1.9
3.6
3.6
3.2
4.9
2.9
3.7
–
–
–
–
–
–
–
1.7
1.5
2.3
3.4
2.6
0.9
4.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.1
1.5
2.7
1.1
1.5
1.7
1.7
1.9
3.7
1.4
2.4
1.9
–
–
–
–
–
–
1.6
1.7
3.2
1.1
1.9
0.9
3.5
3.6
–
–
–
2.2
–
–
1.5
7.9
3.3
2.3
3.2
1.6
3.9
5.6
1.8
2.1
–
–
–
–
–
–
–
–
–
5.6
0.8
2.0
1.0
1.5
3.3
5.1
0.7
1.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 36. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
2.0
3.3
1.9
2.2
2.0
4.1
4.7
3.9
4.8
2.5
4.5
–
–
–
–
–
–
–
2.0
1.7
2.9
3.7
3.1
1.2
4.2
–
–
8.2
8.1
6.4
8.1
–
6.1
7.1
8.3
5.5
7.7
8.1
6.3
–
–
–
–
–
–
–
2.2
1.4
4.6
7.1
4.9
–
8.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1.1
–
1.6
2.1
2.2
4.0
1.6
2.6
1.9
–
–
–
–
–
–
2.0
2.0
4.0
1.2
1.9
1.1
3.6
3.6
7.1
3.3
4.1
4.2
3.3
3.8
7.0
3.3
6.4
4.4
–
–
–
–
–
–
2.1
3.0
1.6
3.2
6.4
1.1
–
2.5
–
–
–
–
–
–
–
5.8
2.3
2.4
3.4
1.5
4.7
–
0.9
1.8
–
–
–
–
–
–
–
–
–
3.9
0.8
2.2
1.0
1.5
4.0
–
0.9
1.8
–
5.5
–
–
–
7.0
–
–
5.4
–
5.4
4.9
3.4
12.0
7.2
16.9
5.6
4.9
–
–
–
–
–
–
–
–
–
–
2.4
5.2
–
12.6
0.8
1.5
0.5
0.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
7
84
–
9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
9
5
12
14
5
–
7
4
6
4
–
5
79
87
74
81
86
93
83
90
85
87
89
84
–
–
–
–
–
–
–
–
–
–
–
–
12
8
14
5
8
6
10
6
8
9
8
11
Full time ...................................................................
Part time ..................................................................
7
–
84
78
–
–
9
14
Union .......................................................................
Nonunion .................................................................
17
6
79
84
–
–
3
10
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
7
7
9
11
86
83
85
83
79
–
–
–
–
–
10
10
8
9
10
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3
–
4
90
90
89
–
–
–
7
8
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
8
4
–
–
–
3
3
82
88
85
91
89
90
90
–
–
–
–
–
–
–
10
8
12
6
3
7
6
Establishment characteristic
See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
4
86
–
10
20
74
–
6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6
2
8
11
3
–
5
–
–
–
–
–
82
89
78
83
87
93
84
91
87
89
90
88
–
–
–
–
–
–
–
–
–
–
–
–
12
9
14
6
9
6
11
7
9
10
8
12
24
15
28
27
13
–
16
–
–
20
–
23
66
80
59
72
83
92
80
82
78
76
81
71
–
–
–
–
–
–
–
–
–
–
–
–
10
5
13
2
3
2
4
5
7
4
2
5
Full time ...................................................................
Part time ..................................................................
4
–
86
80
–
–
9
16
19
36
74
63
–
–
6
1
Union .......................................................................
Nonunion .................................................................
10
3
87
86
–
–
3
11
44
15
54
78
–
–
2
7
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5
4
5
6
87
85
86
86
83
–
–
–
–
–
12
10
9
9
11
–
16
18
25
32
78
72
79
70
65
–
–
–
–
–
3
11
3
5
4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
90
89
90
–
–
–
8
9
8
–
–
–
85
96
81
–
–
–
1
(3)
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
5
–
–
–
–
2
3
85
90
83
93
96
90
90
–
–
–
–
–
–
–
10
10
16
7
2
7
7
21
19
–
–
–
–
–
72
79
95
80
66
92
89
–
–
–
–
–
–
–
7
2
–
(3)
7
2
3
Establishment characteristic
See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
5
–
16
12
13
17
90
92
82
72
82
85
70
–
–
–
–
–
–
–
9
3
11
12
6
2
13
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5
6
–
9
5
13
84
82
87
84
84
83
–
–
–
–
–
–
11
13
8
7
10
4
14
16
–
–
1
8
–
–
10
74
80
84
86
93
77
78
97
87
–
–
–
–
–
–
–
–
–
13
4
13
8
6
15
19
2
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 37. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
13
6
9
14
90
94
84
74
88
89
72
–
–
–
–
–
–
–
10
3
11
13
6
2
14
–
–
–
–
28
30
–
93
85
73
63
66
69
63
–
–
–
–
–
–
–
2
1
9
10
7
1
11
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
6
–
9
85
84
90
86
86
86
–
–
–
–
–
–
13
14
10
8
10
4
17
17
–
23
15
31
76
75
79
71
76
67
–
–
–
–
–
–
6
9
2
6
9
2
–
11
–
–
1
–
–
–
1
82
85
84
86
94
77
–
98
96
–
–
–
–
–
–
–
–
–
7
3
13
8
6
17
–
2
4
–
30
3
–
–
20
–
–
25
–
65
83
85
86
79
78
92
73
–
–
–
–
–
–
–
–
–
–
4
14
–
13
1
2
3
( )
2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
3 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, National Compensation Survey,
2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
1.1
–
0.9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.6
0.8
2.4
2.6
0.9
–
1.3
1.1
1.8
0.9
–
1.4
1.8
1.3
2.8
3.5
1.5
1.9
2.0
1.5
2.4
1.5
1.8
2.8
–
–
–
–
–
–
–
–
–
–
–
–
1.9
1.1
2.8
1.5
1.2
1.7
1.7
1.1
1.8
1.1
1.4
2.2
Full time ...................................................................
Part time ..................................................................
0.8
–
1.1
6.3
–
–
0.8
6.2
Union .......................................................................
Nonunion .................................................................
4.1
0.8
3.9
1.3
–
–
0.9
1.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.4
0.9
1.6
2.9
2.8
2.0
1.3
1.8
3.3
–
–
–
–
–
2.5
1.9
1.1
1.4
2.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.7
–
0.8
1.2
2.4
1.5
–
–
–
1.0
2.2
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.0
–
–
–
0.5
0.6
1.4
1.7
2.6
1.8
4.3
1.3
1.3
–
–
–
–
–
–
–
1.1
1.3
2.1
1.2
1.8
1.1
1.1
Establishment characteristic
See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.7
1.2
–
1.0
2.8
2.2
–
2.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.2
0.4
1.9
2.4
1.0
–
1.5
–
–
–
–
–
2.1
1.5
3.2
3.5
1.6
1.9
2.2
1.5
2.6
1.4
1.6
2.8
–
–
–
–
–
–
–
–
–
–
–
–
2.0
1.4
3.0
1.9
1.3
1.9
1.9
1.4
2.3
1.3
1.5
2.7
5.4
3.2
7.7
5.7
2.1
–
2.6
–
–
4.5
–
6.1
3.8
3.9
5.4
5.9
2.4
3.5
3.1
5.7
6.8
5.4
6.6
7.3
–
–
–
–
–
–
–
–
–
–
–
–
4.6
2.6
7.0
1.0
1.4
1.6
2.0
1.7
3.0
2.4
1.4
3.8
Full time ...................................................................
Part time ..................................................................
0.7
–
1.2
7.0
–
–
0.9
7.1
2.7
8.7
2.3
8.8
–
–
2.1
0.8
Union .......................................................................
Nonunion .................................................................
2.4
0.8
2.4
1.3
–
–
1.1
1.2
8.3
2.2
8.0
3.0
–
–
1.1
2.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.4
0.9
1.0
1.6
2.8
2.2
1.4
1.8
3.1
–
–
–
–
–
2.8
1.8
1.4
1.7
2.6
–
4.4
3.4
4.4
7.6
6.7
5.2
3.6
4.1
7.0
–
–
–
–
–
2.8
6.3
1.2
1.6
1.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.3
2.8
1.5
–
–
–
1.2
2.7
1.4
–
–
–
4.5
2.0
6.1
–
–
–
0.7
0.4
1.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
–
–
–
–
0.4
0.4
1.5
1.7
3.2
1.4
1.8
1.3
1.3
–
–
–
–
–
–
–
1.3
1.5
2.8
1.4
1.2
1.3
1.3
3.3
3.6
–
–
–
–
–
2.6
3.9
3.2
7.6
13.4
2.6
3.4
–
–
–
–
–
–
–
2.4
1.3
–
0.1
6.8
1.4
1.9
Establishment characteristic
See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, National Compensation Survey,
2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
1.3
–
2.3
2.2
1.8
2.7
1.8
2.0
3.8
3.1
3.2
2.1
3.6
–
–
–
–
–
–
–
1.7
1.5
2.3
3.3
2.6
0.9
3.9
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.0
1.5
–
1.2
1.5
1.8
1.8
1.9
3.7
1.4
2.3
2.0
–
–
–
–
–
–
1.6
1.7
3.2
1.0
1.8
0.9
3.4
3.7
–
–
0.1
2.2
–
–
1.5
8.1
3.4
2.2
3.0
1.5
4.0
5.7
0.6
2.2
–
–
–
–
–
–
–
–
–
5.6
0.9
1.9
1.0
1.5
3.1
5.1
0.3
1.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 37. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
2.0
1.2
1.7
2.3
2.0
2.0
4.7
3.8
3.0
2.3
4.4
–
–
–
–
–
–
–
2.0
1.7
2.9
3.6
3.1
1.2
4.1
–
–
–
–
6.9
5.8
–
5.3
3.9
7.6
5.6
7.0
5.9
6.7
–
–
–
–
–
–
–
2.2
1.4
4.6
7.1
4.8
0.2
8.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1.1
–
1.6
2.1
2.2
4.0
1.5
2.5
2.0
–
–
–
–
–
–
2.0
2.0
4.0
1.1
1.8
1.1
3.7
4.0
–
3.8
3.8
5.4
3.7
4.0
8.7
3.9
6.3
5.5
–
–
–
–
–
–
2.1
3.0
1.6
3.2
6.4
1.1
–
2.3
–
–
0.1
–
–
–
0.2
5.5
1.9
2.3
3.2
1.5
4.4
–
0.4
1.7
–
–
–
–
–
–
–
–
–
3.9
0.9
2.1
1.2
1.5
3.8
–
0.3
1.8
–
7.6
0.8
–
–
5.4
–
–
4.3
–
8.4
4.6
6.9
12.6
5.4
17.5
4.2
3.9
–
–
–
–
–
–
–
–
–
–
2.4
5.2
–
12.6
0.8
1.5
0.5
0.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 38. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1
98
–
–
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1
–
2
2
–
–
–
–
–
–
–
–
99
99
98
96
98
98
97
99
100
97
99
95
–
–
–
–
–
–
–
–
–
–
–
–
( )
–
(2)
2
1
1
1
(2)
–
2
–
4
Full time ...................................................................
Part time ..................................................................
1
–
98
95
–
–
–
4
Union .......................................................................
Nonunion .................................................................
–
1
95
98
–
–
2
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
1
–
97
97
98
99
99
–
–
–
–
–
3
1
(2)
(2)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
98
99
98
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1
–
–
–
–
–
–
98
97
95
97
98
100
100
–
–
–
–
–
–
–
–
2
3
2
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1
98
–
–
2
–
98
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1
–
–
–
–
–
–
–
–
–
–
–
99
99
99
95
97
98
97
99
100
97
99
94
–
–
–
–
–
–
–
–
–
–
–
–
( )
–
(2)
2
1
2
1
2
( )
–
2
–
5
–
–
–
–
–
–
–
–
–
–
–
–
97
99
96
99
99
97
99
100
100
97
97
98
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
98
95
–
–
1
4
2
–
98
95
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
95
98
–
–
2
1
–
–
96
98
–
–
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
1
–
96
96
98
99
100
–
–
–
–
–
3
2
(2)
(2)
–
–
–
–
–
–
100
99
97
97
96
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
99
98
99
–
–
–
–
–
–
–
–
–
95
100
93
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
97
97
94
97
100
100
100
–
–
–
–
–
–
–
1
2
4
3
–
–
–
–
–
–
–
–
–
–
99
99
100
96
93
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
100
99
100
95
99
99
94
–
–
–
–
–
–
–
–
–
–
1
–
–
2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
2
–
–
98
98
99
97
97
98
–
–
–
–
–
–
1
(2)
1
1
1
(2)
–
–
–
–
–
1
–
–
–
97
98
97
96
99
98
96
99
98
–
–
–
–
–
–
–
–
–
–
1
2
2
( )
2
( )
(2)
3
–
(2)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 38. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
100
99
100
94
99
99
93
–
–
–
–
–
–
–
–
–
–
2
–
–
2
–
–
–
–
–
–
–
100
99
98
100
99
99
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
2
–
–
98
98
99
97
97
98
–
–
–
–
–
–
1
1
1
1
2
1
–
–
–
–
–
–
98
97
99
98
100
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
96
97
98
96
99
98
96
99
97
–
–
–
–
–
–
–
–
–
–
1
2
(2)
2
( )
(2)
3
–
(2)
–
–
–
–
–
–
–
–
–
97
98
96
100
100
96
99
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
2 Less than 0.5.
3 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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 38. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.4
0.5
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.4
–
0.5
0.7
–
–
–
–
–
–
–
–
0.4
0.2
0.5
1.0
0.9
0.9
1.2
0.3
0.2
1.1
0.9
1.8
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
0.1
0.6
0.4
0.7
0.3
0.1
–
0.8
–
1.6
Full time ...................................................................
Part time ..................................................................
0.4
–
0.5
2.2
–
–
–
1.9
Union .......................................................................
Nonunion .................................................................
–
0.4
1.2
0.5
–
–
0.9
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
0.3
–
1.4
0.9
0.7
0.3
0.5
–
–
–
–
–
1.4
0.5
0.1
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.7
0.6
0.7
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
–
–
–
–
–
–
0.6
1.0
3.0
1.4
1.5
0.2
0.3
–
–
–
–
–
–
–
–
0.7
2.0
1.2
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.4
0.5
–
–
–
0.6
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.3
–
–
–
–
–
–
–
–
–
–
–
0.3
0.3
0.4
1.2
1.0
0.9
1.4
0.4
0.2
1.3
0.9
2.2
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
0.2
0.8
0.5
0.9
0.4
0.1
–
0.9
–
2.0
–
–
–
–
–
–
–
–
–
–
–
–
1.2
0.4
1.8
0.9
0.7
2.1
0.4
(2)
(2)
1.6
2.1
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
0.6
2.4
–
–
0.3
2.2
0.6
–
0.6
3.5
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
1.5
0.5
–
–
1.1
0.3
–
–
1.9
0.7
–
–
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
0.2
–
1.7
1.2
0.8
0.2
0.2
–
–
–
–
–
1.7
0.7
0.2
0.1
–
–
–
–
–
–
(2)
0.5
0.9
1.2
2.4
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.8
0.7
0.7
–
–
–
–
–
–
–
–
–
1.5
(2)
2.0
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
0.6
1.1
3.9
1.4
0.3
0.2
0.3
–
–
–
–
–
–
–
0.4
0.9
2.6
1.4
–
–
–
–
–
–
–
–
–
–
0.7
1.0
(2)
2.4
6.8
0.3
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
(2)
0.7
0.4
1.7
0.7
0.7
2.0
–
–
–
–
–
–
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.4
–
–
0.7
0.9
0.5
0.5
0.8
0.7
–
–
–
–
–
–
0.3
0.3
0.4
0.4
0.7
0.3
–
–
–
–
–
0.2
–
–
–
2.4
0.7
1.2
3.7
0.2
0.4
2.8
0.6
1.1
–
–
–
–
–
–
–
–
–
–
0.1
1.1
0.1
0.2
0.3
1.9
–
(2)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 38. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
(2)
0.8
0.1
2.1
0.7
0.9
2.5
–
–
–
–
–
–
–
–
–
–
1.1
–
–
1.3
–
–
–
–
–
–
–
(2)
1.4
1.4
0.2
1.0
0.6
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.4
–
–
0.8
1.0
0.5
0.6
1.0
0.8
–
–
–
–
–
–
0.3
0.3
0.5
0.5
0.8
0.4
–
–
–
–
–
–
1.1
1.6
0.7
0.7
(2)
1.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
–
–
3.4
0.7
1.2
4.0
0.2
0.4
3.0
0.6
1.7
–
–
–
–
–
–
–
–
–
–
0.1
1.2
0.1
0.2
0.4
2.0
–
0.1
–
–
–
–
–
–
–
–
–
2.8
1.2
3.5
(2)
(2)
1.3
1.2
0.7
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
2 Less than 0.05.
3 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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
4
78
1
17
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6
2
9
2
–
2
–
–
–
–
–
76
83
74
81
86
78
83
81
80
85
74
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12
–
14
15
15
12
19
Full time ...................................................................
Part time ..................................................................
4
–
78
87
1
–
17
7
Union .......................................................................
Nonunion .................................................................
15
3
74
79
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4
3
6
–
80
78
79
79
76
–
–
–
–
–
16
–
–
–
16
2
–
2
5
–
–
–
–
1
1
82
78
83
77
81
–
87
83
85
85
–
–
–
–
–
–
–
–
–
–
–
19
–
–
15
–
12
15
–
–
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
3
80
–
–
12
73
–
–
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3
–
6
–
–
–
–
–
–
–
–
79
86
74
81
87
79
83
80
81
85
–
–
–
–
–
–
–
–
–
–
–
–
–
13
–
16
12
18
14
16
16
12
–
–
–
–
5
–
5
–
–
–
2
–
–
74
74
79
85
76
81
85
77
85
71
–
–
–
–
–
–
–
–
–
–
–
–
19
3
17
12
19
15
11
10
–
8
Full time ...................................................................
Part time ..................................................................
2
–
79
89
–
–
–
8
11
–
72
77
–
–
–
5
Union .......................................................................
Nonunion .................................................................
7
2
81
80
–
–
–
–
42
6
51
77
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2
3
4
80
78
79
81
82
–
–
–
–
–
18
18
–
–
–
–
–
7
–
–
82
75
74
67
–
–
–
–
–
–
7
14
–
17
–
2
–
–
3
–
–
–
–
–
–
83
–
83
79
82
–
88
85
85
86
–
–
–
–
–
–
–
–
–
–
–
–
14
–
15
–
11
14
14
13
2
–
2
14
–
–
–
–
–
7
82
–
83
71
73
82
76
77
86
79
–
–
–
–
–
–
–
–
–
–
16
–
15
–
14
15
17
19
9
–
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
12
86
84
–
70
–
–
–
–
13
13
–
–
–
–
–
71
–
–
–
16
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
6
3
9
–
82
80
81
79
–
–
–
–
–
–
12
–
–
–
5
–
–
–
–
–
–
–
7
77
70
81
85
87
–
79
85
82
–
–
–
–
–
–
–
–
–
–
17
18
12
12
–
19
14
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 39. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
9
86
84
81
72
–
–
–
–
14
15
19
–
–
–
–
–
86
86
–
65
–
–
–
–
11
4
–
12
–
10
–
72
–
–
–
–
25
–
62
67
–
–
13
10
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
4
1
7
–
87
82
83
80
–
–
–
–
–
–
11
–
–
–
–
–
13
–
16
71
64
74
74
74
–
–
–
–
–
18
12
–
15
–
–
8
–
–
–
–
–
–
–
76
76
82
86
88
–
–
85
87
–
–
–
–
–
–
–
–
–
18
–
16
11
11
–
–
14
11
–
–
–
–
–
–
–
–
17
80
–
–
–
–
80
95
82
74
–
–
–
–
–
–
–
–
–
14
–
–
–
–
13
2
13
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 39. Standard errors for inpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
1.1
0.2
0.7
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.7
0.5
2.4
0.5
–
0.6
–
–
–
–
–
2.1
1.6
3.4
1.3
2.2
1.8
2.0
2.3
2.5
3.3
3.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
1.9
2.3
1.9
2.6
2.6
Full time ...................................................................
Part time ..................................................................
0.7
–
1.1
3.8
0.2
–
0.8
3.1
Union .......................................................................
Nonunion .................................................................
4.0
0.4
3.7
1.0
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1.2
0.6
1.6
–
2.2
1.8
1.6
1.9
3.8
–
–
–
–
–
2.2
–
–
–
2.4
0.3
–
0.5
1.0
–
–
–
–
0.3
0.3
2.0
3.3
2.5
1.2
1.7
–
1.9
5.4
1.2
1.4
–
–
–
–
–
–
–
–
–
–
–
3.0
–
–
1.3
–
2.0
5.2
–
–
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.5
1.0
–
–
3.2
4.0
–
–
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
–
1.8
–
–
–
–
–
–
–
–
1.8
1.7
4.1
1.3
2.3
1.8
2.2
3.0
2.6
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
–
1.3
2.2
1.8
2.2
2.9
2.1
2.6
–
–
–
–
1.2
–
1.3
–
–
–
0.5
–
–
4.7
8.8
3.9
4.8
4.7
5.5
4.9
7.3
6.2
9.9
–
–
–
–
–
–
–
–
–
–
–
–
3.8
1.2
3.6
4.2
4.6
5.4
4.3
3.7
–
4.2
Full time ...................................................................
Part time ..................................................................
0.5
–
1.2
3.8
–
–
–
3.5
2.9
–
3.9
10.5
–
–
–
2.7
Union .......................................................................
Nonunion .................................................................
1.6
0.5
2.8
1.1
–
–
–
–
9.6
1.1
8.5
2.9
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.5
0.5
0.9
2.4
2.0
1.8
1.7
2.7
–
–
–
–
–
2.3
1.8
–
–
–
–
–
1.9
–
–
5.9
5.5
3.9
6.4
–
–
–
–
–
–
3.5
3.7
–
3.6
–
0.3
–
–
0.6
–
–
–
–
–
–
2.1
–
2.7
1.2
1.9
–
2.4
6.2
1.6
1.9
–
–
–
–
–
–
–
–
–
–
–
–
2.4
–
1.7
–
2.3
6.1
1.8
2.0
0.4
–
0.3
3.7
–
–
–
–
–
1.7
5.4
–
6.6
4.5
5.4
6.5
8.0
10.2
5.0
6.4
–
–
–
–
–
–
–
–
–
–
5.4
–
6.5
–
4.9
6.2
7.4
9.4
4.7
–
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
3.2
2.5
4.0
–
3.9
–
–
–
–
2.6
4.0
–
–
–
–
–
4.4
–
–
–
2.9
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
0.8
0.7
1.5
–
4.1
1.3
2.1
2.3
–
–
–
–
–
–
2.4
–
–
–
1.3
–
–
–
–
–
–
–
1.3
4.1
3.7
2.4
1.1
2.1
–
2.3
1.6
2.3
–
–
–
–
–
–
–
–
–
–
2.1
1.8
2.2
2.4
–
1.7
1.1
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 39. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
2.0
2.8
4.5
3.0
3.9
–
–
–
–
2.9
4.7
3.0
–
–
–
–
–
5.8
5.0
–
12.0
–
–
–
–
5.6
3.5
–
3.2
–
2.3
–
4.2
–
–
–
–
4.4
–
6.4
14.5
–
–
5.6
3.6
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
0.8
0.4
1.8
–
3.1
1.4
2.2
2.7
–
–
–
–
–
–
3.0
–
–
–
–
–
2.2
–
2.5
5.6
11.7
3.8
6.3
4.1
–
–
–
–
–
3.3
4.2
–
4.2
–
–
1.6
–
–
–
–
–
–
–
5.3
3.2
2.7
2.7
1.8
–
–
2.6
3.1
–
–
–
–
–
–
–
–
–
4.5
–
2.2
3.4
2.0
–
–
2.6
2.9
–
–
–
–
–
–
–
–
3.9
6.1
–
–
–
–
5.7
1.9
4.1
4.0
–
–
–
–
–
–
–
–
–
5.1
–
–
–
–
3.9
1.5
6.1
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 40. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1
79
–
–
1
80
–
–
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
–
1
2
1
–
–
–
–
–
–
81
81
79
84
82
82
79
82
–
–
–
–
–
–
–
–
–
–
–
–
–
15
17
17
18
16
–
–
–
–
–
–
–
–
–
80
84
–
80
84
83
82
79
83
–
–
–
–
–
–
–
–
–
19
15
–
18
15
16
17
19
15
Full time ...................................................................
Part time ..................................................................
1
–
78
89
–
–
–
9
1
–
79
90
–
–
–
9
Union .......................................................................
4
83
–
–
–
84
–
12
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
1
2
–
80
79
80
80
–
–
–
–
17
–
–
18
–
–
1
–
80
79
82
83
–
–
–
–
19
19
–
16
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
80
81
–
–
18
17
–
–
81
83
–
–
17
16
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Health care and social assistance ...................
1
–
–
–
–
–
–
–
–
–
–
79
80
86
81
83
82
83
81
–
80
81
–
–
–
–
–
–
–
–
–
–
–
–
17
13
18
16
17
16
17
–
18
17
1
–
–
–
–
–
–
–
–
–
–
79
80
88
83
83
83
83
81
–
–
80
–
–
–
–
–
–
–
–
–
–
–
–
17
12
17
16
16
17
18
19
–
19
Establishment characteristic
See footnotes at end of table.
Table 40. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
1
–
2
84
83
81
85
–
–
–
–
13
–
18
–
–
–
–
–
85
83
81
86
–
–
–
–
13
15
17
12
–
–
–
–
–
–
–
79
77
79
82
84
81
85
–
–
–
–
–
–
–
18
17
19
15
14
19
14
–
–
–
–
–
–
–
78
80
81
83
85
83
87
–
–
–
–
–
–
–
18
15
18
15
14
17
13
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 40. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private
industry workers, National Compensation Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.2
0.9
–
–
0.1
1.0
–
–
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
–
0.4
0.4
0.1
–
–
–
–
–
–
1.4
3.0
1.4
2.4
2.3
2.4
2.3
3.4
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
2.3
2.4
2.0
2.9
–
–
–
–
–
–
–
–
–
1.7
1.8
–
1.4
2.4
2.6
2.9
2.5
3.3
–
–
–
–
–
–
–
–
–
1.6
1.7
–
1.4
2.4
2.6
3.0
2.1
2.7
Full time ...................................................................
Part time ..................................................................
0.2
–
1.0
2.8
–
–
–
3.2
0.1
–
1.1
3.7
–
–
–
3.7
Union .......................................................................
1.0
2.6
–
–
–
2.9
–
2.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
0.3
0.4
–
2.1
1.6
1.5
2.6
–
–
–
–
2.2
–
–
2.6
–
–
0.3
–
2.5
1.8
1.6
2.7
–
–
–
–
2.4
1.8
–
2.7
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
2.4
2.7
–
–
2.2
2.4
–
–
2.5
2.7
–
–
2.4
2.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Health care and social assistance ...................
0.3
–
–
–
–
–
–
–
–
–
–
1.0
1.7
1.9
5.5
1.6
2.1
2.9
4.0
–
2.5
2.7
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.8
5.4
1.6
2.1
2.9
3.8
–
2.4
2.7
0.2
–
–
–
–
–
–
–
–
–
–
1.1
1.6
2.1
6.2
1.9
2.4
3.2
4.7
–
–
3.6
–
–
–
–
–
–
–
–
–
–
–
–
1.7
2.0
6.2
2.0
2.4
3.2
4.6
3.1
–
3.4
Establishment characteristic
See footnotes at end of table.
Table 40. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private
industry workers, National Compensation Survey, 2013—continued
All plans
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
0.3
–
0.5
2.6
1.2
1.9
1.9
–
–
–
–
2.5
–
1.9
–
–
–
–
–
3.3
1.3
2.1
2.3
–
–
–
–
3.1
1.3
2.1
2.0
–
–
–
–
–
–
–
4.1
3.5
2.4
1.6
2.5
2.5
2.0
–
–
–
–
–
–
–
3.8
2.5
1.9
3.2
2.4
2.5
2.1
–
–
–
–
–
–
–
4.7
3.5
2.6
2.9
2.0
3.7
2.9
–
–
–
–
–
–
–
4.5
2.0
2.1
4.1
1.9
3.7
3.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 41. Inpatient substance abuse detoxification benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
5
76
2
17
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
7
4
–
10
2
–
3
–
–
4
–
–
73
78
–
72
80
84
78
79
76
78
83
73
2
–
–
–
2
–
2
–
–
4
4
4
19
–
–
–
16
14
17
16
15
15
–
–
Full time ...................................................................
Part time ..................................................................
5
–
75
86
2
–
17
7
Union .......................................................................
Nonunion .................................................................
16
3
72
77
–
2
–
18
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
4
7
–
78
76
76
76
75
–
3
–
2
–
17
–
–
16
16
2
2
6
3
–
–
–
1
1
79
80
75
80
–
85
79
83
83
4
5
2
–
–
–
–
–
–
16
14
17
–
–
14
15
–
–
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
3
78
2
17
14
69
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3
–
–
–
–
–
–
–
–
–
–
–
76
83
–
–
80
85
78
79
76
79
83
–
2
–
–
–
2
–
2
–
–
4
4
–
19
15
–
–
–
13
–
16
17
–
–
–
–
15
–
–
6
–
6
–
–
–
2
–
60
59
61
69
78
78
77
79
79
73
81
67
–
–
–
–
–
–
–
–
–
–
–
–
18
–
18
7
–
17
–
14
11
10
–
9
Full time ...................................................................
Part time ..................................................................
3
–
77
88
2
–
18
8
14
–
69
71
–
–
–
5
Union .......................................................................
Nonunion .................................................................
7
2
80
77
–
2
–
18
46
8
45
74
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2
3
4
77
76
78
79
81
–
3
2
2
–
19
–
17
16
–
–
–
9
–
–
81
73
70
63
53
–
–
–
–
–
10
13
–
14
18
2
–
3
–
–
–
–
–
–
79
80
77
82
–
87
81
82
84
4
5
2
–
–
–
–
–
–
16
–
18
15
–
12
14
16
15
1
2
16
–
–
–
–
5
7
78
77
68
72
86
–
74
86
79
–
–
–
–
–
–
–
–
–
–
–
–
14
11
–
19
9
14
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
13
82
84
76
68
–
–
–
1
17
14
18
18
11
–
64
69
–
–
–
17
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
6
3
10
–
79
77
80
74
–
–
3
3
3
–
13
14
15
12
10
–
–
–
–
–
–
–
7
73
69
76
89
83
–
–
86
80
–
–
5
–
4
–
–
1
–
–
16
–
9
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 41. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
82
84
80
–
–
–
–
–
18
15
19
–
–
–
–
–
86
87
60
63
–
–
–
–
11
4
17
12
6
10
66
70
–
–
–
–
30
–
55
66
–
–
15
10
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
4
1
8
–
84
79
81
77
–
–
2
2
3
–
13
14
16
13
–
–
17
–
23
69
61
69
75
62
–
–
–
–
–
19
12
–
8
–
7
8
–
–
–
–
–
–
–
74
75
77
88
84
–
–
85
86
–
–
5
–
4
–
–
–
–
–
–
–
9
–
–
–
14
12
–
–
–
–
–
11
–
–
18
68
–
–
97
–
71
93
90
71
–
–
–
–
–
–
–
–
–
14
–
–
1
–
–
3
5
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 41. Standard errors for inpatient substance abuse detoxification
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
1.1
0.3
0.8
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.7
0.7
–
2.5
0.4
–
0.6
–
–
0.9
–
–
2.2
2.0
–
3.5
1.3
2.4
1.8
2.1
3.0
2.1
2.7
2.9
0.4
–
–
–
0.5
–
0.6
–
–
0.6
0.7
0.9
1.6
–
–
–
1.2
2.2
1.7
1.8
2.4
1.8
–
–
Full time ...................................................................
Part time ..................................................................
0.7
–
1.1
3.9
0.3
–
0.9
3.1
Union .......................................................................
Nonunion .................................................................
4.5
0.4
3.9
1.0
–
0.3
–
0.9
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.6
1.5
–
2.4
1.8
1.5
1.9
3.8
–
0.5
–
0.3
–
2.2
–
–
1.6
2.5
0.3
0.5
1.0
1.0
–
–
–
0.2
0.3
1.9
2.4
1.3
1.7
–
2.1
5.3
2.0
2.0
0.8
0.9
0.3
–
–
–
–
–
–
1.9
2.2
0.8
–
–
1.9
5.2
–
–
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.5
1.1
0.2
1.0
3.3
4.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.6
–
–
–
–
–
–
–
–
–
–
–
1.9
1.8
–
–
1.4
2.4
2.0
2.7
3.5
2.1
2.7
–
0.3
–
–
–
0.5
–
0.5
–
–
0.7
0.6
–
1.8
1.8
–
–
–
2.4
–
2.4
3.0
–
–
–
–
3.9
–
–
1.1
–
1.3
–
–
–
0.4
–
7.4
6.2
10.7
9.7
2.8
5.3
3.7
5.6
5.8
6.5
6.9
8.3
–
–
–
–
–
–
–
–
–
–
–
–
3.3
–
4.2
2.6
–
4.9
–
5.7
4.3
3.7
–
4.2
Full time ...................................................................
Part time ..................................................................
0.5
–
1.2
3.9
0.3
–
1.1
3.5
3.1
–
4.1
10.6
–
–
–
2.7
Union .......................................................................
Nonunion .................................................................
1.6
0.5
2.7
1.2
–
0.3
–
1.0
11.1
1.1
9.1
2.9
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.5
0.6
1.0
2.6
1.9
1.8
1.7
2.7
–
0.7
0.6
0.3
–
2.3
–
1.6
1.7
–
–
–
2.0
–
–
5.1
6.0
3.7
6.0
10.1
–
–
–
–
–
3.9
3.1
–
3.2
6.3
0.3
–
0.6
–
–
–
–
–
–
2.1
2.4
1.2
1.8
–
2.5
6.1
2.6
2.7
0.7
0.8
0.3
–
–
–
–
–
–
2.2
–
1.1
1.7
–
2.3
6.1
2.3
2.7
0.2
0.3
3.9
–
–
–
–
1.4
1.8
6.1
8.1
4.7
4.6
3.5
–
10.5
4.9
6.5
–
–
–
–
–
–
–
–
–
–
–
–
2.8
2.6
–
9.4
4.7
6.5
Establishment characteristic
Goods-producing industries .....................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
3.4
2.5
4.2
3.1
4.1
–
–
–
0.2
2.5
4.0
2.5
2.7
1.8
–
5.2
4.6
–
–
–
3.0
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
0.8
0.7
1.6
–
4.0
1.4
2.2
2.4
–
–
0.5
0.6
0.7
–
2.4
1.1
1.9
1.7
2.2
–
–
–
–
–
–
–
1.2
4.2
3.9
2.3
2.9
2.0
–
–
2.5
2.3
–
–
0.8
–
0.8
–
–
0.2
–
–
1.7
–
3.4
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 41. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
3.0
4.8
3.4
–
–
–
–
–
3.0
4.8
3.1
–
–
–
–
–
6.0
4.6
6.5
13.3
–
–
–
–
5.6
3.5
7.0
3.1
1.5
2.3
6.3
4.2
–
–
–
–
5.3
–
6.2
16.1
–
–
4.4
3.5
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
0.8
0.4
1.8
–
3.3
1.4
2.3
2.7
–
–
0.3
0.5
0.5
–
3.0
1.3
2.1
1.9
–
–
2.7
–
3.9
5.4
11.2
4.5
6.4
5.9
–
–
–
–
–
3.3
4.2
–
2.5
–
1.6
1.6
–
–
–
–
–
–
–
4.7
3.2
2.6
3.2
1.8
–
–
1.8
3.5
–
–
0.4
–
0.8
–
–
–
–
–
–
–
3.7
–
–
–
1.6
3.0
–
–
–
–
–
2.9
–
–
3.6
9.7
–
–
2.3
–
8.9
3.0
5.8
4.3
–
–
–
–
–
–
–
–
–
5.0
–
–
0.3
–
–
1.9
3.1
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 42. Inpatient substance abuse rehabilitation benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
11
67
–
–
Service .....................................................................
Natural resources, construction, and maintenance:
Installation, maintenance, and repair .....................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
71
–
5
–
–
2
–
78
68
76
61
–
8
–
–
18
–
–
10
Part time ..................................................................
–
76
–
6
Union .......................................................................
–
53
–
9
–
–
72
73
–
–
10
16
categories2:
Average wage within the following
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Establishment characteristic
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
12
–
4
6
–
–
–
65
61
84
77
86
82
59
–
7
–
–
–
–
–
–
–
–
–
13
8
13
24
–
–
57
61
–
–
–
–
–
11
31
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
13
–
15
68
69
66
72
–
–
–
–
13
–
19
–
–
–
–
–
14
76
75
91
80
61
–
–
–
–
–
18
17
6
15
–
Geographic area
New England ...........................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on
benefits, a requirement that the participant pay a
percentage of costs (coinsurance), or a requirement that
the participant pay a specific amount (deductible or
copayment) before reimbursement begins or services are
rendered.
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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 42. Standard errors for inpatient substance abuse rehabilitation
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
3.0
4.0
–
–
Service .....................................................................
Natural resources, construction, and maintenance:
Installation, maintenance, and repair .....................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
8.1
–
1.9
–
–
0.3
–
5.6
7.9
7.2
11.3
–
1.7
–
–
5.2
–
–
4.5
Part time ..................................................................
–
10.5
–
2.7
Union .......................................................................
–
9.6
–
5.1
–
–
8.4
5.4
–
–
4.1
4.1
categories2:
Average wage within the following
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Establishment characteristic
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
3.5
–
1.1
1.4
–
–
–
4.5
6.2
4.8
6.1
5.8
4.5
12.0
–
1.6
–
–
–
–
–
–
–
–
–
5.7
4.4
3.4
4.3
–
–
6.1
14.4
–
–
–
–
–
3.7
10.8
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
2.0
–
2.3
11.5
4.0
6.3
4.5
–
–
–
–
4.4
–
5.8
–
–
–
–
–
3.7
7.7
7.0
4.3
3.1
4.3
–
–
–
–
–
6.9
5.8
5.4
5.3
–
Geographic area
New England ...........................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on
benefits, a requirement that the participant pay a
percentage of costs (coinsurance), or a requirement that
the participant pay a specific amount (deductible or
copayment) before reimbursement begins or services are
rendered.
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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1
75
2
21
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2
2
2
–
–
1
–
1
–
75
79
73
74
73
75
80
72
77
1
–
–
–
–
3
–
–
–
22
–
–
19
5
22
18
–
20
–
–
–
–
–
73
80
76
80
73
–
–
–
–
–
22
19
19
17
22
Full time ...................................................................
Part time ..................................................................
1
–
75
84
2
–
22
12
Union .......................................................................
Nonunion .................................................................
4
1
81
74
–
2
–
23
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1
1
2
1
74
73
75
73
77
79
–
–
–
3
1
–
20
22
–
23
20
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
77
66
79
–
–
–
20
29
18
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2
–
–
–
–
–
–
–
–
75
76
66
81
82
72
80
80
80
2
–
–
–
–
–
–
–
–
21
20
30
18
12
23
18
19
19
Establishment characteristic
See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1
76
2
21
4
74
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1
–
–
–
–
–
–
–
–
76
81
73
74
75
75
80
72
78
1
–
–
–
–
4
–
–
–
22
16
25
23
5
–
18
23
20
–
2
–
–
–
–
–
–
–
71
71
71
75
–
75
77
74
75
–
–
–
–
–
–
–
–
–
24
–
23
5
6
23
22
24
25
–
–
–
–
–
75
80
76
80
71
–
–
–
–
–
21
18
20
16
25
–
–
–
–
–
65
80
77
74
79
–
–
–
–
–
34
20
16
23
10
Full time ...................................................................
Part time ..................................................................
1
–
75
84
2
–
22
13
4
–
73
85
–
–
–
6
Union .......................................................................
Nonunion .................................................................
–
1
81
75
–
2
14
22
–
3
80
72
–
–
9
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
1
–
75
72
74
74
78
81
–
–
–
3
1
–
22
25
22
–
19
18
–
–
–
3
3
–
72
84
77
70
74
71
–
–
–
–
–
–
10
3
18
–
–
27
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
78
65
81
–
–
–
19
29
17
–
–
–
70
70
70
–
–
–
29
29
29
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1
–
–
–
–
–
–
–
–
75
77
63
81
84
72
83
80
80
2
–
–
–
–
–
–
–
–
22
20
32
17
12
22
17
20
19
4
–
–
–
–
–
–
–
–
74
76
77
77
71
70
72
83
75
–
–
–
–
–
–
–
–
–
–
19
20
23
11
27
24
13
19
Establishment characteristic
See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
–
–
–
–
–
–
2
3
4
2
–
–
–
79
81
82
69
68
68
75
66
67
77
73
80
69
–
–
–
–
–
–
–
–
–
–
–
–
–
20
18
17
26
32
23
–
–
–
–
25
20
27
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
2
1
3
70
66
77
80
78
82
3
–
–
1
–
–
–
30
18
17
–
–
–
3
–
–
–
2
–
–
–
74
76
77
81
81
69
73
71
77
–
–
–
–
–
–
–
–
–
18
–
21
16
17
–
24
26
17
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 43. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
–
–
–
–
–
–
2
–
–
–
–
–
–
78
81
75
70
72
63
74
66
67
76
69
76
75
–
–
–
–
–
–
–
–
–
–
–
–
–
22
19
23
25
28
25
–
28
24
21
31
24
25
–
–
–
–
–
–
4
–
–
–
–
–
–
85
81
100
65
53
84
78
68
70
80
88
100
54
–
–
–
–
–
–
–
–
–
–
–
–
–
13
10
–
34
47
16
–
26
19
11
–
–
31
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1
–
–
69
67
75
80
79
82
3
2
–
2
–
–
–
–
18
17
19
15
–
–
–
7
–
9
71
65
83
77
74
79
–
–
–
–
–
–
25
30
15
–
21
–
–
2
–
–
–
–
–
–
–
72
78
78
81
81
68
72
70
79
–
–
–
–
–
–
–
–
–
19
–
20
16
16
30
25
26
18
–
4
–
–
–
–
–
–
–
82
72
68
–
75
74
93
72
74
–
–
–
–
–
–
–
–
–
18
24
29
24
23
18
6
26
17
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 43. Standard errors for outpatient substance abuse rehabilitation
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.2
1.1
0.5
0.9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.4
0.4
0.4
–
–
0.1
–
0.2
–
1.7
1.7
2.5
3.7
13.7
1.4
2.5
1.9
2.2
0.4
–
–
–
–
0.8
–
–
–
1.6
–
–
3.3
3.0
1.3
2.4
–
2.4
–
–
–
–
–
3.6
2.5
2.5
3.7
3.3
–
–
–
–
–
3.9
2.5
2.0
3.1
2.8
Full time ...................................................................
Part time ..................................................................
0.2
–
1.2
3.0
0.5
–
1.0
3.0
Union .......................................................................
Nonunion .................................................................
1.1
0.2
3.2
1.1
–
0.5
–
1.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.4
0.2
0.3
0.4
2.1
6.9
1.8
1.9
1.7
2.7
–
–
–
0.6
0.3
–
1.9
6.4
–
1.8
1.6
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.5
3.6
3.0
–
–
–
2.4
3.1
2.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.2
–
–
–
–
–
–
–
–
1.2
1.7
3.4
2.1
4.6
8.3
5.4
1.7
2.3
0.5
–
–
–
–
–
–
–
–
1.0
1.4
3.1
1.9
3.7
8.4
5.4
1.7
2.3
Establishment characteristic
See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.2
1.3
0.5
1.1
0.8
3.1
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.3
–
–
–
–
–
–
–
–
2.1
2.2
2.9
4.3
15.8
1.6
2.6
2.0
2.6
0.4
–
–
–
–
1.0
–
–
–
1.9
1.8
2.8
4.1
3.2
–
2.7
1.8
2.9
–
0.6
–
–
–
–
–
–
–
3.7
5.1
4.6
7.4
–
3.8
5.7
5.1
7.4
–
–
–
–
–
–
–
–
–
3.6
–
4.3
1.9
4.7
3.8
5.6
5.0
7.4
–
–
–
–
–
4.2
3.0
2.7
3.7
3.8
–
–
–
–
–
4.3
3.1
2.3
3.0
3.7
–
–
–
–
–
12.4
6.2
5.1
7.1
7.3
–
–
–
–
–
12.4
6.2
4.4
7.4
4.6
Full time ...................................................................
Part time ..................................................................
0.2
–
1.4
3.8
0.5
–
1.2
3.4
0.6
–
3.1
6.8
–
–
–
2.7
Union .......................................................................
Nonunion .................................................................
–
0.2
2.9
1.3
–
0.5
2.7
1.2
–
0.6
7.8
3.2
–
–
5.1
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
0.3
–
2.2
8.0
2.0
2.3
2.0
2.8
–
–
–
0.7
0.3
–
2.1
7.6
1.8
–
1.9
2.7
–
–
–
0.7
0.9
–
8.8
10.5
5.1
4.2
4.5
7.5
–
–
–
–
–
–
4.1
2.3
4.3
–
–
7.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.8
4.5
3.2
–
–
–
2.7
3.8
2.9
–
–
–
7.0
7.7
8.2
–
–
–
6.6
7.8
7.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.2
–
–
–
–
–
–
–
–
1.4
1.7
3.9
2.6
4.6
9.7
6.2
2.3
2.8
0.5
–
–
–
–
–
–
–
–
1.2
1.8
3.8
2.4
4.3
9.8
6.2
2.3
2.8
0.9
–
–
–
–
–
–
–
–
3.4
5.2
6.1
7.7
12.0
15.7
10.9
4.7
6.0
–
–
–
–
–
–
–
–
–
–
4.9
6.1
7.7
6.4
13.9
9.9
4.7
6.3
Establishment characteristic
See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2013—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
–
–
–
–
–
–
0.3
0.7
1.2
0.4
–
–
–
2.9
4.0
4.9
3.3
4.4
6.0
3.0
3.9
5.3
3.2
7.8
7.3
8.0
–
–
–
–
–
–
–
–
–
–
–
–
–
3.0
3.9
4.8
2.9
4.4
6.4
–
–
–
–
7.1
7.3
8.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.3
0.4
0.6
1.9
2.3
3.6
1.3
1.9
2.3
0.9
–
–
0.4
–
–
–
2.2
2.7
1.2
–
–
–
0.5
–
–
–
0.5
–
–
–
6.0
3.8
2.8
1.7
2.1
2.1
3.7
4.7
3.1
–
–
–
–
–
–
–
–
–
3.8
–
2.2
3.4
2.6
–
4.0
3.4
2.7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 43. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2013—continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
–
–
–
–
–
–
0.5
–
–
–
–
–
–
3.3
4.7
6.0
4.3
5.2
8.1
3.7
4.9
6.3
3.9
9.4
9.4
10.1
–
–
–
–
–
–
–
–
–
–
–
–
–
3.3
4.7
6.0
3.5
5.2
7.5
–
3.4
3.5
3.6
9.4
9.4
10.1
–
–
–
–
–
–
1.1
–
–
–
–
–
–
5.8
5.3
(3)
10.2
9.8
14.9
5.3
6.0
5.9
6.3
5.8
(3)
14.7
–
–
–
–
–
–
–
–
–
–
–
–
–
5.7
5.4
–
10.1
9.8
14.9
–
5.7
5.9
3.7
–
–
10.8
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.2
–
–
2.2
2.6
4.3
1.4
2.1
2.6
0.9
0.7
–
0.5
–
–
–
–
3.3
1.4
2.1
2.2
–
–
–
1.7
–
2.7
4.1
5.4
5.1
4.5
6.3
4.5
–
–
–
–
–
–
3.6
4.7
4.8
–
6.0
–
–
0.5
–
–
–
–
–
–
–
6.8
3.4
3.1
2.7
1.7
3.0
3.9
7.9
4.1
–
–
–
–
–
–
–
–
–
4.6
–
2.5
4.2
2.1
2.6
4.4
6.0
4.1
–
1.3
–
–
–
–
–
–
–
7.1
7.9
9.1
–
13.6
6.8
5.7
10.6
6.4
–
–
–
–
–
–
–
–
–
6.9
7.5
8.4
25.2
13.8
5.7
5.4
9.6
4.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the
participant pay a percentage of costs (coinsurance), or a requirement that the participant
pay a specific amount (deductible or copayment) before reimbursement begins or services
are rendered.
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 data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 44. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans2
Non-high
deductible health
plans
Worker characteristic
All workers ...............................................................
30
69
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
28
30
27
26
36
38
35
23
21
31
32
29
72
70
73
73
63
62
64
77
79
69
68
71
Full time ...................................................................
Part time ..................................................................
30
29
69
71
Union .......................................................................
Nonunion .................................................................
10
33
89
66
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
39
35
30
24
24
61
65
69
76
76
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
28
31
29
71
69
70
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
31
34
27
39
19
34
35
69
65
71
61
81
66
65
Establishment characteristic
See footnotes at end of table.
Table 44. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
High deductible
health plans2
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
37
35
38
27
13
16
29
63
65
62
73
84
84
71
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
32
33
30
29
38
18
67
66
70
71
62
82
37
17
34
32
43
35
40
28
18
63
83
66
66
56
65
59
71
82
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the columns may not equal 100
since only plans with fixed, variable, or no
deductibles are included.
Plans with other
deductible formulas are not included.
2 A high deductible health plan (HDHP) is a
health plan which typically has a higher deductible
and lower premium than a traditional health plan.
An individual plan must have a minimum
deductible of $1,250 to be classified as a HDHP.
Normally the plan includes catastrophic coverage
to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
3 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 data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March
2013."
Note: Dashes indicate that no data were reported
or that data do 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/glossary20132014.htm.
Table 44. Standard errors for medical care benefits: High
deductible and non-high deductible health plans, private industry
workers, National Compensation Survey, 2013
Characteristics
High deductible
health plans1
Non-high
deductible health
plans
Worker characteristic
All workers ...............................................................
1.4
1.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
2.5
3.1
3.0
2.0
3.2
2.7
2.6
2.7
1.9
2.6
2.9
2.3
2.5
3.2
3.0
2.1
3.2
2.7
2.6
2.7
1.9
2.6
2.9
Full time ...................................................................
Part time ..................................................................
1.5
3.5
1.5
3.5
Union .......................................................................
Nonunion .................................................................
1.9
1.5
2.1
1.5
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
3.2
1.6
1.9
2.9
2.7
3.2
1.7
1.9
2.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.3
3.8
2.6
2.3
3.8
2.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.4
3.2
3.4
5.3
2.2
2.3
1.6
2.4
3.7
3.4
5.3
2.2
2.3
Establishment characteristic
See footnotes at end of table.
Table 44. Standard errors for medical care benefits: High
deductible and non-high deductible health plans, private industry
workers, National Compensation Survey, 2013—continued
High deductible
health plans1
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.7
3.1
3.6
5.0
3.0
4.7
5.9
3.7
3.1
3.6
5.0
3.8
4.7
5.9
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
1.9
3.9
1.7
2.5
1.6
2.1
1.9
3.9
1.7
2.5
1.6
6.8
2.0
3.8
6.9
4.1
3.3
2.6
4.1
2.0
6.8
2.1
3.8
7.5
4.1
3.3
3.0
4.0
2.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a
health plan which typically has a higher deductible
and lower premium than a traditional health plan.
An individual plan must have a minimum
deductible of $1,250 to be classified as a HDHP.
Normally the plan includes catastrophic coverage
to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
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 data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March
2013."
Note: Dashes indicate that no data were reported
or that data do 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/glossary20132014.htm.
Table 45. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2013
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
$1,500
$1,500
$2,000
$2,700
$4,500
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1,300
1,500
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
2,000
2,000
1,750
2,000
2,000
2,000
2,000
2,000
2,000
2,500
2,000
2,700
2,500
2,600
2,500
2,500
2,750
2,750
2,700
2,750
3,000
3,000
2,750
–
–
3,500
–
–
3,250
3,000
–
5,000
5,000
5,000
5,000
5,000
Full time ...................................................................
Part time ..................................................................
1,500
1,500
1,500
1,750
2,000
2,000
2,700
2,750
–
3,000
Union .......................................................................
Nonunion .................................................................
1,500
1,500
1,500
1,500
–
2,000
2,750
2,700
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,500
1,400
1,500
1,500
1,400
1,700
1,500
1,500
1,500
1,500
2,500
2,000
2,000
1,750
1,500
2,750
2,750
2,700
2,500
2,000
5,000
5,000
–
3,500
3,000
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,500
1,500
1,500
1,500
2,000
1,500
2,000
2,000
2,000
2,750
3,000
2,750
5,000
5,000
5,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,750
1,500
1,500
2,000
2,500
–
2,700
2,000
2,000
2,700
3,000
3,200
3,000
2,500
2,500
–
5,000
5,000
–
3,000
3,000
Establishment characteristic
See footnotes at end of table.
Table 45. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2013—continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$1,500
1,350
1,500
1,250
1,250
1,350
1,250
$1,500
1,500
1,500
1,500
1,500
1,500
–
$2,000
2,000
1,500
2,000
–
1,500
2,000
$2,500
2,500
2,000
3,000
2,600
2,500
3,000
$3,000
3,000
2,700
5,000
3,500
3,500
5,000
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,500
1,500
1,500
1,500
1,500
1,300
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
2,000
2,000
1,900
2,600
2,750
2,500
2,750
2,750
2,500
5,000
5,000
5,000
–
–
3,000
1,500
1,300
1,250
1,500
1,400
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
1,500
–
2,000
2,000
–
2,000
2,000
2,000
2,000
1,750
3,000
2,600
2,750
2,700
2,500
2,700
2,750
2,700
2,750
3,000
3,000
5,000
–
–
5,000
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,250 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
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
data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do
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/glossary20132014.htm.
Table 45. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2013
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
$0
$0
$0
$72
$1,244
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
150
122
116
73
0
0
0
0
0
71
80
122
0
0
0
0
0
0
26
0
0
102
0
385
133
0
340
137
0
172
0
0
158
385
296
204
103
146
351
0
59
13
137
324
0
125
204
–
–
424
–
–
455
129
–
0
821
0
182
645
Full time ...................................................................
Part time ..................................................................
18
0
0
285
0
582
113
9
–
547
Union .......................................................................
Nonunion .................................................................
290
0
46
0
–
0
128
69
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
202
0
82
124
121
65
0
0
0
622
340
0
355
232
246
313
165
0
205
782
365
–
686
298
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0
0
69
0
483
0
0
0
58
284
232
208
0
0
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
26
0
26
0
39
113
0
0
292
102
32
80
0
130
–
121
0
0
74
214
751
296
149
130
–
258
658
–
0
0
Establishment characteristic
See footnotes at end of table.
Table 45. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2013—continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$0
82
128
293
222
189
305
$167
243
0
374
0
0
–
$0
210
0
341
–
144
341
$76
13
18
656
392
423
740
$0
0
272
645
456
774
365
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0
167
0
88
0
61
0
0
0
0
158
0
0
314
435
0
39
165
162
293
151
58
190
100
418
991
948
–
–
198
104
97
314
0
111
0
0
0
0
131
0
0
454
0
0
18
98
0
–
0
0
–
115
180
66
0
413
518
0
292
357
139
247
58
336
366
316
164
418
–
–
948
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,250 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
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
data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do
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/glossary20132014.htm.
Table 46. High deductible health plans:1 Summary of tax-favored accounts, private industry
workers, National Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Medical savings
account5
Worker characteristic
All workers ...............................................................
42
24
48
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
43
56
35
48
–
43
41
44
49
56
33
30
37
19
15
22
23
65
30
38
26
9
18
26
23
30
53
57
50
69
70
45
39
48
29
40
43
–
53
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
43
26
23
45
49
38
–
–
Union .......................................................................
Nonunion .................................................................
57
41
–
24
63
48
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
31
38
39
56
63
33
31
21
14
15
36
46
50
56
65
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
39
43
38
18
–
23
38
–
45
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
43
29
–
28
49
78
53
56
26
39
39
–
–
–
25
27
51
39
64
23
47
65
75
77
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 46. High deductible health plans:1 Summary of tax-favored accounts, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Medical savings
account5
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
52
64
62
65
30
62
–
27
27
23
–
–
21
–
–
22
72
83
58
46
–
58
61
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
39
41
34
45
41
54
17
13
28
30
30
30
39
33
55
56
50
72
–
–
–
–
–
–
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
34
48
46
–
39
44
42
34
49
–
15
30
–
22
26
–
–
–
–
–
45
37
58
43
56
48
62
–
–
–
–
–
–
–
–
–
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a traditional
health plan. An individual plan must have a minimum deductible of
$1,250 to be classified as a HDHP. Normally the plan includes
catastrophic coverage to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket expenses.
2 Health savings accounts (HSA) are used in combination with high
deductible health plans to pay for current and future medical expenses.
HSAs are controlled by the employee, although both employees and
employers may contribute to the account. Accounts can accumulate
tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are funded solely by
the employer to reimburse employees for any qualified medical
expenses. HRAs may be offered with any medical plan.
4 Flexible spending accounts (FSAs) allow an employee to set aside
a portion of earnings to pay for qualified medical expenses. Money is
deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by
the employee.
5 Medical savings accounts (MSAs) combine both a tax advantage
personal savings account and a high deductible health insurance plan.
Employees must be covered by a health insurance policy before deposits
are made into the plan. MSAs pay for routine health care costs.
6 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 data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Geographic area
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 46. Standard errors for high deductible health plans:1 Summary of tax-favored accounts,
private industry workers, National Compensation Survey, 2013
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Medical savings
account5
Worker characteristic
All workers ...............................................................
2.5
2.1
2.3
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.1
4.5
5.1
6.0
–
3.6
6.9
4.5
5.8
6.9
4.8
5.3
7.0
3.3
2.8
4.9
5.6
18.8
3.8
5.3
4.3
2.7
4.7
4.4
5.2
7.2
4.6
4.4
6.0
6.3
13.2
3.5
6.9
4.3
6.8
7.4
5.0
–
7.5
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.5
4.6
2.2
7.2
2.3
9.2
–
–
Union .......................................................................
Nonunion .................................................................
9.4
2.5
–
2.2
11.2
2.4
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.1
3.8
2.6
4.3
6.3
5.3
3.8
2.5
2.5
3.0
7.0
3.8
3.2
3.9
5.5
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.1
6.1
6.4
3.3
–
4.1
5.1
–
6.6
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
2.8
3.9
–
3.4
12.8
14.0
3.6
3.7
2.5
3.1
9.3
–
–
–
3.5
3.2
2.7
4.5
10.6
4.9
11.3
16.4
3.4
3.1
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 46. Standard errors for high deductible health plans:1 Summary of tax-favored accounts,
private industry workers, National Compensation Survey, 2013—continued
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Medical savings
account5
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.2
5.4
5.7
6.6
7.6
12.4
–
8.0
4.5
4.2
–
–
5.4
–
–
5.8
5.3
3.5
4.8
7.8
–
10.4
13.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.0
4.1
6.2
3.6
4.2
4.3
3.2
3.4
7.6
2.5
3.5
4.6
3.4
3.9
6.9
3.7
4.4
4.9
–
–
–
–
–
–
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
9.9
6.5
4.6
–
8.4
6.8
4.3
3.2
8.3
–
4.0
4.4
–
5.5
1.4
–
–
–
–
–
4.6
10.8
4.3
5.7
4.9
5.6
6.3
–
–
–
–
–
–
–
–
–
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a traditional
health plan. An individual plan must have a minimum deductible of
$1,250 to be classified as a HDHP. Normally the plan includes
catastrophic coverage to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket expenses.
2 Health savings accounts (HSA) are used in combination with high
deductible health plans to pay for current and future medical expenses.
HSAs are controlled by the employee, although both employees and
employers may contribute to the account. Accounts can accumulate
tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are funded solely by
the employer to reimburse employees for any qualified medical
expenses. HRAs may be offered with any medical plan.
4 Flexible spending accounts (FSAs) allow an employee to set aside
a portion of earnings to pay for qualified medical expenses. Money is
deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by
the employee.
5 Medical savings accounts (MSAs) combine both a tax advantage
personal savings account and a high deductible health insurance plan.
Employees must be covered by a health insurance policy before deposits
are made into the plan. MSAs pay for routine health care costs.
6 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 data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Geographic area
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 47. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2013
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Worker characteristic
All workers ...............................................................
100
80
$200
$275
$500
$750
$1,000
20
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
80
83
77
74
82
82
83
81
85
80
79
77
81
200
–
200
200
250
200
200
200
–
150
200
250
200
250
300
250
250
300
300
300
300
300
250
300
300
250
500
–
500
400
–
500
500
500
500
500
500
500
500
750
600
800
500
–
1,000
1,000
800
–
750
750
700
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
20
17
23
26
18
18
17
19
15
20
21
23
19
Full time ...................................................................
Part time ..................................................................
100
100
80
82
200
–
300
250
500
300
750
500
1,000
950
20
18
Union .......................................................................
Nonunion .................................................................
100
100
74
81
–
200
200
300
300
500
500
750
1,000
1,000
26
19
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
78
82
78
80
77
200
200
200
200
200
250
250
300
275
300
500
500
500
500
500
750
750
750
750
750
1,000
1,000
1,000
1,000
1,000
22
18
22
20
23
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
80
85
77
–
250
200
300
300
275
400
500
400
750
–
700
1,000
1,000
1,000
20
15
23
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
80
81
83
82
76
–
73
84
85
200
200
250
200
–
–
200
250
250
250
300
–
300
250
–
350
350
350
500
500
500
500
500
–
500
500
500
750
950
850
1,000
–
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
1,100
1,000
1,000
20
19
17
18
24
–
27
16
15
Establishment characteristic
See footnotes at end of table.
Table 47. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
90
78
82
80
–
78
75
79
78
79
$300
250
200
300
–
200
200
200
200
–
$350
350
350
–
–
250
250
250
250
300
$500
500
500
500
–
500
500
400
500
500
$1,000
750
1,000
1,000
–
500
600
600
500
–
$1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
10
22
18
20
–
22
25
21
22
21
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
76
78
72
83
87
79
250
250
250
200
200
150
300
300
300
250
300
250
500
500
500
500
500
400
1,000
1,000
1,000
750
750
600
1,000
1,000
1,000
1,000
1,000
1,000
24
22
28
17
13
21
100
100
100
100
100
100
100
100
100
75
71
88
–
91
85
85
79
66
–
200
–
–
200
250
250
–
200
250
250
–
–
275
300
–
300
250
375
500
–
–
–
500
500
500
500
500
900
–
–
750
750
1,000
–
750
1,000
1,000
–
–
1,000
1,000
1,000
1,000
1,000
25
29
12
–
9
15
15
21
34
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20132014.htm.
Table 47. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2013
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Worker characteristic
All workers ...............................................................
1.2
$0
$43
$0
$0
$0
1.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.1
1.7
3.0
3.6
5.0
1.6
2.0
2.3
2.2
3.3
2.2
3.3
3.8
29
–
47
0
71
16
18
13
–
30
0
18
0
48
30
18
9
26
9
20
53
13
47
65
0
54
0
–
0
120
–
0
71
0
0
109
32
55
66
44
168
144
46
–
133
9
215
–
149
61
80
52
0
0
0
9
150
0
0
0
0
0
0
0
0
2.1
1.7
3.0
3.6
5.0
1.6
2.0
2.3
2.2
3.3
2.2
3.3
3.8
Full time ...................................................................
Part time ..................................................................
1.1
2.8
0
–
23
24
0
70
0
18
0
81
1.1
2.8
Union .......................................................................
Nonunion .................................................................
4.3
1.0
–
33
39
5
13
0
0
65
80
0
4.3
1.0
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.4
2.1
1.5
2.0
4.0
0
0
21
12
47
56
27
0
41
23
102
0
0
0
32
167
0
188
18
66
0
0
0
0
0
3.4
2.1
1.5
2.0
4.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.7
4.0
2.2
–
36
15
13
60
41
82
0
67
91
–
125
0
0
0
1.7
4.0
2.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.4
1.6
2.9
2.3
6.2
–
4.6
2.4
1.8
0
0
0
13
–
–
52
30
0
36
20
–
0
65
–
47
18
0
0
0
41
0
128
–
41
0
0
46
193
231
16
–
–
266
0
52
0
0
0
0
118
–
0
0
0
1.4
1.6
2.9
2.3
6.2
–
4.6
2.4
1.8
Establishment characteristic
See footnotes at end of table.
Table 47. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2013—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
2.6
4.7
3.7
5.6
–
3.8
4.0
3.3
4.6
5.3
$68
0
26
55
–
0
44
32
0
–
$16
44
88
–
–
0
47
0
0
88
$0
0
0
46
–
26
47
72
26
39
$0
194
237
140
–
109
169
125
95
–
$0
141
0
0
–
0
0
281
0
145
2.6
4.7
3.7
5.6
–
3.8
4.0
3.3
4.6
5.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.2
4.6
1.2
1.5
1.6
53
72
20
18
0
30
13
31
29
21
0
0
0
0
60
67
0
35
0
102
87
22
0
40
0
0
0
0
0
0
2.1
2.2
4.6
1.2
1.5
1.6
6.1
4.1
1.2
–
2.0
2.2
2.6
5.9
2.3
–
0
–
–
0
29
50
–
58
51
51
–
–
42
26
–
25
50
44
20
–
–
–
0
0
0
0
123
232
–
–
39
102
253
–
155
0
0
–
–
0
0
0
13
0
6.1
4.1
1.2
–
2.0
2.2
2.6
5.9
2.3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 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 data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 48. Mental health care and substance abuse treatment benefits:
Coverage for selected services,1 private industry workers, National
Compensation Survey, 2013
(All workers participating in medical care plans = 100 percent)
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Worker characteristic
All workers ...............................................................
83
80
81
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
81
85
84
83
87
81
85
84
83
87
80
–
83
82
80
84
–
83
82
80
82
–
79
82
82
82
85
80
81
79
82
84
79
Full time ...................................................................
Part time ..................................................................
82
92
80
91
80
92
Union .......................................................................
Nonunion .................................................................
89
82
87
–
88
80
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
82
82
82
84
84
81
80
–
82
82
79
80
80
83
84
84
81
85
82
84
88
85
86
86
81
–
81
80
82
86
82
84
83
80
–
82
81
83
86
82
84
84
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 48. Mental health care and substance abuse treatment benefits:
Coverage for selected services,1 private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
87
87
–
82
84
83
–
81
83
86
79
81
–
84
–
83
75
82
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
88
86
84
88
86
84
81
87
85
84
83
85
82
82
81
85
88
81
86
90
82
80
80
82
85
–
81
86
82
82
76
89
84
–
87
88
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
Compensation - March 2013."
for
Employee
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 48. Standard errors for mental health care and substance abuse
treatment benefits: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013
Characteristics
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
Worker characteristic
All workers ...............................................................
0.8
0.9
0.8
Management, professional, and related ..................
Management, business, and financial .................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.5
1.4
2.9
1.2
2.1
1.7
1.8
2.3
2.2
3.2
2.6
–
1.3
3.0
1.4
2.4
–
2.3
2.4
2.2
3.4
–
1.7
1.8
3.0
1.2
2.3
1.7
2.0
3.0
1.7
2.6
2.3
Full time ...................................................................
Part time ..................................................................
0.9
3.1
1.0
3.2
0.9
3.2
Union .......................................................................
Nonunion .................................................................
2.5
0.9
2.8
–
2.0
0.9
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.2
1.6
1.5
1.5
2.4
2.3
1.6
–
1.5
2.7
2.5
1.5
1.5
1.6
2.5
2.0
3.0
2.4
0.9
1.4
2.1
5.2
1.1
1.4
2.3
–
2.7
1.0
1.5
1.9
5.4
1.6
2.0
1.9
–
2.4
0.9
1.3
2.1
5.5
1.9
1.9
Establishment characteristic
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
See footnotes at end of table.
Table 48. Standard errors for mental health care and substance abuse
treatment benefits: Coverage for selected services,1 private industry
workers, National Compensation Survey, 2013—continued
Characteristics
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
Outpatient
Inpatient
mental health mental health substance abuse
care
care
detoxification
2.6
4.0
–
2.7
2.9
3.8
–
2.6
2.4
4.2
2.8
2.8
–
2.9
–
2.8
5.4
2.9
2.5
1.2
1.9
1.7
2.7
1.2
1.9
1.9
2.7
1.2
2.0
1.9
3.7
2.8
2.4
1.0
2.2
1.6
1.1
1.7
3.8
3.6
2.4
1.6
2.4
–
2.5
2.1
3.7
2.3
2.2
2.9
2.0
–
2.0
1.7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not
receiving the benefit and workers for whom the
availability of the benefit could not be determined.
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 data from the National Compensation Survey
publication,
"Employer
Costs
Compensation - March 2013."
for
Employee
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 49. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2013
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
drugs not on
formulary
Mail order
drugs
Worker characteristic
All workers ...............................................................
100
99
83
84
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
99
98
99
100
100
99
100
99
99
87
84
88
77
91
83
84
83
86
86
88
85
84
98
84
80
86
81
100
100
100
100
100
100
99
99
99
98
89
84
76
77
75
80
82
83
81
85
Full time ...................................................................
Part time ..................................................................
100
100
99
100
83
82
85
68
Union .......................................................................
Nonunion .................................................................
100
100
97
99
71
85
85
84
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
99
99
99
99
99
81
81
84
84
86
83
84
84
85
85
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
99
100
98
83
88
80
81
81
80
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
99
99
99
99
97
99
100
100
100
83
81
82
81
77
82
84
88
88
85
84
82
81
91
92
89
90
89
Establishment characteristic
See footnotes at end of table.
Table 49. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2013—continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
drugs not on
formulary
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
98
100
100
99
99
99
99
100
87
93
84
82
85
83
81
81
84
77
90
87
84
75
96
84
87
93
84
87
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
98
99
98
99
99
100
80
81
80
85
85
84
81
80
83
87
84
91
100
100
100
100
100
100
100
100
100
100
98
99
98
99
99
98
100
98
95
89
79
88
88
86
84
82
68
91
83
83
82
84
87
80
84
84
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 49. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2013
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
drugs not on
formulary
Mail order
drugs
Worker characteristic
All workers ...............................................................
(2)
0.3
1.0
1.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.5
0.7
0.6
0.2
(2)
0.4
0.3
0.6
0.2
1.6
3.4
1.4
3.1
4.2
1.4
2.6
1.9
3.1
1.9
3.1
2.3
2.3
1.7
1.8
4.2
1.7
2.6
(2)
(2)
(2)
(2)
(2)
(2)
0.5
0.6
0.5
1.3
5.8
2.9
2.2
2.1
4.4
5.0
2.9
2.3
2.7
3.0
Full time ...................................................................
Part time ..................................................................
(2)
(2)
0.3
0.3
1.1
3.5
1.1
6.0
Union .......................................................................
Nonunion .................................................................
(2)
(2)
1.1
0.2
3.3
1.2
2.7
1.2
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
(2)
(2)
0.3
0.4
0.6
0.4
0.9
2.8
2.6
1.5
2.1
3.0
2.3
1.7
1.3
2.3
4.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.4
(2)
0.6
1.7
4.8
1.8
2.5
3.3
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.3
0.5
0.2
0.3
2.1
0.8
(2)
0.1
0.1
1.2
2.1
4.0
2.6
5.5
4.5
4.5
1.4
1.6
1.2
1.8
4.3
2.5
3.4
4.1
4.1
1.8
1.9
Establishment characteristic
See footnotes at end of table.
Table 49. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2013—continued
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
drugs not on
formulary
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.1
0.4
1.2
(2)
0.1
0.7
0.9
1.1
0.8
0.3
2.5
1.5
4.4
6.7
5.2
2.2
5.1
4.8
2.4
6.1
2.4
4.9
4.2
6.9
3.0
2.7
5.0
3.2
3.0
4.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
(2)
(2)
(2)
0.5
0.6
1.0
0.2
0.4
0.1
1.8
2.2
3.4
1.1
1.6
1.8
1.8
2.2
3.2
1.3
1.7
1.9
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.8
0.3
1.4
0.4
0.4
2.2
0.2
0.8
1.5
2.0
2.3
5.0
2.2
1.9
5.9
7.5
2.1
2.5
2.8
2.3
2.6
4.7
1.7
6.4
8.2
1.6
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
Note: For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 50. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2013
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristic
All workers ...............................................................
80
16
4
$10
78
19
3
$30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
80
75
83
76
67
82
84
80
81
16
24
11
20
33
15
11
17
14
4
1
6
4
–
3
4
2
4
10
10
10
10
10
10
10
10
10
78
72
82
77
63
77
80
76
79
19
26
15
18
37
19
15
21
16
2
2
2
5
–
3
5
3
5
30
30
30
30
35
30
30
30
30
79
83
81
80
81
19
11
17
17
18
2
6
2
3
1
10
10
10
10
10
78
80
78
74
81
20
12
19
20
17
2
7
3
5
1
30
30
30
30
30
Full time ...................................................................
Part time ..................................................................
81
70
16
15
3
15
10
–
78
81
19
17
3
2
30
30
Union .......................................................................
Nonunion .................................................................
77
81
21
15
2
4
10
10
75
78
20
19
5
3
20
30
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
83
79
81
79
78
15
17
16
17
19
2
4
3
4
4
10
10
10
10
10
82
78
79
76
75
15
19
18
21
23
3
3
3
3
3
30
30
30
30
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
79
80
81
17
14
16
4
6
3
10
10
10
75
78
76
20
16
19
5
6
5
30
30
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
81
85
87
87
81
80
80
79
75
16
14
11
13
18
–
–
19
23
3
1
2
(6)
1
–
–
2
1
10
10
10
–
10
10
10
10
10
79
83
87
82
80
77
73
70
66
19
16
11
17
20
–
22
27
32
3
1
2
1
1
–
6
2
2
30
30
30
30
30
25
25
30
30
Establishment characteristic
See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2013—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ...............................................................
79
20
2
$50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
81
74
85
80
61
76
75
76
78
18
24
–
–
39
–
–
23
–
1
1
–
–
–
–
–
1
–
50
50
50
50
–
50
50
50
50
73
83
79
75
83
–
–
–
–
–
–
–
–
–
–
50
50
50
50
50
Full time ...................................................................
Part time ..................................................................
79
82
20
–
2
–
50
50
Union .......................................................................
Nonunion .................................................................
76
79
–
19
–
1
40
50
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
85
79
79
76
73
–
–
20
21
–
–
–
1
2
–
55
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
75
76
77
–
–
–
–
–
–
50
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
80
81
85
82
76
74
67
65
58
19
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
–
–
50
50
55
50
45
40
40
50
50
Establishment characteristic
See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2013—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
77
70
74
70
82
82
90
86
81
82
22
27
24
29
–
10
9
13
10
–
1
2
2
1
–
8
1
1
9
–
$10
10
10
10
10
10
10
10
10
10
66
64
70
67
80
85
90
86
85
91
34
34
28
32
–
12
10
14
12
–
1
3
2
1
–
3
–
–
4
–
$30
30
35
35
30
30
–
25
30
30
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
80
81
79
80
80
81
15
14
16
17
18
17
5
5
6
2
2
3
10
10
10
10
10
10
81
81
81
76
76
75
15
15
16
22
22
22
4
4
3
3
2
4
30
35
30
30
30
25
85
84
76
79
79
80
79
79
83
14
15
17
21
18
17
–
–
13
1
1
7
(6)
3
3
–
–
3
10
10
10
10
10
10
10
10
10
83
83
77
79
76
75
81
71
78
16
16
17
20
22
21
17
26
17
1
1
6
(6)
2
3
2
3
5
30
30
30
30
35
30
35
25
30
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 50. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2013—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
55
60
75
74
80
90
93
90
89
97
–
–
–
26
–
–
6
8
–
–
–
–
–
–
–
–
1
2
–
–
$50
50
60
60
55
50
50
45
50
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
84
84
84
75
73
76
14
–
–
24
26
–
2
–
–
1
1
–
55
60
50
50
50
45
82
83
80
81
71
75
84
75
79
–
–
17
–
–
–
–
22
–
–
–
3
–
–
–
–
2
–
50
50
50
50
60
60
60
50
50
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits
included as part of a medical plan.
2 All workers participating in an outpatient prescription
drug plan with a generic drug provision equals 100 percent.
3 All workers participating in an outpatient prescription
drug plan with a brand-name drug on formulary provision
equals 100 percent.
4 All workers participating in an outpatient prescription
drug plan with a brand-name drug not on formulary provision
equals 100 percent.
5 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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
6 Less than 0.5.
Note: Because of rounding, sums of individual items may not
equal totals. Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 50. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2013
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ...............................................................
1.4
1.2
0.6
$0
1.5
1.4
0.5
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
3.9
2.2
3.2
9.9
2.0
3.0
2.5
3.1
2.1
3.9
1.6
2.8
9.9
1.8
1.7
2.5
2.7
1.2
0.4
1.9
1.4
–
0.7
1.9
0.5
1.6
0
0
0
0
2
0
0
0
0
2.4
3.8
2.3
3.3
10.1
2.1
2.9
2.5
3.1
2.4
3.8
2.1
2.7
10.1
1.8
1.5
2.5
2.8
0.7
0.4
1.1
2.1
–
0.8
2.0
0.5
1.6
0
0
0
4
8
0
0
0
0
5.7
3.0
2.1
3.0
2.7
5.4
2.0
1.9
2.6
2.7
1.4
2.3
1.1
1.7
0.5
0
0
0
0
0
5.7
3.3
2.6
3.9
2.6
5.4
2.1
2.3
3.3
2.5
1.4
2.4
1.3
2.2
0.5
3
0
0
0
0
Full time ...................................................................
Part time ..................................................................
1.4
6.2
1.2
3.7
0.5
6.6
0
–
1.5
4.0
1.4
3.9
0.6
0.6
0
0
Union .......................................................................
Nonunion .................................................................
3.5
1.5
3.6
1.2
1.0
0.7
1
0
3.3
1.6
3.1
1.5
1.8
0.5
3
0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.5
2.0
1.7
2.4
3.7
2.5
1.5
1.5
2.1
3.2
1.3
1.3
0.7
1.1
1.5
0
0
0
0
0
2.7
1.6
1.9
2.6
3.8
2.4
1.7
1.5
2.4
3.4
1.5
1.0
0.8
0.7
0.9
5
0
0
0
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
4.1
2.9
2.1
3.1
2.1
1.2
2.3
1.5
0
0
0
2.9
4.1
3.5
2.4
3.2
2.6
1.4
2.3
1.8
0
5
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
1.4
2.6
1.9
2.9
6.8
5.2
2.0
2.3
1.3
1.3
2.4
1.9
2.8
–
–
1.9
2.3
0.7
0.4
1.3
0.2
0.5
–
–
0.7
0.5
0
0
0
–
0
1
0
0
0
1.7
1.4
2.5
2.3
3.1
7.5
6.0
2.5
2.5
1.6
1.4
2.3
2.0
3.4
–
5.6
2.3
2.5
0.6
0.5
1.3
0.6
0.5
–
3.5
1.0
0.9
0
0
0
0
4
(3)
1
0
0
Establishment characteristic
See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2013—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ...............................................................
1.4
1.5
0.3
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.1
3.4
2.0
2.6
10.9
2.4
4.8
2.3
3.0
2.1
3.4
–
–
10.9
–
–
2.3
–
0.3
0.4
–
–
–
–
–
0.3
–
0
1
1
0
–
2
6
2
2
5.9
2.4
2.3
3.2
2.6
–
–
–
–
–
–
–
–
–
–
8
0
0
6
0
Full time ...................................................................
Part time ..................................................................
1.4
3.7
1.4
–
0.3
–
0
0
Union .......................................................................
Nonunion .................................................................
2.7
1.5
–
1.5
–
0.3
1
2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.1
2.2
1.8
2.4
4.0
–
–
1.8
2.3
–
–
–
0.3
0.5
–
5
1
0
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.1
3.7
3.7
–
–
–
–
–
–
0
0
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
1.8
3.2
2.5
4.5
9.0
5.5
3.2
3.5
1.5
–
–
–
–
–
–
–
–
0.3
–
–
–
–
–
–
–
–
0
1
6
0
8
8
5
4
0
Establishment characteristic
See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2013—continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
2.4
4.4
4.9
7.0
6.0
3.4
2.6
3.8
3.9
7.4
2.4
4.6
4.4
6.4
–
2.3
2.5
3.7
2.6
–
0.2
1.1
1.1
0.9
–
2.4
0.7
1.1
2.7
–
$0
0
0
3
0
0
0
0
0
0
2.9
4.7
5.4
7.1
6.0
2.5
2.6
3.8
2.8
3.0
2.9
4.6
5.0
6.6
–
2.4
2.6
3.8
2.8
–
0.3
1.1
1.2
0.9
–
1.4
–
–
1.6
–
$0
0
2
6
6
0
–
4
0
4
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.3
2.6
3.9
1.4
2.1
2.2
1.8
2.1
3.0
1.3
1.9
2.0
1.2
1.1
3.0
0.7
0.8
1.3
0
0
0
0
0
0
2.0
2.3
3.5
1.8
2.4
2.2
1.8
2.0
3.1
1.8
2.3
2.2
0.7
0.8
1.4
0.8
0.9
1.3
5
5
1
0
0
0
2.8
3.6
2.6
3.3
3.6
3.4
7.0
7.6
3.7
2.7
3.8
1.7
3.2
3.6
3.1
–
–
2.4
1.0
0.5
1.9
0.2
1.1
0.5
–
–
1.6
0
0
0
0
0
0
0
(3)
0
2.9
3.0
2.3
4.1
4.0
5.2
2.1
7.5
3.9
2.9
3.4
2.3
4.0
4.2
4.8
2.4
7.4
2.8
1.0
0.6
2.0
0.2
1.1
0.7
0.8
1.5
2.1
0
2
0
0
2
4
4
1
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 50. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2013—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
4.3
5.4
5.2
5.6
6.5
2.1
1.3
2.2
2.4
1.7
–
–
–
5.6
–
–
1.2
1.9
–
–
–
–
–
–
–
–
0.2
0.4
–
–
$4
0
0
0
11
0
0
4
1
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.9
2.0
3.5
1.9
2.7
2.1
1.7
–
–
2.0
2.7
–
0.5
–
–
0.4
0.3
–
3
5
3
0
1
5
3.4
1.8
2.3
3.6
5.9
5.5
2.3
4.0
3.3
–
–
2.0
–
–
–
–
3.9
–
–
–
0.7
–
–
–
–
0.5
–
2
2
5
0
4
0
2
0
0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits
included as part of a medical plan.
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 data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2013."
3 Less than 0.5.
Note: Because of rounding, sums of individual items may not
equal totals. Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 51. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2013
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Worker characteristic
All workers ...............................................................
100
100
98
82
48
34
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
99
100
100
100
100
100
100
100
100
99
100
100
100
100
100
97
97
97
98
100
98
99
98
99
86
84
88
79
80
81
84
79
75
52
56
49
44
–
50
57
47
42
35
28
39
35
–
30
27
32
32
100
100
100
100
100
100
100
100
100
100
100
98
98
98
98
69
79
80
75
87
37
46
42
36
50
31
33
38
39
37
Full time ...................................................................
Part time ..................................................................
100
100
100
100
98
99
82
86
49
40
33
46
Union .......................................................................
Nonunion .................................................................
100
100
100
100
99
98
87
81
51
48
36
34
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
100
100
98
97
98
98
97
80
80
81
85
88
45
42
48
54
60
35
38
33
31
28
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
97
100
96
78
65
80
40
27
41
37
38
39
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
98
99
100
98
100
98
99
97
97
84
82
72
85
85
92
88
85
90
50
57
50
65
53
41
67
59
62
33
25
22
20
32
51
21
26
28
Establishment characteristic
See footnotes at end of table.
Table 51. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
98
100
100
97
97
98
96
98
97
98
100
97
93
88
87
82
94
84
77
74
85
59
69
57
–
57
36
51
51
34
33
19
29
–
37
47
26
23
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
100
100
100
100
100
100
98
99
97
98
98
97
79
78
81
85
81
88
44
42
47
51
49
53
35
35
34
34
32
35
100
100
100
100
100
99
100
100
100
100
100
100
100
100
99
100
100
100
98
97
98
97
97
99
98
98
97
84
81
81
78
85
85
84
85
80
55
50
49
43
48
40
38
56
55
29
31
32
35
37
45
46
29
25
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams, cleanings, and x-rays, and
other preventive care.
2 Basic services include fillings, dental surgery, periodontal care (treatment
for gum disease), and endodontics (root canal therapy).
3 Major services include procedures such as crowns and prosthetics
(replacement of missing teeth with bridgework or dentures).
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals.
Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 51. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2013
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Worker characteristic
All workers ...............................................................
0.1
0.1
0.3
1.2
1.7
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.1
(4)
0.2
0.3
(4)
(4)
(4)
(4)
(4)
0.1
0.1
0.2
0.3
(4)
(4)
(4)
0.1
(4)
0.5
0.8
0.6
0.9
(4)
0.5
0.2
0.7
0.5
1.4
2.1
1.6
4.2
8.7
2.3
2.9
2.8
3.6
3.0
3.3
4.0
5.6
–
2.8
5.2
3.1
4.7
3.1
3.0
4.2
4.6
–
3.0
5.7
3.4
4.2
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.3
0.8
0.6
0.7
0.7
7.4
3.2
2.6
4.2
2.6
8.9
4.4
3.3
4.0
4.7
8.0
4.5
2.8
3.3
5.1
Full time ...................................................................
Part time ..................................................................
0.1
(4)
0.1
(4)
0.3
0.5
1.3
3.0
1.7
6.3
1.4
7.1
Union .......................................................................
Nonunion .................................................................
(4)
0.1
(4)
0.1
0.5
0.4
1.9
1.3
4.1
1.8
4.2
1.6
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(4)
0.1
(4)
0.1
(4)
(4)
0.1
0.1
0.1
(4)
0.7
0.6
0.3
0.5
0.9
4.3
1.8
1.9
1.6
1.8
5.8
2.5
2.8
2.5
4.0
6.1
2.4
2.2
2.7
4.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(4)
(4)
(4)
(4)
(4)
(4)
1.0
0.1
1.3
2.3
5.4
2.5
3.6
6.4
3.5
3.5
7.4
4.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.1
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.1
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.3
0.3
(4)
0.7
(4)
1.0
0.9
0.7
0.6
1.4
2.2
6.0
2.3
6.9
3.8
4.3
2.2
2.0
2.0
2.6
6.8
4.4
7.0
8.7
5.3
2.9
2.9
1.7
2.0
5.0
4.2
6.7
8.8
4.2
2.7
2.7
Establishment characteristic
See footnotes at end of table.
Table 51. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2013—continued
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
(4)
(4)
(4)
(4)
(4)
0.3
(4)
(4)
0.3
(4)
(4)
(4)
(4)
(4)
0.4
1.8
(4)
0.3
1.2
0.9
1.2
2.6
0.8
0.7
1.8
0.1
0.8
1.8
4.5
3.7
6.3
3.6
2.4
5.0
6.9
2.7
3.7
5.7
4.5
–
6.7
4.0
4.7
6.6
4.6
3.7
4.0
4.9
–
7.3
3.7
4.6
3.5
4.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(4)
(4)
(4)
0.1
(4)
0.2
(4)
(4)
(4)
0.1
(4)
0.3
0.6
0.3
1.6
0.4
0.5
0.7
2.0
3.0
3.3
1.4
2.3
1.5
2.8
4.0
5.6
2.5
3.4
3.6
2.7
4.3
6.4
2.2
3.1
3.5
(4)
(4)
(4)
(4)
(4)
0.3
(4)
(4)
(4)
(4)
(4)
0.3
(4)
(4)
0.3
(4)
(4)
(4)
0.9
1.3
0.7
0.6
0.9
0.7
1.1
0.5
1.0
5.2
3.7
3.4
7.3
3.6
2.8
4.2
2.1
2.5
8.9
4.9
3.6
11.8
5.8
3.4
4.5
5.4
3.9
6.0
2.5
2.8
7.4
4.9
4.0
5.1
3.8
4.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams, cleanings, and x-rays, and
other preventive care.
2 Basic services include fillings, dental surgery, periodontal care (treatment
for gum disease), and endodontics (root canal therapy).
3 Major services include procedures such as crowns and prosthetics
(replacement of missing teeth with bridgework or dentures).
4 Less than 0.05.
5 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 data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 52. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2013
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
9
91
–
(5)
5
1
99
–
–
5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
10
10
9
–
–
10
9
10
–
90
90
91
94
98
90
91
90
95
–
–
–
–
–
–
–
–
–
( )
–
(5)
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
99
99
97
100
99
99
99
100
–
–
–
–
–
–
–
–
–
( )
(5)
(5)
–
–
5
( )
–
(5)
–
–
–
8
–
8
97
93
92
91
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
99
100
100
100
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
9
–
91
90
–
–
(5)
–
–
–
99
99
–
–
(5)
–
Union .......................................................................
Nonunion .................................................................
14
8
86
92
–
–
–
(5)
–
1
98
99
–
–
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8
9
7
10
–
92
91
93
90
89
–
–
–
–
–
–
(5)
(5)
(5)
(5)
–
–
–
–
–
99
99
99
99
99
–
–
–
–
–
–
(5)
(5)
(5)
(5)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
12
–
14
88
93
86
–
–
–
–
–
–
–
–
–
100
100
100
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
8
11
–
13
–
–
7
10
12
92
89
96
87
86
95
93
90
88
–
–
–
–
–
–
–
–
–
(5)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
100
100
99
100
97
99
99
99
–
–
–
–
–
–
–
–
–
(5)
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 52. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
–
98
2
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
97
97
97
98
100
98
99
98
98
3
3
3
–
–
2
–
–
–
–
–
–
1
–
–
–
5
( )
–
–
–
–
–
–
100
97
98
98
98
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
98
99
2
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
99
98
–
2
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
98
97
98
97
97
–
3
2
2
–
–
(5)
–
–
(5)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
97
100
96
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
98
99
100
98
100
98
99
97
97
2
–
–
–
–
–
–
3
3
(5)
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 52. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
11
–
–
–
–
–
–
7
–
89
86
95
98
90
93
86
93
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(5)
–
–
5
( )
–
–
–
–
–
–
–
–
–
99
100
99
100
100
98
95
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(5)
2
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
7
7
–
10
11
9
93
93
95
90
89
91
–
–
–
–
–
–
–
–
–
(5)
–
(5)
–
–
–
1
–
1
99
100
99
99
100
98
–
–
–
–
–
–
–
–
–
–
–
–
–
11
7
–
–
–
–
–
15
97
89
93
99
90
91
94
95
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
99
97
99
100
100
99
100
100
99
–
–
–
–
–
–
–
–
–
–
–
( )
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
5
Table 52. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
97
97
98
96
98
97
98
100
97
–
–
–
–
–
2
–
–
3
–
–
–
–
–
1
2
–
5
( )
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
98
99
97
97
98
97
–
1
–
2
2
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
97
98
97
97
99
98
98
97
–
–
–
3
3
–
–
–
–
–
–
( )
–
–
1
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams, cleanings,
and x-rays, and other preventive care.
2 Coverage for dental procedures may be subject to
scheduled allowance, deductible, or coinsurance
provisions, in addition to maximum dollar limitations.
3 Basic services include fillings, dental surgery,
periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
4 Major services include procedures such as crowns
and prosthetics (replacement of missing teeth with
bridgework or dentures).
5 Less than 0.5.
6 Surveyed occupations are classified into wage
5
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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 52. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2013
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
1.0
1.0
–
0.1
0.2
0.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.0
2.0
2.5
–
–
1.0
2.1
1.5
–
2.0
2.0
2.5
1.8
1.5
1.0
2.1
1.5
1.7
–
–
–
–
–
–
–
–
–
0.1
–
0.2
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
0.4
0.4
1.6
0.2
0.2
0.3
0.3
0.3
–
–
–
–
–
–
–
–
–
0.1
0.1
0.1
–
–
5
( )
–
0.1
–
–
–
2.2
–
1.9
1.0
2.6
2.2
3.5
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(5)
0.5
(5)
(5)
(5)
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.1
–
1.1
3.0
–
–
0.1
–
–
–
0.2
0.5
–
–
0.1
–
Union .......................................................................
Nonunion .................................................................
3.0
1.0
3.0
1.0
–
–
–
0.1
–
0.2
1.0
0.2
–
–
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.2
2.0
0.9
1.9
–
2.2
2.0
0.9
1.9
3.4
–
–
–
–
–
–
0.1
(5)
0.1
(5)
–
–
–
–
–
0.9
0.3
0.3
0.3
0.4
–
–
–
–
–
–
(5)
0.1
(5)
(5)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.8
–
3.5
2.8
2.7
3.5
–
–
–
–
–
–
–
–
–
0.1
(5)
0.1
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
2.3
–
2.0
–
–
2.0
2.2
2.5
1.0
2.3
1.9
2.0
7.1
3.3
2.0
2.2
2.5
–
–
–
–
–
–
–
–
–
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
0.2
(5)
0.4
(5)
2.8
0.6
0.1
0.1
–
–
–
–
–
–
–
–
–
0.1
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2013—continued
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
–
0.3
0.3
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
0.5
0.8
0.6
0.9
(5)
0.5
0.2
0.7
0.4
0.5
0.8
0.5
–
–
0.5
–
–
–
–
–
–
0.3
–
–
–
0.1
–
–
–
–
–
–
0.3
0.7
0.6
0.7
0.7
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
0.3
0.5
0.3
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
0.5
0.4
–
0.3
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
0.7
0.6
0.3
0.5
0.9
–
0.6
0.3
0.5
–
–
0.1
–
–
5
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.9
0.1
1.2
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
0.3
0.3
(5)
0.7
(5)
1.0
0.9
0.7
0.6
0.3
–
–
–
–
–
–
0.7
0.6
0.1
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2013—continued
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
–
–
–
–
–
–
1.9
–
2.4
6.8
2.0
0.7
5.9
2.6
4.9
1.9
2.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
–
–
0.3
–
–
–
–
–
–
–
–
–
0.3
(5)
0.6
(5)
(5)
0.5
2.9
0.2
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.2
1.8
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.1
1.3
–
1.6
2.1
2.4
1.1
1.3
2.1
1.6
2.1
2.4
–
–
–
–
–
–
–
–
–
0.1
–
0.2
–
–
–
0.2
–
0.3
0.4
0.3
1.1
0.2
0.2
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
2.8
0.9
–
–
–
–
–
3.4
0.9
2.8
0.9
0.4
4.0
2.9
2.5
1.4
3.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
–
–
–
–
–
–
–
–
–
–
–
–
0.3
1.0
0.4
(5)
0.2
0.3
(5)
(5)
0.9
–
–
–
–
–
–
–
–
–
–
–
0.3
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 52. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2013—continued
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
1.2
0.9
1.2
2.6
0.8
0.7
1.8
0.1
0.8
–
–
–
–
–
0.5
–
–
0.6
–
–
–
–
–
0.4
1.8
–
0.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
0.6
0.3
1.6
0.4
0.5
0.7
–
0.3
–
0.4
0.5
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
1.3
0.6
0.6
0.9
0.7
1.1
0.5
1.0
–
–
–
0.6
0.9
–
–
–
–
–
–
0.3
–
–
0.3
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams, cleanings,
and x-rays, and other preventive care.
2 Coverage for dental procedures may be subject to
scheduled allowance, deductible, or coinsurance
provisions, in addition to maximum dollar limitations.
3 Basic services include fillings, dental surgery,
periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
4 Major services include procedures such as crowns
and prosthetics (replacement of missing teeth with
bridgework or dentures).
5 Less than 0.05.
6 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2013
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Worker characteristic
All workers ...............................................................
–
48
51
1
50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
52
56
49
44
67
50
57
47
42
48
43
51
56
–
49
43
52
55
1
1
( )
(3)
–
1
3
( )
1
2
50
50
50
50
50
50
50
50
50
–
–
–
–
–
37
46
42
36
50
62
51
55
58
50
1
3
3
5
1
50
50
50
50
50
Full time ...................................................................
Part time ..................................................................
–
–
49
40
50
60
1
–
50
50
Union .......................................................................
Nonunion .................................................................
–
–
51
48
48
51
(3)
1
50
50
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
45
42
48
54
60
54
56
51
45
40
1
2
1
1
1
50
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
40
27
41
58
70
57
2
3
2
50
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
50
57
50
65
53
41
67
59
62
49
40
48
35
40
57
31
41
38
1
3
2
1
7
2
3
–
–
50
50
50
50
50
50
50
50
50
3
Establishment characteristic
See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Median
lifetime
maximum2
Worker characteristic
All workers ...............................................................
–
34
65
–
50
$1,500
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
35
28
39
35
–
30
26
31
32
65
71
61
64
87
69
73
67
65
( )
1
(3)
3
( )
–
–
–
–
2
50
50
50
50
–
50
50
50
50
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
–
–
–
–
–
31
33
38
39
37
68
64
59
56
63
1
3
3
5
1
50
50
50
50
50
1,250
1,500
1,500
1,500
1,500
Full time ...................................................................
Part time ..................................................................
–
–
33
46
66
54
–
–
50
50
1,500
–
Union .......................................................................
Nonunion .................................................................
–
–
36
34
64
65
(3)
–
50
50
1,500
1,500
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
35
38
33
31
28
64
59
66
68
72
1
–
1
–
–
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
37
38
39
61
59
60
1
3
1
50
50
50
1,500
1,250
1,500
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
33
25
22
20
32
51
21
26
28
66
72
76
79
60
47
76
74
72
–
3
2
1
7
2
3
–
–
50
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,500
1,500
Establishment characteristic
See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
59
69
57
59
57
36
51
51
34
41
31
43
41
43
63
49
49
66
–
–
( )
–
(3)
3
( )
–
–
3
( )
50
50
50
50
50
50
50
50
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
44
42
47
51
49
53
55
56
53
48
49
47
1
2
–
1
2
3
( )
50
50
50
50
50
50
–
–
–
–
–
–
–
–
–
55
50
49
43
48
40
38
56
55
45
49
51
53
47
59
62
42
44
(3)
1
(3)
3
4
1
(3)
2
1
50
50
50
50
50
50
50
50
50
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 53. Dental care benefits: Coverage for orthodontia, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Median
lifetime
maximum2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
33
19
28
–
34
47
26
23
50
67
81
70
78
63
53
74
77
49
–
–
–
–
–
3
( )
–
–
3
( )
50
50
50
–
50
50
50
50
50
$1,500
1,500
1,500
2,000
1,500
1,000
1,500
1,500
1,000
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
34
35
33
34
32
35
64
63
66
65
66
65
–
–
–
1
2
3
( )
50
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,500
–
–
–
–
–
–
–
–
–
29
31
31
33
37
45
46
29
24
71
68
68
62
59
55
54
69
75
(3)
1
–
–
4
1
(3)
2
–
50
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,250
1,500
1,500
1,500
1,500
1,500
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Coverage for orthodontia care benefits may be subject to scheduled
allowance, deductible, or coinsurance provisions, in addition to maximum
dollar amounts.
2 Medians include only those plans that have the specified provision.
3 Less than 0.5.
4 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 data from the National
Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals.
Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, National Compensation Survey, 2013
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Worker characteristic
All workers ...............................................................
–
1.7
1.7
0.5
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
3.0
3.3
4.0
5.6
10.3
2.8
5.2
3.1
4.7
3.0
3.3
4.0
5.7
–
2.9
5.3
3.2
4.8
0.3
0.5
0.2
0.3
–
0.3
0.2
0.4
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
8.9
4.4
3.3
4.0
4.7
9.0
4.4
3.3
4.3
4.7
0.8
2.0
2.1
3.7
0.5
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
–
–
1.7
6.3
1.7
6.3
0.5
–
0.0
0.0
Union .......................................................................
Nonunion .................................................................
–
–
4.1
1.8
4.2
1.8
0.2
0.6
0.0
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
5.8
2.5
2.8
2.5
4.0
5.9
2.5
2.7
2.5
4.0
0.6
1.4
0.3
0.4
0.5
0.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
3.6
6.4
3.5
3.7
6.8
3.7
1.0
2.2
1.1
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
2.0
2.6
6.8
4.4
7.0
8.7
5.3
2.9
2.9
2.0
2.6
7.4
4.4
6.5
8.9
4.6
2.9
2.9
0.6
2.0
1.7
0.6
6.9
1.4
2.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Establishment characteristic
See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, National Compensation Survey, 2013—continued
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Median
lifetime
maximum2
Worker characteristic
All workers ...............................................................
–
1.4
1.5
–
0.0
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
3.1
3.0
4.2
4.6
–
2.9
5.9
3.4
4.2
3.1
3.0
4.2
4.6
6.5
2.9
5.7
3.3
4.3
0.2
0.5
0.1
0.3
–
–
–
–
1.2
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0
0
211
0
562
0
0
0
0
–
–
–
–
–
8.0
4.5
2.8
3.3
5.1
8.0
4.8
3.1
3.5
4.9
0.8
2.0
2.1
3.7
0.5
0.0
0.0
0.0
0.0
0.0
303
95
0
0
0
Full time ...................................................................
Part time ..................................................................
–
–
1.4
7.1
1.5
7.1
–
–
0.0
0.0
0
–
Union .......................................................................
Nonunion .................................................................
–
–
4.2
1.6
4.2
1.7
0.2
–
0.0
0.0
0
0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
6.1
2.4
2.2
2.6
4.2
6.0
2.6
2.2
2.7
4.2
0.6
–
0.3
–
–
0.0
0.0
0.0
0.0
0.0
133
0
0
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
3.5
7.4
4.0
3.4
7.3
3.9
0.7
2.2
0.8
0.0
0.0
0.0
0
158
82
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
1.7
2.0
5.0
4.2
6.7
8.8
4.2
2.7
2.7
1.8
2.5
5.7
4.1
7.8
8.6
4.7
2.7
2.7
–
2.0
1.7
0.6
6.9
1.4
2.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0
0
284
0
0
316
0
0
0
Establishment characteristic
See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, National Compensation Survey, 2013—continued
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
3.7
5.7
4.5
7.4
6.7
4.0
4.7
6.6
4.6
3.7
5.7
4.5
7.4
6.8
4.1
4.7
6.6
4.6
–
–
( )
–
0.1
0.2
–
–
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
2.8
4.0
5.6
2.5
3.4
3.6
2.8
4.0
5.6
2.4
3.3
3.7
0.5
0.7
–
0.7
1.4
0.5
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
8.9
4.9
3.6
11.8
5.8
3.4
4.5
5.4
3.9
8.8
5.1
3.5
12.2
4.8
3.7
4.5
6.5
4.0
0.1
0.5
(4)
2.7
3.7
1.0
0.1
1.8
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 53. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, National Compensation Survey, 2013—continued
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Median
lifetime
maximum2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
3.7
4.0
4.9
–
8.0
3.7
4.6
3.5
4.1
3.7
4.0
4.9
7.8
7.2
3.7
4.6
3.5
4.1
–
–
–
–
–
0.2
–
–
0.2
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
$0
0
0
340
0
0
65
0
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
2.7
4.4
6.4
2.2
3.1
3.5
2.6
4.2
6.4
2.3
3.3
3.5
–
–
–
0.7
1.4
(4)
0.0
0.0
0.0
0.0
0.0
0.0
0
18
293
0
0
0
–
–
–
–
–
–
–
–
–
6.0
2.5
3.0
6.7
4.9
4.0
5.1
3.8
4.5
6.0
2.4
2.8
6.1
6.2
3.8
5.1
3.1
4.8
0.1
0.5
–
–
3.7
0.5
0.1
1.8
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
302
0
0
314
0
0
164
0
46
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Coverage for orthodontia care benefits may be subject to scheduled
allowance, deductible, or coinsurance provisions, in addition to maximum
dollar amounts.
Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2013."
4 Less than 0.05.
Note: Medians include only those plans that have specified provision
3 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 data from the National
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
2
Table 54. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers, National
Compensation Survey, 2013
(Includes all workers participating in dental care plans)
Characteristics
Preventive
services1
Basic
services2
Major
services3
Worker characteristic
All workers ...............................................................
100
80
50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
100
100
100
100
100
80
80
80
80
80
50
50
50
50
50
Full time ...................................................................
Part time ..................................................................
100
100
80
80
50
50
Union .......................................................................
Nonunion .................................................................
100
100
80
80
50
50
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
80
80
80
80
80
50
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
80
80
80
50
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
50
50
60
50
50
50
Establishment characteristic
See footnotes at end of table.
Table 54. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers, National
Compensation Survey, 2013—continued
(Includes all workers participating in dental care plans)
Characteristics
Preventive
services1
Basic
services2
Major
services3
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
80
80
80
80
80
80
50
50
50
50
50
50
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams,
cleanings, and x-rays, and other preventive care.
2 Basic services include fillings, dental surgery,
periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
3 Major services include procedures such as
crowns and prosthetics (replacement of missing teeth
with bridgework or dentures).
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2013."
Note: For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 54. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, National Compensation Survey, 2013
Characteristics
Preventive
services1
Basic
services2
Major
services3
Worker characteristic
All workers ...............................................................
0.0
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
4.5
0.0
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.3
0.0
0.0
0.0
Establishment characteristic
See footnotes at end of table.
Table 54. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, National Compensation Survey, 2013—continued
Preventive
services1
Characteristics
Basic
services2
Major
services3
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Preventive services include routine exams,
cleanings, and x-rays, and other preventive care.
2 Basic services include fillings, dental surgery,
periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
3 Major services include procedures such as
crowns and prosthetics (replacement of missing teeth
with bridgework or dentures).
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2013."
Note: For definitions of major plans, key provisions,
and related terms, see the "Glossary of Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20132014.htm.
Table 55. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2013
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
73
$25
$50
$50
$50
$50
25
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
75
75
75
50
86
79
84
77
70
25
25
25
25
–
25
–
25
25
50
50
–
50
50
50
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
50
50
50
50
24
24
23
47
–
21
16
23
29
1
(2)
2
3
–
2
( )
–
1
2
( )
100
100
100
100
100
62
76
74
77
69
25
25
25
25
25
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
50
50
50
50
38
23
25
21
31
–
1
1
2
2
( )
Full time ...................................................................
Part time ..................................................................
100
100
75
45
25
25
50
50
50
50
50
50
50
50
24
55
1
(2)
Union .......................................................................
Nonunion .................................................................
100
100
48
78
25
25
50
50
50
50
50
50
75
50
47
22
4
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
68
69
81
72
76
25
25
25
25
25
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
32
30
18
27
22
(2)
1
2
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
82
65
84
25
50
25
50
50
50
50
50
50
50
50
50
50
100
50
17
35
15
1
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
71
77
81
84
65
71
65
80
80
25
25
25
–
50
25
25
25
25
50
50
–
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
–
50
75
75
28
22
19
16
35
29
35
20
19
1
(2)
–
–
(2)
(2)
–
(2)
(2)
Establishment characteristic
See footnotes at end of table.
Table 55. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2013—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
81
84
82
86
73
63
64
70
63
$25
–
25
–
25
25
25
25
25
$50
50
50
50
–
25
50
–
25
$50
50
50
50
50
50
50
50
50
$50
50
50
50
50
50
50
50
50
–
–
$50
50
50
50
50
50
–
19
16
18
–
27
34
32
27
34
–
(2)
2
( )
–
–
3
4
3
3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
76
80
68
72
74
70
25
25
25
25
25
25
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
24
19
32
27
25
28
1
1
–
1
1
2
100
100
100
100
100
100
100
100
100
72
71
73
85
79
68
81
76
71
25
25
25
25
–
25
25
–
25
–
50
50
–
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
50
50
50
50
50
50
–
–
24
27
–
21
32
–
24
28
–
5
1
–
2
( )
(2)
–
(2)
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may
not apply to all covered dental procedures. If separate deductibles apply to different procedures, the
sum of the deductible amounts are tabulated.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 55. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2013
Amount of annual individual deductible
Characteristics
With annual
individual
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
1.5
$0
$0
$0
$0
$0
1.5
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.5
3.3
3.0
4.1
7.9
2.6
3.5
3.3
3.8
0
2
0
0
–
0
–
0
0
4
0
–
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
–
0
0
13
3
2.4
3.3
2.8
4.2
–
2.6
3.5
3.3
3.8
0.6
0.2
0.9
1.0
–
0.1
–
0.2
0.4
6.5
4.2
3.3
4.4
4.2
0
0
0
0
3
–
12
0
0
0
0
0
0
0
0
0
0
0
0
0
–
0
0
0
0
6.5
4.2
3.2
4.3
4.2
–
0.7
0.7
1.2
0.1
Full time ...................................................................
Part time ..................................................................
1.6
6.2
0
0
0
5
0
0
0
0
0
0
1.5
6.2
0.3
0.1
Union .......................................................................
Nonunion .................................................................
4.4
1.6
0
0
0
0
0
0
0
0
21
0
4.2
1.6
1.8
0.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.1
2.5
1.7
2.5
3.8
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5
8
4.1
2.5
1.7
2.4
3.4
0.3
0.3
0.5
0.5
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.3
5.6
2.5
0
0
0
0
0
0
0
0
0
0
0
0
0
14
0
2.2
5.6
2.3
0.5
–
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
3.1
4.6
3.7
8.0
8.0
5.9
2.1
2.0
0
0
0
–
0
0
0
0
0
0
0
–
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7
–
0
17
5
1.8
3.1
4.6
3.7
8.0
7.9
5.9
2.2
2.1
0.3
0.1
–
–
0.3
0.4
–
0.4
0.4
Establishment characteristic
See footnotes at end of table.
Table 55. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2013—continued
Amount of annual individual deductible
Characteristics
With annual
individual
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.1
2.9
4.1
6.0
5.9
4.2
7.6
5.6
4.6
$0
–
0
–
0
0
0
0
0
$0
0
5
0
–
7
0
–
4
$0
0
0
0
0
0
0
0
0
$0
3
0
0
0
0
0
0
0
–
–
$0
12
0
12
0
0
–
3.1
2.9
4.1
–
5.9
4.0
7.6
5.4
4.5
–
(3)
3
( )
–
–
0.8
2.1
1.8
0.9
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.6
2.8
6.5
1.8
2.7
2.6
0
0
0
0
2
0
0
–
0
0
0
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
–
2.5
2.7
6.5
1.8
2.7
2.6
0.5
0.8
–
0.4
0.5
0.5
8.9
3.9
3.3
5.5
4.8
3.2
6.6
1.4
4.5
0
0
4
0
–
0
0
–
0
–
5
0
–
0
7
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14
0
0
0
0
0
0
–
–
2.5
3.3
–
4.8
3.0
–
1.4
4.5
–
1.8
0.3
–
0.1
0.4
–
0.1
0.7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Amount of deductible excludes separate deductibles for orthodontic procedures. A
deductible may not apply to all covered dental procedures. If separate deductibles apply to
different procedures, the sum of the deductible amounts are tabulated.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 56. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation Survey, 2013
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual family
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
62
$75
$100
$150
$150
$150
37
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
63
63
63
44
70
69
73
67
54
75
75
75
75
–
75
75
75
–
100
100
–
–
–
100
100
100
75
150
150
150
150
150
150
150
150
–
150
150
150
150
150
150
150
150
150
150
150
150
150
–
150
150
–
150
36
37
36
53
–
31
27
33
45
1
(2)
2
3
–
(2)
–
1
(2)
100
100
100
100
100
42
62
62
68
54
50
75
75
75
75
–
75
100
–
100
–
–
–
100
150
150
150
150
150
150
–
150
150
150
150
58
37
37
30
46
–
1
1
2
(2)
Full time ...................................................................
Part time ..................................................................
100
100
64
31
75
75
100
100
150
150
150
150
150
150
35
69
1
(2)
Union .......................................................................
Nonunion .................................................................
100
100
38
66
–
75
75
100
–
150
150
150
–
150
57
33
4
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
57
59
68
61
67
75
75
75
75
75
–
100
100
100
100
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
43
40
31
38
32
(2)
1
2
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
69
43
73
75
75
75
100
150
100
100
150
100
150
150
150
150
300
150
30
57
26
1
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
60
64
74
70
47
59
57
63
64
75
75
75
75
100
–
75
75
75
100
100
75
150
100
75
100
100
100
150
150
150
150
150
100
150
150
150
150
150
150
150
–
150
150
150
150
150
150
150
150
240
150
150
–
–
39
36
26
30
53
40
43
37
35
1
(2)
–
–
2
( )
2
( )
–
(2)
2
( )
Establishment characteristic
See footnotes at end of table.
Table 56. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation Survey,
2013—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual family
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
61
71
75
75
73
51
51
55
51
$75
–
75
–
–
75
75
75
75
$100
–
100
150
–
75
150
–
75
$150
150
150
150
150
150
150
150
150
$150
150
150
150
150
150
150
150
150
$200
200
150
–
150
150
150
150
150
39
29
25
–
27
46
45
42
46
–
(2)
2
( )
–
–
3
4
3
3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
65
68
58
60
64
57
75
75
75
75
75
75
100
–
100
100
100
100
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
35
31
42
38
35
41
1
1
–
1
1
2
100
100
100
100
100
100
100
100
100
68
59
56
79
67
58
61
70
62
75
75
75
75
75
75
75
75
75
–
100
100
100
100
–
75
–
100
150
150
150
–
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
–
36
43
–
32
42
–
30
37
–
5
1
–
2
( )
(2)
–
(2)
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may
not apply to all covered dental procedures. If separate deductibles apply to different procedures, the
sum of the deductible amounts are tabulated.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 56. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2013
Amount of annual family deductible
Characteristics
With annual
family
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual family
deductible
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
1.7
$0
$0
$0
$0
$0
1.7
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
3.4
3.5
3.9
11.0
2.8
3.9
3.5
4.0
0
0
0
0
–
0
0
0
–
6
0
–
–
–
0
0
0
0
0
0
0
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
13
–
0
0
–
0
2.6
3.4
3.3
4.1
–
2.8
3.9
3.5
3.9
0.6
0.2
0.9
1.0
–
0.1
–
0.2
0.4
7.9
5.1
3.4
4.4
5.0
0
5
1
9
0
–
6
16
–
5
–
–
–
0
0
27
0
0
0
0
–
0
0
0
0
7.9
5.1
3.4
4.5
5.0
–
0.7
0.7
1.2
0.1
Full time ...................................................................
Part time ..................................................................
1.8
4.6
0
0
0
29
0
9
0
0
0
43
1.8
4.6
0.3
0.1
Union .......................................................................
Nonunion .................................................................
3.9
1.9
–
0
18
0
–
0
0
0
–
0
4.2
1.9
1.8
0.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.5
2.7
2.3
2.8
4.3
0
0
0
0
0
–
0
19
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4.5
2.8
2.3
2.6
3.8
0.3
0.3
0.5
0.5
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.0
5.4
3.2
0
11
0
0
18
9
16
0
0
0
0
0
0
77
0
3.1
5.4
3.4
0.5
–
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.0
3.0
3.8
3.6
7.4
8.7
6.8
3.3
3.3
0
0
0
0
8
–
0
0
0
0
0
0
40
22
0
0
29
7
0
0
0
0
0
10
27
0
0
0
0
0
0
–
24
0
0
0
0
0
0
0
7
0
0
–
–
2.0
3.0
3.8
3.6
7.4
8.7
6.8
3.3
3.4
0.3
0.1
–
–
0.3
0.4
–
0.4
0.4
Establishment characteristic
See footnotes at end of table.
Table 56. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2013—continued
Amount of annual family deductible
Characteristics
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual family
deductible
90th
percentile
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.6
5.0
4.7
5.7
5.9
4.2
6.5
5.3
4.7
$0
–
2
–
–
0
0
0
0
$21
–
14
27
–
5
0
–
0
$0
0
0
0
0
0
0
0
9
$0
0
0
0
0
0
0
0
0
$58
24
0
–
0
0
0
0
0
3.6
5.0
4.7
–
5.9
4.2
6.6
5.4
4.7
–
(3)
3
( )
–
–
0.8
2.1
1.8
0.9
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.2
3.4
7.0
2.1
2.9
3.3
0
0
0
0
0
0
15
–
18
0
0
10
0
0
0
0
0
12
0
0
0
0
0
0
0
0
0
0
0
9
3.1
3.3
7.0
2.2
2.9
3.3
0.5
0.8
–
0.4
0.5
0.5
7.7
4.1
4.9
6.4
5.4
3.3
5.5
3.3
4.5
0
0
0
0
0
4
0
10
0
–
0
2
30
10
–
0
–
10
13
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
0
0
0
25
0
0
9
–
3.1
4.9
–
5.4
3.2
–
3.3
4.7
–
1.8
0.3
–
0.1
0.4
–
0.1
0.7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Amount of deductible excludes separate deductibles for orthodontic procedures. A
deductible may not apply to all covered dental procedures. If separate deductibles apply to
different procedures, the sum of the deductible amounts are tabulated.
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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 57. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey, 2013
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristics
Total
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
91
$1,000
$1,200
$1,500
$2,000
$2,000
9
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
92
92
93
84
96
91
94
89
92
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,200
1,250
1,000
1,000
1,500
1,200
–
1,200
1,000
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
2,000
2,000
2,000
1,500
2,000
2,000
2,000
2,000
1,500
2,000
2,000
2,000
2,000
2,500
2,500
2,500
2,000
2,000
7
8
7
16
–
9
6
11
8
(2)
(2)
(2)
(2)
–
(2)
–
(2)
(2)
100
100
100
100
100
95
89
90
94
86
–
1,000
1,000
1,000
1,000
1,000
1,200
1,200
1,200
1,100
1,000
1,500
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
2,000
2,000
2,000
2,000
–
11
9
–
14
–
(2)
(2)
–
–
Full time ...................................................................
Part time ..................................................................
100
100
91
84
1,000
1,000
1,150
–
1,500
1,500
1,850
2,000
2,000
2,000
9
–
(2)
–
Union .......................................................................
Nonunion .................................................................
100
100
80
92
1,000
1,000
1,250
1,000
1,500
1,500
1,850
2,000
2,000
2,000
19
7
(2)
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
90
86
94
91
94
750
1,000
1,000
1,000
1,000
1,000
1,000
1,100
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,750
2,000
2,000
2,000
2,000
2,000
2,000
2,000
10
13
6
8
6
–
(2)
2
( )
(2)
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
97
92
97
1,000
1,000
1,000
1,200
1,000
1,200
1,500
1,100
1,500
1,850
1,500
1,650
2,000
2,000
2,000
3
–
2
(2)
–
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
89
89
94
90
82
87
90
90
89
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,200
1,000
1,500
–
1,500
1,500
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
1,500
2,500
2,000
2,000
1,500
2,000
2,000
2,000
2,500
2,000
2,500
2,000
2,000
2,000
2,000
2,000
11
11
–
10
–
–
–
10
11
(2)
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 57. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,
2013—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristics
Total
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
85
94
94
99
89
89
81
90
90
$1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
–
$1,500
1,500
1,200
1,200
–
1,000
1,000
1,250
1,000
$1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
$2,000
2,000
2,000
2,000
1,500
1,750
1,750
1,750
–
–
$2,000
2,000
2,000
–
2,000
2,000
2,000
2,000
15
–
–
–
–
10
–
9
–
–
–
–
–
–
1
–
1
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
93
92
94
89
91
88
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,200
1,200
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,700
2,000
2,000
2,000
1,850
2,000
2,000
2,000
2,000
2,500
2,000
7
8
6
10
9
11
–
–
–
(2)
–
1
100
100
100
100
100
100
100
100
100
96
89
92
99
91
90
96
90
85
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
1,200
1,000
1,100
1,000
1,000
1,200
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
2,000
1,500
1,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
–
11
8
–
–
–
–
10
15
–
1
1
–
–
–
–
–
(2)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures may
be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to annual plan
maximum. If separate annual maximums applied to different dental procedures, the sum of the
maximum was tabulated.
2 Less than 0.5.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20132014.htm.
Table 57. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers, National
Compensation Survey, 2013
Amount of annual plan maximum
Characteristics
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual
maximum
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
1.0
$0
$180
$0
$147
$0
1.0
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.4
1.5
1.9
3.0
2.1
1.4
1.7
1.7
2.3
0
0
146
245
–
0
0
0
0
269
257
103
63
102
16
–
124
0
0
0
0
0
329
0
0
0
237
79
36
348
303
0
0
0
0
46
0
0
0
0
390
249
0
101
0
1.4
1.5
1.9
3.0
–
1.3
1.7
1.7
2.3
0.1
0.2
0.1
(2)
–
0.2
–
0.2
2
( )
2.2
3.0
2.6
3.5
2.9
–
0
0
0
0
0
50
96
50
168
26
0
0
0
0
129
0
0
211
0
0
274
0
0
223
–
3.0
2.6
–
2.9
–
(2)
0.2
–
–
Full time ...................................................................
Part time ..................................................................
1.0
6.2
0
0
161
–
0
86
216
0
0
0
1.0
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.8
1.1
0
0
77
193
0
0
77
140
0
0
2.8
1.1
0.3
0.1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.5
2.4
0.8
1.5
1.4
65
0
0
0
0
36
0
153
133
258
46
0
0
0
0
0
285
290
0
0
0
597
0
0
0
2.5
2.4
0.8
1.5
1.4
–
0.1
0.2
0.1
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.6
3.1
0.5
0
0
0
18
0
66
0
216
0
320
241
312
0
0
0
0.6
–
0.5
0.2
–
0.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
2.5
2.4
2.9
6.6
4.7
3.9
1.4
1.5
0
0
0
0
0
–
222
0
0
193
200
52
112
–
0
0
73
285
0
0
36
0
0
0
0
0
0
124
0
0
258
0
276
0
0
0
0
0
0
0
547
0
254
74
312
1.3
2.5
–
2.9
–
–
–
1.4
1.5
0.1
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 57. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers, National
Compensation Survey, 2013—continued
Amount of annual plan maximum
Characteristics
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.8
2.0
2.0
0.5
6.1
2.7
5.9
2.0
3.0
$0
0
0
0
0
–
0
0
–
$164
410
119
80
–
0
190
257
0
$0
0
0
0
0
241
0
0
391
$0
0
234
91
0
420
46
266
–
–
$205
0
0
–
0
0
0
0
2.8
–
–
–
–
2.7
–
1.9
–
–
–
–
–
–
0.4
–
0.2
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.2
1.7
1.5
1.4
2.1
1.6
121
–
0
0
0
0
0
0
146
0
44
84
0
0
0
0
0
0
196
272
0
265
379
219
0
0
0
112
0
0
1.2
1.7
1.5
1.4
2.1
1.6
–
–
–
0.2
–
0.3
1.3
2.3
1.7
0.5
4.4
3.2
1.2
1.8
3.7
0
0
0
0
–
0
0
100
0
221
20
0
237
257
26
106
342
291
0
0
0
0
139
0
0
0
0
0
0
464
518
151
231
302
517
136
0
430
144
0
0
0
0
274
0
–
2.2
1.7
–
–
–
–
1.8
3.7
–
0.6
0.3
–
–
–
–
–
(2)
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures
may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to
annual plan maximum. If separate annual maximums applied to different dental procedures, the
sum of the maximum was tabulated.
2 Less than 0.05.
3 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 data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that data do 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/glossary20132014.htm.
Table 58. Vision care benefits:1 Coverage for selected services, private
industry workers, National Compensation Survey, 2013
(All workers participating in vision care plans = 100 percent)
Characteristics
Eye exams
Glasses
Contact
lenses2
Worker characteristic
All workers ...............................................................
100
100
97
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
97
98
97
95
100
98
98
98
100
100
100
100
100
100
100
100
99
97
96
96
Full time ...................................................................
Part time ..................................................................
100
100
100
100
98
87
Union .......................................................................
Nonunion .................................................................
100
100
100
100
95
98
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
98
98
98
97
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
97
99
97
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
100
100
100
100
–
100
100
100
100
97
96
96
91
–
100
100
99
99
Establishment characteristic
See footnotes at end of table.
Table 58. Vision care benefits:1 Coverage for selected services, private
industry workers, National Compensation Survey, 2013—continued
(All workers participating in vision care plans = 100 percent)
Characteristics
Eye exams
Glasses
Contact
lenses2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
98
100
100
95
82
93
97
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
100
100
100
100
100
100
95
96
95
98
97
99
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
98
91
96
98
100
96
98
99
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for
elective purchase of contact lenses; medically
necessary contact lenses (for cataract surgery, for
example) normally are provided under the surgical
portion of a medical plan and are not described in
this table.
3 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 data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 58. Standard errors for vision care benefits:1 Coverage for
selected services, private industry workers, National Compensation
Survey, 2013
Characteristics
Eye exams
Glasses
Contact
lenses2
Worker characteristic
All workers ...............................................................
(3)
(3)
0.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.1
0.9
1.6
1.9
(3)
1.0
0.7
1.1
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.2
1.9
1.1
1.3
Full time ...................................................................
Part time ..................................................................
(3)
(3)
(3)
(3)
0.6
5.4
Union .......................................................................
Nonunion .................................................................
(3)
(3)
(3)
(3)
1.9
0.5
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.0
0.6
1.0
1.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(3)
(3)
(3)
(3)
(3)
(3)
1.0
1.0
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
–
(3)
3
( )
(3)
(3)
0.7
1.8
3.2
4.8
–
(3)
3
( )
0.4
0.4
Establishment characteristic
See footnotes at end of table.
Table 58. Standard errors for vision care benefits:1 Coverage for
selected services, private industry workers, National Compensation
Survey, 2013—continued
Characteristics
Eye exams
Glasses
Contact
lenses2
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.6
1.1
0.1
(3)
2.0
7.2
1.7
2.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.3
1.5
2.6
0.6
1.2
0.1
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.5
2.2
2.3
0.3
(3)
2.2
2.3
0.9
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for
elective purchase of contact lenses; medically
necessary contact lenses (for cataract surgery, for
example) normally are provided under the surgical
portion of a medical plan and are not described in
this table.
3 Less than 0.05.
4 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 data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2013."
Note: Dashes indicate that no data were reported or
that data do 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/glossary20132014.htm.
Table 59. Vision care benefits:1 Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2013
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
12
88
–
(4)
4
7
93
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
15
7
20
–
–
9
10
13
85
93
80
89
95
91
90
87
–
–
–
–
–
–
–
–
( )
–
(4)
–
–
–
–
4
( )
–
–
–
21
–
–
–
–
92
95
90
79
100
95
95
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
–
90
85
90
90
–
–
–
–
(4)
(4)
(4)
(4)
–
–
3
–
98
92
97
99
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
12
–
88
83
–
–
(4)
–
7
–
93
85
–
–
–
–
Union .......................................................................
Nonunion .................................................................
16
11
84
89
–
–
(4)
(4)
12
6
88
94
–
–
–
–
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
13
11
13
15
87
89
87
85
–
–
–
–
–
(4)
(4)
(4)
–
5
–
–
90
95
94
93
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
7
–
–
93
–
93
–
–
–
–
–
–
–
–
–
98
–
97
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
13
–
–
–
–
–
–
16
14
87
–
93
89
92
74
90
84
86
–
–
–
–
–
–
–
–
–
(4)
–
–
–
–
(4)
–
–
–
9
–
–
–
–
–
–
6
–
91
95
98
90
–
85
91
94
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 59. Vision care benefits:1 Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in vision care plans = 100 percent)
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
2
95
2
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
–
–
–
–
–
–
–
–
95
94
96
91
100
97
97
96
–
–
–
–
–
–
–
–
1
(4)
1
2
–
4
( )
1
1
–
–
–
–
99
94
95
96
–
–
3
–
–
2
–
1
Full time ...................................................................
Part time ..................................................................
2
–
96
87
2
–
1
2
Union .......................................................................
Nonunion .................................................................
–
–
92
96
–
1
–
–
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2
–
97
96
95
95
–
–
–
–
1
1
–
(4)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
95
97
95
–
–
–
1
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
95
95
96
91
–
95
100
97
96
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(4)
(4)
Establishment characteristic
See footnotes at end of table.
Table 59. Vision care benefits:1 Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2013—continued
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
7
–
–
19
–
–
19
95
93
87
80
81
85
84
81
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
96
100
100
84
95
94
82
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
11
11
–
13
–
11
89
89
89
87
86
89
–
–
–
–
–
–
–
–
–
(4)
4
( )
–
9
–
–
6
–
–
91
88
96
94
93
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
15
–
–
–
82
78
90
88
85
94
95
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(4)
–
18
–
–
–
–
–
–
82
82
97
99
93
92
99
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 59. Vision care benefits:1 Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2013—continued
(All workers participating in vision care plans = 100 percent)
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
99
98
100
100
91
79
89
92
–
–
–
–
–
–
–
–
(4)
1
(4)
–
3
17
6
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
94
95
92
96
95
97
–
–
–
–
–
–
2
2
1
4
( )
4
( )
(4)
–
–
–
–
–
–
–
–
98
86
95
98
99
96
98
96
–
–
–
–
–
–
–
–
(4)
3
(4)
4
( )
–
(4)
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount cards
if there is a cost to the employer.
2 Includes plans subject to copayment, cash allowance,
and retail discount.
3 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
4 Less than 0.5.
5 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20132014.htm.
Table 59. Standard errors for vision care benefits:1 Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2013
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
2.0
2.0
–
(4)
1.5
1.5
–
–
4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
3.3
1.5
4.8
–
–
2.3
2.7
3.7
3.3
1.5
4.8
3.8
3.3
2.3
2.7
3.7
–
–
–
–
–
–
–
–
( )
–
(4)
–
–
–
–
4
( )
–
–
–
5.1
–
–
–
–
2.9
2.2
4.0
5.1
0.5
1.5
1.8
2.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
–
5.8
4.5
2.7
2.9
–
–
–
–
(4)
(4)
(4)
(4)
–
–
0.9
–
1.7
3.2
0.9
0.7
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
–
2.0
6.4
–
–
(4)
–
1.5
–
1.5
6.4
–
–
–
–
Union .......................................................................
Nonunion .................................................................
3.9
2.1
3.9
2.1
–
–
(4)
(4)
3.5
1.8
3.5
1.8
–
–
–
–
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.1
2.9
2.6
3.7
3.1
2.9
2.6
3.7
–
–
–
–
–
(4)
(4)
(4)
–
1.1
–
–
3.4
1.1
2.0
3.5
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
–
–
1.8
–
2.1
–
–
–
–
–
–
–
–
–
1.4
–
1.8
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.5
–
–
–
–
–
–
4.3
3.4
2.5
–
3.4
4.9
5.7
12.0
6.3
4.3
3.4
–
–
–
–
–
–
–
–
–
(4)
–
–
–
–
(4)
–
–
–
1.9
–
–
–
–
–
–
0.9
–
1.9
1.8
1.1
5.0
–
8.0
6.3
0.9
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1 Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2013—continued
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristic
All workers ...............................................................
0.5
1.0
0.5
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
–
–
–
–
–
–
–
–
1.6
2.4
2.1
2.6
0.5
1.1
1.1
1.4
–
–
–
–
–
–
–
–
0.4
0.1
0.7
1.2
–
0.3
0.5
1.0
–
–
–
–
1.2
2.3
1.2
1.3
–
–
1.0
–
–
1.7
–
0.9
Full time ...................................................................
Part time ..................................................................
0.5
–
1.0
5.4
0.5
–
0.3
2.0
Union .......................................................................
Nonunion .................................................................
–
–
3.0
0.9
–
0.4
–
–
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.7
–
1.1
1.1
1.4
1.9
–
–
–
–
0.4
0.3
–
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.2
1.8
2.8
–
–
–
0.7
–
0.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
1.1
1.8
3.2
4.8
–
3.7
4
( )
0.6
0.8
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.1
0.2
Establishment characteristic
See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1 Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2013—continued
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
1.8
–
–
5.0
–
–
5.7
2.6
1.8
7.2
12.1
5.0
7.4
9.2
5.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
1.0
0.2
(4)
5.9
2.4
3.6
6.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.6
3.2
–
2.3
–
2.3
2.6
3.2
4.7
2.3
4.4
2.3
–
–
–
–
–
–
–
–
–
(4)
4
( )
–
2.6
–
–
1.9
–
–
2.6
4.0
2.7
1.9
3.1
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.4
–
–
–
10.5
7.1
7.2
4.4
4.4
3.1
2.9
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(4)
–
5.0
–
–
–
–
–
–
10.5
5.0
2.1
0.8
5.8
4.1
0.5
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 59. Standard errors for vision care benefits:1 Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2013—continued
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
0.6
1.1
0.3
(4)
3.7
6.9
3.4
4.2
–
–
–
–
–
–
–
–
0.2
0.5
0.1
–
1.3
7.8
1.6
0.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
1.8
1.6
3.5
0.9
1.4
0.9
–
–
–
–
–
–
0.7
1.0
1.1
(4)
(4)
0.1
–
–
–
–
–
–
–
–
1.7
3.8
2.3
0.3
0.8
2.2
2.3
2.3
–
–
–
–
–
–
–
–
0.3
1.4
(4)
0.1
–
(4)
–
0.9
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount cards
if there is a cost to the employer.
2 Includes plans subject to copayment, cash allowance,
and retail discount.
3 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
4 Less than 0.05.
5 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Table 60. Vision care benefits:1 Median copayments for selected services,
private industry workers, National Compensation Survey, 2013
(Includes all workers participating in vision care plans)
Characteristics
Eye exams
Contact lenses2
Glasses
Worker characteristic
All workers ...............................................................
$10
$25
$25
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
10
10
10
20
10
10
–
–
25
25
25
25
–
20
20
20
25
25
25
–
20
25
25
20
10
–
10
10
–
25
25
20
20
20
–
20
Full time ...................................................................
Part time ..................................................................
10
–
25
25
25
25
Union .......................................................................
Nonunion .................................................................
20
10
25
25
20
25
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
10
10
10
20
25
20
–
25
25
25
25
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
25
25
25
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
10
–
–
–
10
10
15
10
10
–
20
20
20
–
–
25
–
–
25
20
25
20
–
–
–
25
25
Establishment characteristic
See footnotes at end of table.
Table 60. Vision care benefits:1 Median copayments for selected services,
private industry workers, National Compensation Survey, 2013—continued
(Includes all workers participating in vision care plans)
Characteristics
Eye exams
Contact lenses2
Glasses
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
$10
10
10
–
–
10
$15
20
–
–
25
25
–
$25
25
–
20
25
25
20
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10
10
–
10
10
–
20
20
–
25
20
25
25
25
20
25
25
25
–
20
10
10
–
–
10
–
–
25
–
25
20
25
25
25
20
25
25
–
20
25
25
20
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Table 60. Standard errors for vision care benefits:1 Median copayments for
selected services, private industry workers, National Compensation Survey,
2013
Characteristics
Eye exams
Contact lenses2
Glasses
Worker characteristic
All workers ...............................................................
$1
$7
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
1
1
2
4
0
2
–
–
1
4
1
1
–
2
5
0
1
4
0
–
5
0
0
0
2
–
0
2
–
4
1
4
3
0
–
1
Full time ...................................................................
Part time ..................................................................
1
–
7
7
0
0
Union .......................................................................
Nonunion .................................................................
4
0
6
7
4
0
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
3
0
0
5
5
6
–
3
1
6
5
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
6
4
3
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0
–
–
–
0
0
0
2
0
–
6
4
2
–
–
0
–
–
0
4
5
0
–
–
–
0
0
Establishment characteristic
See footnotes at end of table.
Table 60. Standard errors for vision care benefits:1 Median copayments for
selected services, private industry workers, National Compensation Survey,
2013—continued
Characteristics
Eye exams
Contact lenses2
Glasses
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
$2
1
0
–
–
0
$2
6
–
–
0
3
–
$0
4
–
6
7
7
6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3
3
–
2
3
–
0
0
–
0
5
0
2
0
6
1
5
0
–
2
0
1
–
–
0
–
–
5
–
1
2
0
0
7
3
0
4
–
0
2
0
4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
West South Central ..................................................
East North Central ...................................................
West North Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes plans with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 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 data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2013."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20132014.htm.
Technical Note
Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of
Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2013 data on detailed provisions of employerprovided health and retirement benefit plans offered to private industry workers in the United States. Excluded
are federal government workers, the military, state and local government workers, agricultural workers, private
household workers, and the self-employed. Previous publications containing information on employee benefits
for private industry and state and local government workers are available on the BLS website
at http://www.bls.gov/ncs/ebs.
Survey scope and method
For information on the survey scope, sample design, data collection, survey estimation, reliability of estimates,
technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of
Methods, www.bls.gov/opub/hom/pdf/homch8.pdf. Definitions of major plans, key provisions, and related
benefit terms used by the National Compensation Survey are provided in the Glossary of Employee Benefit
Terms, available online at www.bls.gov/ncs/ebs/glossary20132014.htm. For information on survey
establishment response and on the number of workers represented by the survey, see Appendix tables 1 and 2,
respectively.
Calculation details
For data presented by wage category, average hourly earnings from sampled occupations within an
establishment were used to produce estimates for worker groups within six earnings categories: the lowest 10
percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25 percent, and the
highest 10 percent. The categories are based on March 2013 wages and salaries from the Employer Costs for
Employee Compensation.
The percentiles were computed using earnings reported for individual workers in sampled establishment jobs
and their scheduled hours of work. Establishments in the survey are asked to report only individual worker
earnings for each sample job. For the calculation of the hourly percentile values, the individual worker hourly
earnings are weighted and arrayed from lowest to highest. The values corresponding to the percentiles are as
follows:
Hourly wage percentile
Characteristic
Private industry workers
10
25
50 (median)
75
90
$8.50
$11.00
$16.59
$26.18
$40.44
The lowest 10-percent and 25-percent wage categories include those occupations with an average hourly wage
less than the 10th percentile and 25th percentile value, respectively. The second 25-percent category includes
those occupations that earn at or above the 25th percentile value but less than the 50th percentile value. The
third 25-percent category includes those occupations that earn at or above the 50th percentile value but less than
the 75th percentile value. Finally, the highest 25- and 10-percent wage categories include those occupations
with an average wage value greater than or equal to the 75th and 90th percentile value, respectively.
(Note: Individual workers can fall into an earnings category different from the average for the occupation into
which they are classified because average hourly earnings for the occupation are used to produce the benefit
estimates.)
Not determinable estimates
Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that
result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not
determinable" classification is used whenever no information on a particular plan feature is available from the
Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of a
health benefit plan. For example, in table 1, workers are classified as participating in four types of fee-forservice plans. Workers that were known to participate in a fee-for-service plan, but the plan type was either not
specified or was specified but did not fit into any of the four categories used in the table, were classified into the
"not determinable" category.
Another situation in which the "not determinable" classification may be used is when workers participate in
plans in which a provision is known to exist, but no information on the specific details of this provision is
available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The
majority of the workers included in this table participated in plans that specified a deductible, but a small
percentage of workers participated in plans in which the deductible was mentioned but not described. These
workers were classified into the "not determinable" category.
Interpreting the tables
All estimates shown in the table are based on the set of workers specified underneath the table title and on any
subsets indicated by column headers. For example, the statement may indicate that “All workers participating in
medical care plans = 100 percent,” or “Includes all workers participating in savings and thrift plans that specify
matching contributions.”
Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a
particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide
values other than percentages of workers, such as the median age requirement for eligibility to participate in a
defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions; and the
specified matching percent (by percentile) an employer will contribute to an employees’ savings and thrift
retirement plan. The non-shaded estimates indicate percentages of workers. Shaded estimates measure values
other than the percent of workers.
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private
industry, National Compensation Survey, 2013
Number of
establishments
Establishments
Total in sampling frame1 ........................................................
5,922,854
Total in sample ....................................................................
Responding2 ......................................................................
Refused3 ............................................................................
Out of business or not in survey scope ..............................
3,352
2,509
609
234
1 The list of establishments from which
the survey sample was selected (sampling
frame) was developed from State
unemployment insurance reports and is
based on the 2012 North American
Industry Classification System (NAICS).
For private industries, an establishment is
usually a single physical location.
2 Establishments that provided data at
the initial interview.
3 Establishments that did not provide
data at the initial interview. Data for
establishments not responding at the time
of update interviews are imputed. Detailed
information on nonresponse adjustment
and imputation can be found in BLS
Handbook of Methods, Chapter 8, “National
Compensation Measures,” Bureau of Labor
Statistics,
on
the
Internet
at
www.bls.gov/opub/hom/pdf/homch8.pdf.
Appendix table 2. Number of workers represented, private
industry, National Compensation Survey, 2013
Estimated number
of workers2
Occupational group1
All workers .............................................................................
107,157,500
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ................................................
Service ...............................................................................
Protective service ..........................................................
Sales and office .................................................................
Sales and related ...........................................................
Office and administrative support ..................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry ..
Installation, maintenance, and repair .............................
Production, transportation, and material moving ...............
Production ......................................................................
Transportation and material moving ..............................
28,963,000
9,631,800
19,331,200
22,309,000
1,304,700
30,661,700
12,111,800
18,549,900
7,890,500
3,885,100
4,005,400
17,333,300
8,608,500
8,724,800
1 The 2010 Standard Occupational
Classification system is used to classify
workers.
2 The number of workers represented
by the survey are rounded to the nearest
100. Estimates of the number of workers
provide a description of the size and
composition of the labor force included in
the survey. Estimates are not intended,
however, for comparison to other statistical
series to measure employment trends or
levels.